Bread Financial May 2025 net loss rate 8.0% vs 8.8% YoY; delinquencies 5.7% vs 5.9%

BREAD FINANCIAL HOLDINGS, INC.

Net principal losses $120M in May 2025 vs $133M in May 2024.
Net loss rate improved to 8.0% from 8.8% year-over-year.
Delinquency rate (30+ days) fell to 5.7% from 5.9%.
End-of-period credit card and other loans $17.7B, down 1% YoY.
Hurricane-related delinquency freeze will negatively impact Q2 2025 loss rates.

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