BFH

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Bread Financial | October 22, 2026 1 "Our third quarter results underscore the sustained strength of Bread Financial's performance and our disciplined and consistent execution of key priorities including: responsible growth, credit risk management, and capital allocation. Credit sales increased 9% year-over-year, from both new and existing brand partners and continued strength in general-purpose spending. This positive momentum contributed to 7% growth in end-of-period loans, 5% revenue growth, and net income of $156 million. Consumer deposits increased 21% to $9.9 billion. These results demonstrate the continued success of our business model and our ability to generate sustainable, profitable growth. "Additionally, we saw continued improvement in our credit metrics, with both the delinquency and net loss rates trending positively year-over-year. These trends reflect our disciplined credit risk management, sophisticated underwriting, and further maturation of higher-quality new account acquisitions. We continue to monitor the effects of higher inflation and broader macroeconomic uncertainty on the consumer, however, our consumers continue to thoughtfully manage their spending and financial obligations. "Our partner renewal activity this quarter reinforces the differentiated value we deliver. We extended our longstanding agreement with Signet Jewelers through a renewal that enhances technology and data-driven marketing capabilities, and expands the credit program to include the Blue Nile brand. We also renewed our long-term agreement with Sephora, where we will further integrate brand loyalty with our card offerings, enhance personalization, and deliver more seamless experiences across channels. These important long-term renewals, with two of our top 10 partners, underscore the durability and strength of our relationships and our continued ability to create long-term value for both our partners and their customers. "Our strong capital position and consistent cash flow generation provide flexibility to invest in growth and technology, including AI capabilities, while returning capital to shareholders. Tangible book value per share grew 19% year-over-year, reflecting the compounding benefits of our earnings power and our prudent capital management. During the quarter, we repurchased $75 million of common stock. Today we announced that we are increasing our quarterly common stock dividend by 9%. Both actions reflect our Board's confidence in our business model and our positive long-term financial outlook. Since the end of the third quarter, we successfully completed our bank merger and received a credit ratings upgrade from Moody's, providing further evidence of the company's transformation and the strength of our enhanced enterprise risk, funding, and capital management. "We enter the final quarter of 2026 confident in our performance, encouraged by continued credit improvement and balance sheet growth, and remain committed to advancing our strategic priorities while achieving our long-term financial targets." - Ralph Andretta, president and chief executive officer Bread Financial reports accelerated loan and consumer deposits growth; improves full year net loss rate outlook to be below 7% (1) Represents a Non-GAAP financial measure. See “Non-GAAP Financial Measures” and "Reconciliation of GAAP to Non-GAAP Financial Measures." $18.6B 3Q26 Average loans $3.82 3Q26 Earnings per diluted common share 13.1% Common equity tier 1 capital ratio 23.6% 3Q26 Return on average tangible common equity(1) • Relative to the third quarter of 2025: • Net income of $156 million decreased $32 million, or 17%, as the prior year included a $38 million favorable discrete tax item. Pretax income increased $13 million, or 6%, as strong loan growth resulted in 5% revenue growth. • Pretax pre-provision earnings (PPNR)(1) increased $35 million, or 7%. • Average loans increased 6%, attributed to new partnership growth and improved credit sales. • Book value and Tangible book value per common share(1) increased 18% to $85.23 and 19% to $66.95, respectively. • Return on average equity was 17.7%; Return on average tangible common equity(1) was 23.6%. • The delinquency rate was 5.57% and the net loss rate was 6.40%. • Declared a quarterly cash dividend of $0.25 per common share, a 9% increase from the prior quarter. • Repurchased 0.7 million shares of common stock for an aggregate purchase price of $75 million. • Received credit ratings upgrade from Moody's to Ba1 from Ba2. CEO COMMENTARY COLUMBUS, Ohio, October 22, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions, today announced financial results for the third quarter ended September 30, 2026. 17.7% 3Q26 Return on average equity Exhibit 99.1

