Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, and welcome to Bread Financial's Second Quarter twenty twenty six Earnings Conference Call. My name is Shannon, and I'll be coordinating your call today. At this time, all priorities have been placed on a listen only mode. Following today's presentation, the floor will be open for your questions. It is now my pleasure to introduce Mr. Brian Verib, Head of Investor Relations at Bread Financial. The floor is yours. Thank you. Copy of the slides we will be reviewing and the earnings release can be found on the Investor Relations section of our website at breadfinancial.com. On the call today, we have Ralph Andretta, President and Chief Executive Officer and Perry Bieberman, Executive Vice President and Chief Financial Officer. Before we begin, I would like to remind you that some of the comments made on today's call and some of the responses to your questions may contain forward looking statements. These statements are based on management's current expectations and assumptions and are subject to the risks and uncertainties described in the company's earnings release and other filings with the SEC. Also on today's call, our speakers will reference certain non GAAP financial measures, which we believe will provide useful information for investors. Reconciliation of those measures to GAAP are included in our quarterly earnings materials posted on our Investor Relations website. With that, I would like to turn the call over to Ralph Andretta. Thank you, Brian, and good morning to everyone joining us today. We are pleased with the strong financial results Bread Financial delivered in the second quarter. We saw accelerating credit sales, continued loan and deposit growth, increased revenue and PPNR and improving credit performance. These results demonstrate the ...