Bread Financial Q3 net income $156M on 5% revenue growth; common dividend raised 9% to $0.25

BREAD FINANCIAL HOLDINGS, INC.

Net income of $156M; revenue up 5% YoY as credit sales rose 9% and end-of-period loans grew 7%.
Consumer deposits increased 21% to $9.9B; tangible book value per share up 19% YoY; $75M of common stock repurchased during the quarter.
Full-year 2026 net loss rate outlook improved to below 7%, with delinquency and net loss rates both trending favorably year-over-year.
Common dividend raised 9% to $0.25/share from $0.23, payable Dec 15, 2026 to holders of record Nov 30; Series A preferred $0.539/depositary share, Series B $0.55475.
Renewed top-10 partners Signet Jewelers (expanding to Blue Nile brand) and Sephora; completed bank merger and received a Moody's ratings upgrade after quarter end.

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