other material
confidence high
sentiment positive
materiality 0.55
Bread Financial Jul 2025 net loss rate 7.6% (down 40 bps YoY); delinquency rate 5.8% (down 40 bps)
BREAD FINANCIAL HOLDINGS, INC.
- Net loss rate of 7.6%, down from 8.0% in July 2024; net principal losses of $114M vs $120M.
- Delinquency rate of 5.8%, down from 6.2% year-over-year.
- Average credit card and other loans flat YoY at $17.585B; end-of-period loans $17.594B.
- Credit quality metrics improved with lower losses and delinquencies.