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Bread FinancialTM Reports Fourth Quarter and Full Year 2022 Results

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COLUMBUS, Ohio--(BUSINESS WIRE)-- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its fourth quarter and full year 2022 financial results. All earnings-related materials are now available at the Company’s investor relations website, here.

Bread Financial President and Chief Executive Officer Ralph Andretta and Chief Financial Officer Perry Beberman will host a conference call at 8:30 a.m. EST today to discuss results. The conference call will be available at the company’s investor relations website, and a replay will also be available there following the call.

About Bread Financial

Bread FinancialTM (NYSE: BFH) is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded Bread CashbackTM American Express® Credit Card and Bread SavingsTM products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its 6,000+ global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit BreadFinancial.com or follow us on Facebook, LinkedIn, Twitter and Instagram.

Brian Vereb — Investor Relations

Brian.Vereb@breadfinancial.com

Rachel Stultz — Media

Rachel.Stultz@breadfinancial.com

Source: Bread Financial

Bread Financial Holdings, Inc.

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About BFH

alliance data® and its businesses comprise n. america’s largest, most comprehensive provider of transaction-based, data-driven marketing and loyalty solutions, driving business growth and profitability for some of today’s most recognizable brands. alliance data retail services is the second-largest u.s. provider of marketing-driven private label and co-brand credit programs designed to increase consumer spend and loyalty. across multiple touch points, like traditional, digital, mobile and other emerging technologies, alliance data retail helps its clients—such as hsn, j. crew, the buckle, and 90 others—create and increase customer loyalty through solutions that engage its nearly 25 million cardholders each day. epsilon® , a leading provider of multi-channel, data-driven technologies and marketing services, manages solutions such as permission-based email marketing, database management, advanced analytics, and strategic consulting and creative services to more than 2,000 global clients.