Bread Financial May 2026 credit metrics improve: loss rate 6.98%, delinquency 5.24%

BREAD FINANCIAL HOLDINGS, INC.

Net principal loss rate for May 2026 was 6.98%, down from 7.97% in May 2025.
30+ day delinquency rate fell to 5.24% from 5.71% a year ago.
End-of-period credit card and other loans rose to $18.4B from $17.7B YoY.
Hurricane-related delinquency freezes in late 2024 negatively impacted Q2 2025 loss rates.
Average loans increased 2.6% YoY to $18.2B.

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