Bread Financial Q2 net income $146M, revenue up 7% YoY; improves 2026 outlook

BREAD FINANCIAL HOLDINGS, INC.

Q2 net income $146M; revenue +7% YoY; credit sales +11% YoY; end-of-period loans +5% YoY.
Direct-to-consumer deposits grew 16% YoY; retired 7% of outstanding common shares since Q1 end.
Tangible book value per common share up 22% YoY; delinquency and net loss rates improved.
Company improves 2026 outlook; no specific guidance numbers provided in filing.
Declared quarterly common dividend $0.23/share, payable Sept 15; preferred dividends also declared.

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