BFH 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-10-27

• merchant discount fees, due to the scaling of new brand partners, and an increase in revenue from our payment protection products as a result of new enrollment channels. Overall, Total net interest and non-interest income for the quarter was $1.0 billion, up 5% versus the third quarter of 2025.

• Provision for credit losses increased during the three months ended September 30, 2026 driven by a $21 million reserve build and net principal losses of $300 million, compared with a $28 million reserve release and net principal losses of $327 million in the prior year period.

• Total non-interest expenses of $487 million increased $11 million year-over year, driven by a $13 million increase in Information processing and communication due to new software investments and increased technology-related service contract costs and a $6 million increase in Employee compensation an…

• Our efforts to further strengthen and optimize our Consolidated Balance Sheet continued in the third quarter of 2026. Consumer deposits increased 21% to $9.9 billion as of September 30, 2026, with average consumer deposits representing 53% of our total funding, up from 47% a year ago. The successful…

• Given the continued improvement in our credit metrics, our 2026 financial outlook now assumes a full year Net principal loss rate to be below 7%. This updated guidance contemplates our visibility into the current delinquency pipeline and a

相对上期删除的文字 · 来源:10-Q · 2026-07-28

• brand partners, and an increase in revenue from our payment protection products as a result of new enrollment channels. We expect Non-interest income will continue to decrease throughout the year as a result of both higher credit sales-related payments to brand partners, and higher brand partner pro…

• Provision for credit losses increased during the three months ended June 30, 2026 driven by a $3 million reserve release and net principal losses of $316 million, compared with a $74 million reserve release and net principal losses of $348 million in the prior year period.

• Total non-interest expenses of $483 million were relatively flat year-over year, driven by a $15 million decrease in Other expenses due primarily to the net impacts from our debt repurchases, partially offset by a $13 million increase in Employee compensation and benefits from increased wages, as we…

• During the quarter, we further optimized our capital structure by issuing $135 million of 8.875% preferred stock. With this issuance and continued strong earnings we were able to return value to stockholders through share repurchases, buying back 2.8 million shares, or $241 million, of common stock …

• Our 2026 financial outlook now assumes a full year Net principal loss rate ranging from 7.0% to 7.1% given a resilient consumer, our disciplined credit management, and continued risk and product mix shifts.

相对上期新增的文字 · 来源:10-Q · 2026-10-27

• (c)(i) On August 31, 2026, Ralph Andretta, our President and Chief Executive Officer, entered into a “Rule 10b5-1 trading arrangement,” as defined in Item 408(a) of Regulation S-K, providing for the sale from time to time of an aggregate of up to 75,000 shares of our common stock. The duration of th…

• Greer, our Executive Vice President and Chief Commercial Officer, entered into a “Rule 10b5-1 trading arrangement,” as defined in Item 408(a) of Regulation S-K, providing for the sale from time to time of an aggregate of up to 10,000 shares of our common stock. The duration of the trading arrangemen…

相对上期删除的文字 · 来源:10-Q · 2026-07-28

• (c)During the three months ended June 30, 2026, no Section 16 officer or director of the Parent Company adopted or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.