Bread Financial Holdings, Inc. (BFH) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

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Financial Services Conference December 10, 2025 1:40 PM EST Company Participants Ralph Andretta - President, CEO & DirectorPerry Beberman - Executive VP & CFO Conference Call Participants Ryan Nash - Goldman Sachs Group, Inc., Research Division Presentation Ryan NashGoldman Sachs Group, Inc., Research Division Up next, we're pleased to have Bread Financial joining us once again. Bread has continued to execute on its strategy of being a leading provider in the credit card space through responsible growth and disciplined risk management. In addition, after significantly improving its financial position, it's become a capital return story, which should be a solid EPS lever for the company looking ahead. Joining us from Bread is CEO, Ralph Andretta; and Chief Financial Officer, Perry Beberman. Question-and-Answer Session Ryan NashGoldman Sachs Group, Inc., Research Division Today's discussion is going to be a fireside chat. So maybe I'll kick it off with you, Ralph. You've done a ton to transform the company over the past few years. Maybe just talk a little bit about what are your -- what have you done? And what are your current areas of focus as we move into 2026? Ralph AndrettaPresident, CEO & Director Brian, thank you, and thank you for recognizing what we've done. And I think it's going to be more of the same. It's -- I've got a very boring answer for you. It's going to be continue to have responsible growth and be very prudent about that. Navigate the macroeconomic environment, come with May. We're going to navigate that environment with good prudent underwriting, doing the right thing. We'll continue to manage our capital. For the first time in a very long time or ever, we can execute on all our 3 capital priorities.

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