Bread Financial September net loss rate 5.99%; delinquency improves to 5.57% from 6.04% YoY

BREAD FINANCIAL HOLDINGS, INC.

September 2026 net principal loss rate was 5.99% on $92M of net principal losses; Q3 net principal loss rate was 6.40% on $300M.
End-of-period credit card and other loans were $18.85B; average loans were $18.74B in September, up 6.4% YoY, and $18.59B for Q3, up 5.7%.
30+ day delinquency rate was 5.57% at September 30, 2026, versus 6.04% a year earlier; delinquent principal was $923M versus $963M.
Period-end credit card and other loans principal was $16.584B, compared with $15.928B at September 30, 2025.

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