Bread Financial Holdings Inc

Bread Financial Holdings, Inc. engages in the provision of data-driven and transaction-based marketing, customer loyalty and payment solutions. Its products and services include credit cards, loan financing, processing, and servicing, marketing, data and analytics, and digital offerings. The company was founded in 1996 and is headquartered in Columbus, OH.

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Earnings data Q3 2024

Earnings data Q4 2024

Bread Financial Holdings Inc reports strong Q4 performance amidst challenges

Bread Financial Holdings Inc's Q4 2022 performance reflects robust revenue growth, successful product launches, and strategic partnerships, despite facing challenges related to regulatory uncertainties and inflationary pressures.
The company's focus on innovation, technology investments, and digital channels positions it well to capitalize on market opportunities and drive future growth through enhanced customer experiences.
Navigating economic challenges and maintaining growth momentum while addressing portfolio risks and competitive pressures will be key focus areas for Bread Financial Holdings Inc in the coming quarters.

Bread Financial Holdings Inc reports robust Q1 performance amidst economic challenges

BFH's Q1 earnings call highlighted strong financial performance, strategic initiatives, and a focus on balance sheet strength. The company faces challenges from consumer pressures and economic uncertainties but has opportunities to leverage its competitive strengths and adapt to changing market dynamics.

Bread Financial reduces debt, faces macro challenges, eyes growth opportunities

Bread Financial's Q2 performance reflects a mix of achievements and challenges amidst macroeconomic headwinds impacting credit sales and expenses.
The company's strengths lie in its strategic focus on responsible growth, diversified portfolio, and improved credit risk management practices.
While facing challenges such as elevated delinquency rates and processing expenses, Bread Financial can leverage opportunities in new partnerships and evolving consumer spending habits for future growth.

Bread Financial reports solid Q3 earnings amidst regulatory challenges

Bread Financial Holdings Inc had a strong Q3 performance with a focus on responsible growth and capital strengthening. Challenges lie ahead with expected slowing sales growth and higher loss rates in 2023. The company is proactively addressing regulatory changes and aiming to balance profitability with capital requirements.

Bread Financial reports resilient Q4 performance amidst macroeconomic challenges

Bread Financial Holdings Inc navigated challenging macroeconomic conditions in Q4 2023 to achieve sustainable growth and financial resilience. Despite facing higher credit losses and regulatory uncertainties, the company focused on managing risks, enhancing efficiency, and driving long-term value creation. Anticipated balanced growth in 2024 presents opportunities for responsible expansion and mitigating potential regulatory impacts.

Bread Financial reports solid Q1 earnings amidst market challenges

Bread Financial's Q1 2024 performance reflects resilience amidst challenging market conditions, with a focus on financial stability and responsible growth.
The company's proactive measures to strengthen the balance sheet, reduce debt, and adapt to regulatory changes position it well for long-term success.
Despite challenges from consumer spending moderation and regulatory adjustments, Bread Financial remains committed to shareholder value, innovation, and operational excellence.

Bread Financial Holdings Inc reports solid Q2 performance and strategic growth outlook

Bread Financial Holdings Inc demonstrated resilience and strategic growth initiatives in Q2 2024 despite challenges in credit sales and revenue.
The company's focus on responsible growth, risk management, and operational excellence positions it well for sustainable performance.
With a strong financial foundation, strategic partnerships, and proactive risk mitigation strategies, Bread Financial Holdings Inc is poised for continued success.

Bread Financial Holdings Inc reports strong Q3 performance and growth opportunities

Bread Financial Holdings Inc (BFH) delivered a solid performance in Q3, marked by strong financial results and strategic initiatives. While facing challenges related to regulatory changes and seasonal delinquency rates, the company remains focused on responsible growth and capital improvement. With a diverse product suite and mitigation strategies in place, BFH is poised for continued success.

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Bread Financial Holdings, Inc. engages in the provision of payment, lending, and saving solutions. The firm also offers private label and co-brand credit cards and buy now, pay later products such as installment loans and split-pay offerings. The company was founded in 1996 and is headquartered in Columbus, OH.

Bread Financial (BFH) delivered earnings and revenue surprises of 26.98% and 5.23%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

Bread Financial Holdings (BFH) Reports Q4 Loss, Tops Revenue Estimates

COLUMBUS, Ohio--( BUSINESS WIRE )--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company providing simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated.

Bread Financial™ Provides Performance Update for December 2022

COLUMBUS, Ohio--( BUSINESS WIRE )-- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its fourth quarter and full year 2022 financial results. All earnings-related materials are now available at the Company's investor relations website, here.

Bread FinancialTM Reports Fourth Quarter and Full Year 2022 Results

Bread Financial Holdings, Inc. remains durable with its steady revenues and sequential margin rebound. Its excellent liquidity position proves it can withstand macroeconomic headwinds.

