Bread Financial Q1 net income $181M; revenue up 5%, loan growth 2% YoY

BREAD FINANCIAL HOLDINGS, INC.

2026-Q1 EPS reported $4.15

Net income of $181M; tangible book value per common share +26% YoY.
End-of-period loans +2% YoY; credit sales +7% YoY driven by Gen Z/Millennial activity.
Repurchased 3.5M shares (8% of outstanding) during Q1 2026.
Launched new credit card partnerships with Ford and Ethan Allen; expanded Bread Pay with AAA, Dell, Academy Sports.
Declares Q2 common dividend $0.23/share and preferred dividend $21.56/share, payable June 15.

item 2.02 item 7.01 item 8.01 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

BREAD FINANCIAL HOLDINGS, INC. reported the first quarter ended March 31, 2026 results: net income $181 million.

Period: the first quarter ended March 31, 2026
Net income: $181 million
Result: reported results

Exact text from the filing

Bread Financial delivered impressive first quarter results underscored by a return to loan growth with end-of-period loans up 2% year-over-year, alongside increasing growth in credit sales and improved credit metrics. Net income was $181 million, with revenue improvement of 5%, and tangible book value per common share grew by 26% year-over-year.

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Source: SEC EDGAR

accession 0001101215-26-000036

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