Bread Financial Holdings, Inc. (NYSE:BFH) Q4 2022 Earnings Conference Call January 26, 2023 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Ralph Andretta - President and Chief Executive Officer Perry Beberman - Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Robert Napoli - William Blair Moshe Orenbuch - Credit Suisse Vincent Caintic - Stephens Jeff Adelson - Morgan Stanley Bill Carache - Wolfe Research Mihir Bhatia - Bank of ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) d financic Delaware 31-1429215 (State or other j ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q3 2022 Earnings Conference Call October 27, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - CEO, President & Director Perry Beberman - EVP & CFO Conference Call Participants Sanjay Sakhrani - KBW Robert Napoli - William Blair & Company Mihir Bhatia - Bank of America Merrill Lynch Bill Carcache - Wolfe Research Jeffrey Adelson - Morgan Stanley John Pancari - Evercore ISI David Scharf - JMP Securities Reginald Smith - JPMorgan Chase & Co. ...

\ bread financial. Bread Financial Third Quarter 2022 Results October 27, 2022 Ralph Andretta President & CEO Perry Beberman EVP & CFO Forward-Looking Statements This release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forwardlooking statements give our expectations or forecasts of future events and can generally be identified by the use of words such as "believe," "expect," "anticipate," "estimat ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) | --- | --- | |-------------------------------------- ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q2 2022 Results Conference Call July 28, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - CEO, President & Director Perry Beberman - EVP & CFO Conference Call Participants Robert Napoli - William Blair Sanjay Sakhrani - KBW Bill Carcache - Wolfe Research Jeff Adelson - Morgan Stanley Mihir Bhatia - Bank of America Reggie Smith - JPMorgan John Pancari - Evercore Dominick Gabriele - Oppenheimer & Co Operator Good morning, and welcome to Bre ...

Table of Contents 9 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or | --- | --- | --- | |-----------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------|------------------------------------------------------------ ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q1 2022 Earnings Conference Call April 28, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - CEO, President & Director Perry Beberman - EVP & CFO Conference Call Participants Sanjay Sakhrani - KBW Jeffrey Adelson - Morgan Stanley, Research Division, Research Associate Robert Napoli - William Blair & Company Bill Carcache - Wolfe Research David Scharf - JMP Securities Michael Young - Truist Securities Reginald Smith - JPMorgan Chase & Co. M ...

\ bread financial. Bread Financial First Quarter 2022 Results April 28, 2022 Ralph Andretta President & CEO Perry Beberman EVP & CFO Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified by the use of words such as "believe," "expect," "anticipate," "est ...

Table of Contents 9 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-15749 ALLIANCE DATA SYSTEMS CORPORATION (Exact name of registrant as specified in its charter) Delaware 31-142921 ...