other material
confidence high
sentiment positive
materiality 0.35
Bread Financial Nov 2025 net loss rate 7.4% vs 8.0% YoY; delinquencies improve
BREAD FINANCIAL HOLDINGS, INC.
- End-of-period credit card loans $18.1B, average $17.8B, both down ~1% YoY.
- Net principal losses $109M in Nov 2025 vs $118M in Nov 2024.
- Net loss rate 7.4% improved from 8.0% year-over-year.
- Delinquency rate (30+ days) 6.0% as of Nov 2025 vs 6.2% a year earlier.
- Prior-year rates modestly lowered by hurricane-related delinquency freeze.