Bread Financial Holdings, Inc. (BFH) CEO Ralph Andretta on Q2 2022 Results - Earnings Call Transcript

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Q2: 2022-07-28 Earnings Summary

10-Q
EPS of $0.56 misses by $1.64 | Revenue of $893.00M (-11.79% Y/Y) misses by $13.46M

Bread Financial Holdings, Inc. (NYSE:BFH) Q2 2022 Results Conference Call July 28, 2022 8:30 AM ET

Company Participants

Brian Vereb - Head, IR
Ralph Andretta - CEO, President & Director
Perry Beberman - EVP & CFO

Conference Call Participants

Robert Napoli - William Blair
Sanjay Sakhrani - KBW
Bill Carcache - Wolfe Research
Jeff Adelson - Morgan Stanley
Mihir Bhatia - Bank of America
Reggie Smith - JPMorgan
John Pancari - Evercore
Dominick Gabriele - Oppenheimer & Co

Operator

Good morning, and welcome to Bread Financial's Second Quarter Earnings Conference Call. My name is Amber, and I will be coordinating your call today. At this time, all participants placed in a listen-only mode. [Operator Instructions]

It is now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Bread Financial.

Brian Vereb

Thank you. Copies of the slides we will be reviewing and the earnings release can be found on the Investor Relations section of our website.

On the call today, we have Ralph Andretta, President and Chief Executive Officer of Bread Financial; and Perry Beberman, Executive Vice President and Chief Financial Officer of Bread Financial.

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 subject to the risks and uncertainties described in the company's earnings release and other filings with the SEC. Bread Financial has no obligation to update the information presented on the call.

Also on today's call, our speakers will reference certain non-GAAP financial metrics, 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 at breadfinancial.com.

With that, I would like to turn

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