Bread Financial Holdings Inc at Bank of America Financial Services Conference Transcript
For those who don't know me, I'm Mihir Bhatia. I cover consumer finance and payments at Bank of America. Next on stage, we have Bread Financial. Bread Financial is a leading private label card issuer. Over the past few years, they have expanded their offerings to provide co-brand and proprietary cards and buy now, pay later loans.
I'm delighted to welcome both Ralph Andretta, who is CEO; and Perry Beberman, who's the CFO of Bread. They both are also recently celebrating -- birthdays around now, so you can wish them happy birthday afterwards. So thank you for joining us. Really appreciate you guys doing this conference for us again.
Questions & Answers
So maybe just to kick things off, Perry. This morning -- we'll start with you, Perry, but this morning, you filed financials. So maybe just talk to us a little bit about Jan results, anything we should keep in mind as we think about January results going into next quarter.
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