Brian Vareb
Head of Investor Relations
Replay available
Bread Financial Holdings, Inc. (BFH) Q3 2025 Earnings Call
Bread Financial Holdings, Inc. (NYSE: BFH) Q3 2025 earnings conference call, held 2025-10-23. Replay captured from the company's public earnings webcast.
Hosted by
Featured presenters
Ralph Andretta
President and Chief Executive Officer
Perry Bieberman
Executive Vice President and Chief Financial Officer
Investor webinar replay
Watch the replay and follow the connected company analysis, news, and investor updates for Bread Financial Holdings, Inc..
Replay transcript excerpt
WEBVTT 00:00:00.031 -- 00:00:03.657 Good morning, and welcome to the Bread Financial's third quarter 2025 earnings conference 00:00:03.657 -- 00:00:07.883 call. My name is Kevin, and I'll be coordinating your call today. 00:00:07.883 -- 00:00:10.728 At this time, all parties have been placed on listen-only mode. 00:00:10.728 -- 00:00:13.853 Following today's presentation, the floor will be open for your questions. 00:00:13.853 -- 00:00:17.118 To register a question, please press star followed by 1-1. 00:00:17.118 -- 00:00:21.204 It is now my pleasure to introduce Mr. Brian Vareb, Head of Investor Relations for Bread 00:00:21.204 -- 00:00:23.985 Financial. The floor is yours. 00:00:24.787 -- 00:00:29.374 Thank you. Copies of the slides we will be reviewing and the earnings release can be 00:00:29.374 -- 00:00:34.619 found on the investor relations section of our website at breadfinancial.com. 00:00:34.802 -- 00:00:39.790 On the call today, we have Ralph Andretta, President and Chief Executive Officer, and 00:00:39.790 -- 00:00:44.417 Perry Bieberman, Executive Vice President and Chief Financial Officer. 00:00:44.417 -- 00:00:48.383 Before we begin, I would like to remind you that some of the comments made on today's 00:00:48.383 -- 00:00:53.778 call and some of the responses to your questions may contain forward-looking statements. 00:00:53.778 -- 00:00:58.542 These statements are based on management's current expectations and assumptions and are 00:00:58.542 -- 00:01:03.046 subject to the risks and uncertainties described in the company's earnings release and 00:01:03.046 -- 00:01:06.167 other filings with the SEC. 00:01:06.289 -- 00:01:11.813 Also on today's call, our speakers will reference certain non-GAAP financial measures, 00:01:11.813 -- 00:01:15.997 which we ...