Core Insights - Bread Financial Holdings, Inc. reported its first quarter 2025 financial results, emphasizing its position as a tech-forward financial services company [1] - The company provides flexible payment, lending, and saving solutions to millions of U.S. consumers, enhancing customer experiences and supporting various brands [3] Financial Performance - The financial results for the first quarter of 2025 were announced, with all related materials available on the company's investor relations website [1] - A conference call was scheduled to discuss these results, indicating a commitment to transparency and communication with investors [2] Company Overview - Bread Financial specializes in personalized financial solutions, including general purpose credit cards and savings products, aimed at improving customers' lives [3] - The company collaborates with well-known brands across various sectors, including travel, entertainment, health, beauty, jewelry, and specialty apparel, through private label and co-brand credit cards [3]

Wall Street expects a year-over-year decline in earnings on lower revenues when Bread Financial Holdings (BFH) reports results for the quarter ended March 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on April 24, 2025, might help the stock move higher if these key numbers are better ...

Bread Financial Holdings (BFH) shares ended the last trading session 12.7% higher at $48.28. The jump came on an impressive volume with a higher-than-average number of shares changing hands in the session. This compares to the stock's 10.1% loss over the past four weeks.BFH's shares surged in response to the broader market rally after President Trump announced a 90-day pause of reciprocal tariffs for most countries.This manager of loyalty and rewards programs for retailers and others is expected to post qua ...

Core Viewpoint - Bread Financial Holdings, Inc. will host a conference call on April 24, 2025, to discuss its first quarter 2025 results [1] Group 1: Company Overview - Bread Financial is a tech-forward financial services company providing personalized payment, lending, and saving solutions to millions of U.S. consumers [3] - The company offers payment solutions, including general purpose credit cards and savings products, aimed at empowering customers [3] - Bread Financial collaborates with recognized brands in various sectors, including travel & entertainment, health & beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3] Group 2: Conference Call Details - The conference call will take place at 8:30 a.m. ET and will be available on the company's investor relations website [1][2] - Participants are encouraged to register in advance and download necessary software at least 15 minutes prior to the call [2] - The webcast will be archived on the investor relations website for future access [2]

Company Performance Update - Bread Financial Holdings, Inc. reported a net loss rate of 8.6% for February 2025, a slight improvement from 8.9% in February 2024 [1] - The average credit card and other loans decreased by 2% year-over-year, from $18,541 million in February 2024 to $18,141 million in February 2025 [1] - Net principal losses for February 2025 were $120 million, compared to $131 million in February 2024 [1] Delinquency Rates - The delinquency rate as of February 28, 2025, was 6.2%, down from 6.7% in February 2024 [1] - The total amount of 30 days or more delinquencies in principal was $1,027 million as of February 28, 2025, compared to $1,130 million as of February 29, 2024 [1] Company Overview - Bread Financial is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [2] - The company provides general purpose credit cards and savings products, as well as private label and co-brand credit cards, enhancing customer experience in various sectors including travel, health, and specialty apparel [2]

COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the pricing of its previously announced offering of $400 million in aggregate principal amount of its 8.375% fixed-rate reset subordinated notes due 2035 (the “Notes”), in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”). The Notes will be sold at a price of 100% of the principa ...

COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced that its Board of Directors (the “Board”) has authorized a new plan to repurchase up to $150 million of shares of its common stock. There is no expiration date for the repurchase plan. “Aligned with our capital priorities, we have prudently focused on strengthening our balance sheet over the past five years, including building capital and reducing debt. The issu ...

COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today that it intends to offer, subject to market and other conditions, $400 million aggregate principal amount of fixed-rate reset subordinated notes (the “Notes”) in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”). The Company intends to lend no less than $250 million of the net pr ...

COLUMBUS, Ohio, Feb. 25, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the company's participation in the 2025 RBCCM Global Financial Institutions Conference on Tuesday, March 4. Bread Financial Chief Financial Officer Perry Beberman will participate in a fireside chat. The fireside chat will take place at 11:20 a.m. ET and will be broadcast live here. Th ...

Financial Performance - The company reported a significant increase in revenue, achieving $1.5 billion for the fiscal year, representing a 15% year-over-year growth[7]. - The company anticipates a revenue growth of 10% to 12% for the next fiscal year, projecting revenues between $1.65 billion and $1.68 billion[7]. - The company reported a decrease in credit loss allowance by 5%, reflecting improved customer credit performance[7]. User Engagement and Growth - User data showed a 20% increase in active accounts, reaching 5 million users by the end of the fiscal year[7]. - New product launches contributed to a 25% increase in transaction volume, with the introduction of Bread Cashback and Bread Rewards driving user engagement[7]. Market Expansion and Partnerships - The company is expanding its market presence, targeting a 30% increase in partnerships with retailers over the next year[7]. - The company is exploring strategic acquisitions to enhance its service offerings, with a focus on fintech startups[7]. Regulatory Impact - Regulatory changes are expected to impact the business, particularly the new CFPB rule limiting credit card late fees, which could reduce revenue by approximately 8% in the short term[7]. - The Consumer Financial Protection Bureau (CFPB) issued a final rule in 2024 that may significantly limit credit card late fees, potentially impacting the company's business and operations in the short and long term[15]. - The company cannot assure the effective date of the CFPB rule or the outcome of any legal challenges related to it, which adds uncertainty to future operations[15]. - The company has taken mitigating actions in anticipation of the CFPB rule, but the effectiveness of these actions remains uncertain[15]. Investment in Technology and Security - The company has allocated $50 million for research and development of new technologies aimed at enhancing user experience and security[7]. - The company is committed to improving cybersecurity measures, investing an additional $10 million to strengthen its systems against potential threats[7].