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.

Earnings data Q1 2021

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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.

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

Bread Financial Commits to Preserving Our Planet with Gift to The Nature Conservancy

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. The following tables present the Company's net loss rate and delinquency rate for the periods indicated.   For the month ended August 31, 2022   For the month ended August 31, 2021   (dollars in millions) End-of-period credit card and other loans $ 18,020   $ 15,545 Average

Bread Financial Provides Performance Update for August 2022

Marqeta

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform, today announced that it has been chosen by Bread Financial (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, to enhance the in-store checkout experience for shoppers using Bread PayTM, its flexible suite of Buy Now, Pay Later products. Using Marqeta's platform, Bread Financial, which gives shoppers more ways to pay in the

Marqeta Teams Up with Bread Financial™ to Help Deliver Seamless E-Commerce Solution

NEW YORK--(BUSINESS WIRE)--Stand Up for Heroes (SUFH), New York's highly anticipated night of hope, healing and laughter, presented by the Bob Woodruff Foundation and the New York Comedy Festival (NYCF), returns for its 16th annual celebration to honor our nation's impacted veterans and their families, and to kick off the 2022 NYCF on November 7, at 8:00 p.m. ET at David Geffen Hall at the Lincoln Center for the Performing Arts. SUFH will feature performances by comedians and musicians includin

16th Annual Stand Up for Heroes, Presented by the Bob Woodruff Foundation and the New York Comedy Festival, Returns to Kick off the 2022 NYCF

Bread Financial (BFH) stands to gain from solid credit sales performance, proactive risk management, strong consumer payment behavior and a robust capital position.

Should You Hold Bread Financial (BFH) Stock in Your Portfolio?

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 Barclays Global Financial Services Conference on Monday, September 12, 2022. Bread Financial President and Chief Executive Officer Ralph Andretta, along with Perry Beberman, EVP and chief financial officer, and Val Greer, EVP and chief commercial officer,

Bread Financial to Participate in the Barclays Global Financial Services Conference

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. The following tables present the Company's net loss rate and delinquency rate for the periods indicated.   For the month ended July 31, 2022   For the month ended July 31, 2021   (dollars in millions) End-of-period credit card and other loans $ 17,884   $ 15,916 Average cred

Bread Financial Provides Performance Update for July 2022

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 Bread Financial's Second Quarter Earnings Conference Call. My name is Amber, and I will be coordinating your call today.

Bread Financial Holdings, Inc. (BFH) CEO Ralph Andretta on Q2 2022 Results - Earnings Call Transcript

Bread Financial (BFH) Q2 results reflect improved credit sales and higher total non-interest expenses.

Bread Financial (BFH) Q2 Earnings Miss, Credit Sales Rise Y/Y

Bread Financial (BFH) delivered earnings and revenue surprises of -88.89% and 0.86%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

Bread Financial Holdings (BFH) Misses Q2 Earnings and Revenue Estimates

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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. The following tables present the Company's net principal losses and delinquency rates for the periods indicated.   For the month ended June 30, 2022   For the three months ended June 30, 2022   (dollars in millions) End-of-period credit card and other loans $ 17,769   $ 17,7

Bread Financial Provides Performance Update for June 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 second quarter 2022 financial results. All earnings related materials are now available at the Company's investor relations website, here. Bread Financial President and Chief Executive Officer Ralph Andretta and Chief Financial Officer Perry Beberman will host a conference call at 8:30

Bread Financial Reports Second Quarter 2022 Results

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced a new, multi-year agreement with AAA, one of North America's largest and most trusted membership organizations serving over 56 million U.S. members. Issued and supported by Bread Financial, participating AAA clubs will offer the AAA Travel Advantage Visa Credit Card and AAA Daily Advantage Visa Credit Card,

Bread Financial, AAA Sign Long-term Agreement to Deliver Reimagined Credit Card Program

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) second-quarter 2022 performance.

What Awaits Bread Financial (BFH) This Earnings Season?

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For significant returns, investors should keep broker-friendly stocks like C.H. Robinson (CHRW), Bunge Limited (BG), Cross Country Healthcare (CCRN), Bread Financial (BFH) and Commercial Metals Company (CMC) on their radar.

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COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings (NYSE: BFH), a tech forward financial services company that provides simple, flexible payment, lending and saving solutions, will host a conference call on Thursday, July 28, 2022, at 8:30 a.m. ET to discuss the Company's second 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 in the Q&

Bread Financial Schedules Second Quarter 2022 Earnings Conference Call for July 28, 2022

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial today provided a performance update.

Bread Financial Provides Performance Update for May 2022

Bread Financial (BFH) stands to benefit from growing retained earnings, improved delinquency rate, net loss rate and a robust capital position.

Here's Why Should You Hold Bread Financial (BFH) Stock Now

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COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial will participate in the upcoming Morgan Stanley US Financials, Payments & CRE Conference on June 14, 2022.

News for Bread Financial Holdings Inc Stock (BFH)