Bread Financial: Disciplined Technology Adoption and Credit Quality Upgrades Support Durable Growth and ProfitabilityWe come away from our BTIG dinner with Bread Financial's CEO and CFO reiterating our positive view. There are many macro themes that pose near-term catalysts, both potentially positive and negative, that were brought up during our dinner discussion. We are comfortable with those themes. Moreover, management reiterated many of the long term fundamental themes that will result in Bread's franchise consistently growing, while expanding margins and improving its consumer credit profile.