Bread Financial reports March net loss rate 8.1%, Q1 8.2%; delinquency rate improves to 5.9% from 6.2%

BREAD FINANCIAL HOLDINGS, INC.

Net loss rate for March 2025: 8.1%; Q1 2025 average: 8.2%.
Delinquency rate (30+ days) as of March 31, 2025: 5.9%, down from 6.2% a year ago.
End-of-period credit card and other loans: $17.815 billion; average loans down 2% YoY.
Net principal losses for Q1 2025: $365 million, with March contribution of $123 million.

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