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Bread Financial (BFH) Q2 2025 Earnings Transcript


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Bread Financial (NYSE:BFH) reported adjusted net income in Q2 2025, reflecting an improving credit outlook and continued deposit growth, while revenue and average loans slightly declined amid persistent macroeconomic headwinds. Management emphasized prudent risk management, operational discipline, and dynamic product innovation, including partnerships and new card offerings. The company executed significant capital return and debt reduction initiatives in Q2 2025, resulting in improved liquidity and capital ratios for greater balance sheet flexibility.

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