Bread Financial Q4 2024 net income $7M; full year adjusted EPS $7.55; dividend $0.21

BREAD FINANCIAL HOLDINGS, INC.

2024-FY EPS reported $5.49

Q4 2024 net income $7M ($0.14 diluted EPS); adjusted net income $20M ($0.40 adjusted diluted EPS).
Full year 2024 net income $277M ($5.49 EPS); adjusted net income $381M ($7.55 adjusted EPS).
Average loans $18.2B (down 1% YoY); revenue $926M; CET1 ratio 12.4% (+20 bps).
Repurchased $44M of convertible notes (pre-tax impact $11M) and $44M of shares (684k shares at $64.35 avg).
Declared quarterly dividend $0.21/share payable March 21, 2025 (unchanged); record Feb 14.

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