Brian Verib
Head of Investor Relations at Bread Financial
Replay available
Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call
Bread Financial Holdings, Inc. (NYSE: BFH) Q2 2026 earnings conference call, held 2026-07-23. Replay captured from the company's public earnings webcast.
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Investor webinar replay
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Replay transcript excerpt
WEBVTT NOTE Transcription provided by Deepgram Request Id: 01a0424c-1d54-7800-99ba-6a3eea3c5366 Created: 2026-08-27T08:18:03.068Z Duration: 3043.4482 Channels: 1 00:00:00.000 -- 00:00:03.120 Good morning, and welcome to Bread Financial's Second 00:00:03.120 -- 00:00:05.680 Quarter twenty twenty six Earnings Conference Call. 00:00:06.000 -- 00:00:08.000 My name is Shannon, and I'll be coordinating 00:00:08.000 -- 00:00:09.120 your call today. 00:00:09.519 -- 00:00:11.440 At this time, all priorities have been placed 00:00:11.440 -- 00:00:12.400 on a listen only mode. 00:00:13.055 -- 00:00:15.295 Following today's presentation, the floor will be open 00:00:15.295 -- 00:00:16.254 for your questions. 00:00:20.414 -- 00:00:22.575 It is now my pleasure to introduce Mr. 00:00:22.575 -- 00:00:24.895 Brian Verib, Head of Investor Relations at Bread 00:00:24.895 -- 00:00:26.494 Financial. The floor is yours. 00:00:30.050 -- 00:00:32.049 Thank you. Copy of the slides we will 00:00:32.049 -- 00:00:34.449 be reviewing and the earnings release can be 00:00:34.449 -- 00:00:36.610 found on the Investor Relations section of our 00:00:36.610 -- 00:00:39.170 website at breadfinancial.com. 00:00:39.649 -- 00:00:41.890 On the call today, we have Ralph Andretta, 00:00:41.975 -- 00:00:45.815 President and Chief Executive Officer and Perry Bieberman, 00:00:45.815 -- 00:00:48.775 Executive Vice President and Chief Financial Officer. 00:00:49.255 -- 00:00:51.415 Before we begin, I would like to remind 00:00:51.415 -- 00:00:53.415 you that some of the comments made on 00:00:53.415 -- 00:00:55.829 today's call and some of the responses to 00:00:55.829 -- 00:00:58.949 your questions may contain forward looking statements. 00:00:59.350 -- 00:01:02.309 These statements are based on management's cu...