Bread Financial | Octob

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Bread Financial | April 23, 2026 1 "Bread Financial delivered impressive first quarter results underscored by a return to loan growth with end-of-period loans up 2% year-over-year, alongside increasing growth in credit sales and improved credit metrics. Net income was $181 million, with revenue improvement of 5%, and tangible book value per common share grew by 26% year-over-year. During the quarter we retired 3.5 million shares, or 8% of our outstanding shares as of year end 2025, supported by our solid capital levels and cash flow generation. We continue to maintain a strong foundation to further execute on our growth and capital priorities moving forward. "Credit sales grew 7% year-over-year in the first quarter, driven by new partner growth across our full product suite and increased shopping activity, particularly among Gen Z and Millennials. Our long-standing partnerships also contributed to this growth, most notably in the health and beauty, jewelry, and travel and entertainment verticals. We are encouraged by current credit trends and expect continued gradual improvement in our credit metrics. At the same time, we continue to monitor macroeconomic and geopolitical factors and their potential effects on consumer spending and employment. "In the quarter, we launched new credit card relationships with Ford and Ethan Allen. The Ford program leverages our deep expertise in the automotive retail landscape, while Ethan Allen, America's number one premium furniture retailer, strengthens our prominence in the home vertical. We are now offering Bread Pay installment loans with additional partners including AAA, Dell, and Ford along with Academy Sports, who now provides our comprehensive suite of payment options, including co-brand, private label, and installment loans. Our full product suite, technology advancements, sophisticated underwriting, enhanced loyalty programs, and differentiated partnership model are central to our success in winning new partnerships, retaining and strengthening existing partnerships, and driving higher lifetime customer value. "We are proud of our first quarter performance and plan to build on this momentum throughout 2026." - Ralph Andretta, president and chief executive officer Bread Financial reports improved credit performance and return to loan growth in the first quarter of 2026 COLUMBUS, Ohio, April 23, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions, today announced financial results for the first quarter ended March 31, 2026. (1) Represents a Non-GAAP financial measure. See “Non-GAAP Financial Measures” and "Reconciliation of GAAP to Non-GAAP Financial Measures." $18.3B 1Q26 Average loans $4.15 1Q26 Earnings per diluted common share 13.3% Common equity tier 1 capital ratio $61.57 Tangible book value per common share(1) • Relative to the first quarter of 2025: • Net income of $181 million increased $43 million. • Average loans increased 1%, benefitting from new partner growth and improved credit sales. • Common equity tier 1 (CET1) capital ratio increased 130 basis points to 13.3%. • Book value per common share increased $14.30, or 22%, to $78.72 • Tangible book value per common share(1) increased $12.66, or 26%, to $61.57. • Return on average equity was 21.2% • Return on average tangible common equity(1) was 27.4%. • First quarter delinquency rate was 5.59% and net loss rate was 7.33%. • Retired 1.5 million shares of common stock from the full unwind of our capped call transactions. • Repurchased 2.0 million shares of common stock for $150 million. • Announced a $600 million increase to our Board approved common stock repurchase authorization. CEO COMMENTARY Exhibit 99.1

Bread Financial | April 23, 2026 2 "Bread Financial drove strong, sustainable results with first quarter tangible book value per common share of $61.57 increasing nearly $13, or 26%, from a year ago. Credit sales of $6.5 billion were up 7%, marking six consecutive quarters of year-over-year growth, as consumers remain resilient amid ongoing macroeconomic uncertainty. End-of-period loan growth turned positive, increasing 2% year-over- year, driven by strong credit sales and continued gradual improvement in our credit metrics. Pretax pre-provision earnings, a non-GAAP financial measure, increased 11% year-over-year as we continue to drive growth and generate operating efficiencies. "Revenue increased 5% year-over-year with net interest margin improving to 19.3%. Sequentially, our net interest margin increased due to the gradual build of pricing changes, as well as lower overall funding costs. We anticipate the incremental benefits tied to pricing changes slowing throughout the year as the majority of our portfolio will have repriced. Net interest margin will