Bread Financial Jan 2025: net loss rate 7.8% (down from 8.0%), delinquency 6.1% (down from 6.8%)

BREAD FINANCIAL HOLDINGS, INC.

2024-FY EPS reported $5.49

Net loss rate for January 2025 was 7.8%, compared to 8.0% in January 2024.
Delinquency rate (30+ days) as of January 31, 2025 was 6.1%, down from 6.8% a year earlier.
Average credit card and other loans were $18.53B, down 2% YoY from $18.915B.
Net principal losses for January 2025 were $123M, compared to $128M in January 2024.
End-of-period loans were $18.366B, down approximately 2% from $18.785B a year ago.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.