Bread Financial Provides Performance Update for December 2025

Core Insights - Bread Financial Holdings, Inc. reported a net loss rate of 7.4% and a delinquency rate of 5.8% as of December 31, 2025, showing stability compared to the previous year [1] - The company has a total of $18.805 billion in end-of-period credit card and other loans, with a year-over-year change in average loans of -1% [1] Financial Performance - For the three months ended December 31, 2025, the average credit card and other loans were $18.474 billion, slightly down from $17.961 billion [1] - Net principal losses for the period were reported at $116 million, with total net losses amounting to $336 million [1] - The delinquency rate decreased from 5.9% in December 2024 to 5.8% in December 2025, indicating a slight improvement in credit performance [1] Company Overview - Bread Financial is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [2] - The company has been operational for 30 years, focusing on empowering customers through its financial products [3]