Bread Financial Q3 2024 adj. EPS $1.83, revenue $983M; declares $0.21 dividend

BREAD FINANCIAL HOLDINGS, INC.

2024-Q3 EPS reported $5.37

Adjusted net income $93M (adj. diluted EPS $1.83); GAAP net income $2M ($0.05 EPS) from $91M post-tax convertible note charge.
Revenue $983M; average loans $17.8B (+1% YoY); delinquency rate 6.4%; net loss rate 7.8%.
CET1 capital ratio 13.3% (+40 bps YoY); tangible book value per share $47.48.
Repurchased $262M principal of convertible notes with cash on hand, $96M pre-tax impact.
Board declared quarterly cash dividend $0.21/share, payable Dec 13 to holders of record Nov 8.

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