Bread Financial Holdings, Inc. (NYSE:BFH) Q3 2024 Earnings Conference Call October 24, 2024 8:30 AM ET
Company Participants
Brian Vereb – Head, Investor Relations
Ralph Andretta – President & Chief Executive Officer
Perry Beberman – Executive Vice President & Chief Financial Officer
Conference Call Participants
Mihir Bhatia – Bank of America
Sanjay Sakhrani – KBW
Vincent Caintic – BTIG
Jeff Adelson – Morgan Stanley
Bill Carcache – Wolfe Research Securities
David Rochester – Compass Point Research & Trading
John Pancari – Evercore ISI
Reggie Smith – JPM
Jon Arfstrom – RBC Capital Markets
Operator
Good morning, and welcome to Bread Financial’s Third Quarter 2024 Earnings Conference Call. My name is Michelle, and I’ll be coordinating your call today. At this time, all parties have been placed on a listen-only mode. Following today’s presentation, the floor will be opened for your questions. [Operator Instructions]
It is 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 at breadfinancial.com. On the call today, we have Ralph Andretta, President and Chief Executive Officer; and Perry Beberman, Executive Vice President and Chief Financial Officer.
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
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