Bread Financial reports Dec 2025 net loss rate 7.4%, delinquency rate 5.8%

BREAD FINANCIAL HOLDINGS, INC.

End-of-period credit card and other loans $18,805M as of Dec 31, 2025.
Net loss rate for the month and quarter ended Dec 31, 2025: 7.4%.
Net principal losses for December 2025: $116M; for Q4 2025: $336M.
Delinquency rate (30+ days) improved to 5.8% vs 5.9% a year earlier.
Average credit card and other loans down 1% YoY for both December and Q4 2025.

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