Bread Financial April 2026 net charge-off rate improves to 7.09% from 7.85% YoY

BREAD FINANCIAL HOLDINGS, INC.

Net principal losses of $105M vs $114M in April 2025; loss rate 7.09% vs 7.85%.
Delinquency rate (30+ days) 5.34% vs 5.73% as of April 30, 2026.
Average credit card and other loans $18.067B, up 2% YoY; end-of-period $18.123B.
Results reflect hurricane-related delinquency freeze in Q4 2024; impacts Q2 2025 comparisons.

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