Bread Financial reports June 2026 credit metrics: net principal loss rate 6.88%, delinquency rate 5.25%

BREAD FINANCIAL HOLDINGS, INC.

End-of-period credit card and other loans $18.5B; average loans up 4.1% YoY for month.
Net principal losses $104M for June, $317M for Q2 2026; net principal loss rate 6.88% and 6.98% respectively.
Delinquency rate (30+ days) improved to 5.25% as of June 30, 2026 from 5.73% a year earlier.
Year-over-year change in average credit card and other loans was 2.9% for the three months ended June 30, 2026.

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