Brian Verab
Head of Investor Relations, Bread Financial
Replay available
Bread Financial Holdings, Inc. (BFH) Q4 2025 Earnings Call
Bread Financial Holdings, Inc. (NYSE: BFH) Q4 2025 earnings conference call, held 2026-01-29. Replay captured from the company's public earnings webcast.
Hosted by
Featured presenters
Ralph Vendretta
President and Chief Executive Officer, Bread Financial
Perry Bieberman
Executive Vice President and Chief Financial Officer, Bread Financial
Sanjay Sakharan
Analyst, KBW
Moshe Orembach
Analyst, TD Cowen
John Heck
Analyst, Jefferies
Unidentified Bank of America Analyst
Analyst, Bank of America
Jeff Adelson
Analyst, Morgan Stanley
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 00:00:00.993 -- 00:00:04.678 Good morning and welcome to the Bread Financial fourth quarter 2025 earnings conference 00:00:04.678 -- 00:00:07.361 call. My name is Kevin and I'll be coordinating your call today. 00:00:07.361 -- 00:00:10.785 At this time, all parties have been placed on listen-only mode. 00:00:10.785 -- 00:00:13.809 Following today's presentation, the floor will be open for your questions. 00:00:13.809 -- 00:00:16.472 To register a question, please press star 1-1. 00:00:16.472 -- 00:00:20.297 It is now my pleasure to introduce Mr. Brian Verab, head of investor relations at Bread 00:00:20.297 -- 00:00:23.098 Financial. The floor is yours. 00:00:24.314 -- 00:00:28.519 Thank you. Copies of the slides we will be reviewing and the earnings release can be 00:00:28.519 -- 00:00:33.603 found on the investor relations section of our website at brettfinancial.com. 00:00:33.746 -- 00:00:38.572 On the call today, we have Ralph Vendretta, President and Chief Executive Officer, and 00:00:38.572 -- 00:00:43.398 Perry Bieberman, Executive Vice President and Chief Financial Officer. 00:00:43.398 -- 00:00:47.343 Before we begin, I would like to remind you that some of the comments made on today's 00:00:47.343 -- 00:00:52.546 call and some of the responses to your questions may contain forward-looking statements. 00:00:52.546 -- 00:00:57.032 These statements are based on management's current expectations and assumptions and are 00:00:57.032 -- 00:01:01.598 subject to the risks and uncertainties described in the company's earnings release and 00:01:01.598 -- 00:01:06.846 other filings with the SEC. Also on today's call, our speakers will reference certain 00:01:06.846 -- 00:01:12.654 non-GAAP financial measures, which we believe will provide useful information for ...