Bread: Sustaining Growth Remains Uncertain, But Stability Assured

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Bread Financial (BFH) stands to gain from growing retained earnings, active risk management, solid consumer spending and capital deployment.

Here's Why Hold Strategy is Apt for Bread Financial (BFH) Stock

COLUMBUS, Ohio--( BUSINESS WIRE )-- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, will host a conference call on Thursday, Jan. 26, 2023, at 8:30 a.m. ET to discuss the company's full year and fourth quarter 2022 results.

Bread Financial Schedules Full Year and Fourth Quarter 2022 Earnings Conference Call for Jan. 26, 2023

Bread Financial Provides Performance Update for November 2022

SALT LAKE CITY--( BUSINESS WIRE )--The Utah Housing Preservation Fund (“UHPF”) announced today that Comenity Capital Bank, a subsidiary of Bread Financial (NYSE: BFH), has made a 10-year commitment of $10 million to the Fund. This investment will allow UHPF to purchase rental properties and preserve them at affordable rates to working families, invest new capital for improvements, and hold the properties in perpetuity to ensure Utah maintains safe and affordable units for low- to moderate-income families.

The Utah Housing Preservation Fund Receives Commitment from Comenity Capital Bank

COLUMBUS, Ohio--( BUSINESS WIRE )--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced a $1.5 million gift to Junior Achievement of Central Ohio (JA). JA inspires and prepares central Ohio K-12 students to achieve more in their lives and careers by delivering proven career-preparation, financial literacy and entrepreneurship programs in and out of the classroom.

Bread Financial Supports Junior Achievement™ of Central Ohio's Financial Literacy Mission

COLUMBUS, Ohio--( BUSINESS WIRE )--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 Goldman Sachs Financial Services Conference on Wednesday, December 7, 2022.

Bread Financial to Participate in the Goldman Sachs Financial Services Conference

COLUMBUS, Ohio--( BUSINESS WIRE )--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced a new relationship with Versatile Credit Inc., a leading provider of innovative solutions linking bank lenders with consumers applying for credit in retail stores. Through Versatile Credit's platform, Bread Pay's buy now, pay later installment products will now be available to participating Versatile Credit merchants and their customers.

Bread Financial and Versatile Credit Team-up to Introduce Buy Now, Pay Later (BNPL) to the Versatile Platform

October saw the fintech's net loss and delinquency rates tick higher.

Why Bread Financial Stock Fell 14.9% This Week

Bread Financial Provides Performance Update for October 2022

COLUMBUS, Ohio--(BUSINESS WIRE)--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 Stephens Annual Investment Conference on Thursday, November 17, 2022.

Bread Financial to Participate in the Stephens Annual Investment Conference

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Why Bread Financial Stock Rose 22.2% This Week

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NEW YORK , Oct. 27, 2022 /PRNewswire/ -- S&P Dow Jones Indices will make the following changes to the S&P 500, S&P MidCap 400 and S&P SmallCap 600: Arch Capital Group Ltd (NASD:ACGL) will replace Twitter Inc. (NYSE:TWTR) in the S&P 500 effective prior to the opening of trading on Tuesday, November 1. Elon Musk is acquiring Twitter in a transaction expected to close on October 28.

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Bread Financial (BFH) Q3 results reflect improved credit sales and higher total non-interest expenses.

Bread Financial (BFH) Q3 Earnings In Line, Credit Sales Rise

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. Operator Good morning, and welcome to Bread Financial's Third Quarter Earnings Conference Call. My name is Drew, and I'll be coordinating your call today.

Bread Financial Holdings, Inc. (BFH) Q3 2022 Earnings Call Transcript

Bread Financial (BFH) delivered earnings and revenue surprises of 0% and 0.58%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

Bread Financial Holdings (BFH) Q3 Earnings Match Estimates

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update.

Bread Financial Provides Performance Update for September 2022

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced its third quarter 2022 financial results.

Bread Financial Reports Third Quarter 2022 Results

Decreases in the provision for loan loss due to improved credit performance, reduction in interest expense, net due to lower average balances and higher revenues are likely to have driven Bread Financial's (BFH) performance in the to-be-reported quarter.

Here's What to Expect From Bread Financial's (BFH) Q3 Earnings

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, will host a conference call on Thursday, October 27, 2022, at 8:30 a.m. ET to discuss the Company's third quarter 2022 results. Conference Call/Webcast Information Participants can register in advance here, and the conference call will be available at www.BreadFinancial.com. Analysts planning to participate i

Bread Financial Schedules Third Quarter 2022 Earnings Conference Call for October 27, 2022

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread FinancialTM (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced a gift to The Nature Conservancy (TNC) that will support nature-friendly economic development opportunities in low-to-moderate income communities in the Appalachians and back the conservancy's efforts to sustainably manage, restore and protect forests. An additional donation to The Nature Conservancy India

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