Bread Financial Holdings Inc (STU:LID)
€ 85 +0.50 (+0.59%) Market Cap: 3.45 Bil Enterprise Value: 6.54 Bil PE Ratio: 7.91 PB Ratio: 1.21 GF Score: 69/100

Bread Financial Holdings Inc at Goldman Sachs U.S. Financial Services Conference Transcript

Dec 10, 2025 / 06:40PM GMT
Release Date Price: €62.96
Ryan Nash
Goldman Sachs - Analyst

Here. Up next, we're pleased to have Bread Financial joining us once again. Bread has continued to execute on its strategy, being a leading provider in the credit card space through responsible growth. disciplined risk management, in addition after significantly improving its financial position, it's become a capital return story, which should be a solid EPS level for the company looking ahead.

Joining us from Bread is CEO, Ralph Andretta, and Chief Financial Officer Perry Beberman.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 you -- what have you done? And what are your current areas of focus as we move into 2026?

Questions & Answers

Ralph Andretta
Bread Financial Holdings Inc - President, Chief Executive Officer, Director

All right. Thank you, and thank you for recognizing what we've done. I think it's going to be more of the same. It's -- I've

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