Bread Financial Provides Performance Update for January 2026

Performance Update - Bread Financial Holdings, Inc. reported a net principal loss rate of 7.1% for January 31, 2026, down from 7.8% a year earlier, indicating improved credit performance [1] - The company experienced net principal losses of $111 million in January 2026, a decrease from $123 million in January 2025 [1] - The delinquency rate as of January 31, 2026, was 5.9%, compared to 6.1% in the previous year, reflecting a positive trend in loan 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 provides general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [2] - Bread Financial also supports growth for recognized brands in various sectors through private label and co-brand credit cards, offering value to shared customers [2] Company Milestone - In 2026, Bread Financial celebrates 30 years of success, highlighting its long-standing presence in the financial services industry [3]