other material
confidence high
sentiment positive
materiality 0.60
Bread Financial October 2025 credit metrics improve: net loss rate 7.5%, delinquency 6.1%
BREAD FINANCIAL HOLDINGS, INC.
- Net loss rate fell to 7.5% in Oct 2025 from 7.9% a year ago; net principal losses $112M vs $120M.
- Delinquency rate (30+ days) improved to 6.1% from 6.4% in Oct 2024.
- Average credit card and other loans were $17.6B, down 1% YoY from $17.9B.
- Period-end credit card and other loans principal was $15.9B vs $16.5B in Oct 2024.