Bread Financial October net loss rate falls to 6.69% from 7.50% YoY; card loans up 6.9%

BREAD FINANCIAL HOLDINGS, INC.

Net principal losses of $107M in October 2026, a 6.69% net principal loss rate vs. $112M and 7.50% in October 2025.
End-of-period credit card and other loans $18,961M vs. $17,694M a year earlier; average loans $18,846M, up 6.9% YoY.
30+ day delinquencies of $939M, delinquency rate 5.64% vs. $963M and 6.05% as of October 31, 2025.
Period-end credit card and other loans (principal) $16,665M vs. $15,903M a year prior.
Prior-year comparison showed average loans down 1.3% YoY, making the +6.9% October 2026 growth a swing to expansion.

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