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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Bread Financial (BFH) investor relations material
Bread Financial Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025
Financial performance and capital management
Announced a $200 million share repurchase authorization, reflecting confidence in capital generation and maturity of capital priorities.
Beneficial discrete tax item expected in the quarter, with more guidance on full-year tax rate to come.
CET1 ratio at 13%, with plans to optimize capital stack further, possibly lowering the target range over time.
Capital priorities include responsible growth, technology investment, debt reduction, and shareholder returns.
Expectation to continue capital return programs into next year and beyond.
Credit quality and loan growth
Charge-offs improved to 7.9% in Q2, with full-year guidance revised lower to 7.8%-7.9% due to better credit performance.
Delinquencies and backend roll rates are improving, driven by early credit actions and a shift to co-brand products.
No material difference in delinquency between borrowers with and without student loans, though credit scores for some are declining.
Long-term charge-off target remains at 6%, with gradual improvement expected as new vintages align to this rate.
Loan growth is tracking flat to slightly down, attributed to higher payment rates across all credit scores.
Product and partnership strategy
Product suite includes private label, co-brand, proprietary cards, installment loans, and buy now, pay later.
Largest partners are renewed through at least 2028, providing stability and growth opportunities.
De novo partnerships are a focus, especially in furniture, home goods, travel, and automotive sectors.
Co-brand cards now represent over 50% of portfolio spend, balancing higher-risk private label cards.
Recent partnership with Crypto.com highlights technology capabilities and market competitiveness.
How do student loan borrowers behave?
What product has most growth potential?
How does buyback align with capital priorities?
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Next Bread Financial earnings date
Q3 202523 Oct, 2025
Next Bread Financial earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Modern Payment Solutions
Bread Financial, formerly known as Alliance Data Systems, is an American financial services company that specializes in consumer finance and payment solutions. Bread Financial offers a range of products and services, including branded credit programs, private-label credit cards, and installment lending. It offers services to private individuals in the form of things such as credit cards and savings accounts, and for businesses, the company offers things such as branded credit cards Buy Now, Pay Later implementation. The company is headquartered in Columbus, Ohio, and its shares are listed on the NYSE
Alliance Data Systems
What would later go on to become Bread Financial was established as Alliance Data Systems in 1996 from a merger between J.C. Penney's credit card processing unit and The Limited's credit card bank operation, World Financial Network National Bank. Alliance Data went public in 2001.
Fast-forwarding to 2021, Alliance Data spun off its LoyaltyOne segment, including the Canadian AIR MILES Reward Program and Netherlands-based BrandLoyalty, into a separate publicly traded company, Loyalty Ventures Inc. In 2022, Alliance Data rebranded to Bread Financial as a part of changing the brand's image in conjunction with its focus on more tech-oriented financial services besides its traditional offerings.
For Private Individuals
Bread Financial offers a suite of financial products tailored for private individuals. Their offerings include private-label credit cards and co-branded credit cards, which are developed in partnership with various retailers and brands and provided with the help of both Mastercard and Visa. These cards often come with rewards and loyalty program benefits, catering to specific consumer needs and spending habits. Additionally, Bread Financial provides direct-to-consumer installment loans, enabling individuals to manage larger purchases through structured payments.
For Businesses
Bread Financial offers for businesses include customizable private label and co-branded credit card programs, which businesses can offer to their customers, integrated with rewards and loyalty schemes to encourage repeat patronage. Additionally, Bread Financial offers Buy Now, Pay Later (BNPL) solutions, enabling businesses to provide flexible payment options to its customers, facilitating immediate purchases with deferred payment plans. The company also provides various data-driven marketing and analytics services.
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