Bread Financial Holdings, Inc. (BFH) Q3 2022 Earnings Call Transcript

Bread Financial Holdings, Inc. (NYSE:BFH) Q3 2022 Earnings Conference Call October 27, 2022 8:30 AM ET

Company Participants

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

Conference Call Participants

Sanjay Sakhrani - KBW
Robert Napoli - William Blair & Company
Mihir Bhatia - Bank of America Merrill Lynch
Bill Carcache - Wolfe Research
Jeffrey Adelson - Morgan Stanley
John Pancari - Evercore ISI
David Scharf - JMP Securities
Reginald Smith - JPMorgan Chase & Co.

Operator

Good morning, and welcome to Bread Financial's Third Quarter Earnings Conference Call. My name is Drew, and I'll be coordinating your call today. [Operator Instructions]. It's now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Bread Financial. The floor is yours.

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 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 at breadfinancial.com.

With that, I would like to turn the call over to Ralph