other material
confidence high
sentiment positive
materiality 0.60
Bread Financial's Jan 2026 net principal loss rate improves to 7.1% from 7.8% YoY
BREAD FINANCIAL HOLDINGS, INC.
- Net principal loss rate: 7.1% in Jan 2026 vs 7.8% in Jan 2025.
- Net principal losses decreased to $111M from $123M year-over-year.
- Delinquency rate (30+ days) fell to 5.9% from 6.1% as of Jan 31, 2026.
- Average credit card and other loans flat at ~$18.53B; end-of-period at $18.39B.
- Period-end principal loans outstanding declined to $16.40B from $16.87B YoY.