Bread Financial Reports May Net Principal Loss Rate Of 6.98%, Down From 7.97%, And Delinquency Rate Of 5.24%, Down From 5.71%

Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc.

BFH

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Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's Net principal loss rate and Delinquency rate for the periods indicated:

  For the
month ended
May 31, 2026		   For the
month ended
May 31, 2025
  (dollars in millions)
End-of-period credit card and other loans $ 18,363     $ 17,702  
Average credit card and other loans $ 18,169     $ 17,714  
Year-over-year change in average credit card and other loans   2.6 %     (0.7 %)
Net principal losses (1) $ 108     $ 120  
Net principal loss rate (1)   6.98 %     7.97 %

 

  As of
May 31, 2026		   As of
May 31, 2025
  (dollars in millions)
30 days + delinquencies – principal $ 853     $ 926  
Period ended credit card and other loans – principal $ 16,287     $ 16,200  
Delinquency rate   5.24 %     5.71 %
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