COLUMBUS, Ohio, Jan. 06, 2026 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions will host a conference call on Thursday, Jan. 29, 2026, at 8:30 a.m. ET to discuss the company’s fourth quarter and full year 2025 results. Conference Call/Webcast InformationParticipants can register in advance here, and the conference call will be available at the company’s investor relations websi ...

Core Insights - Bread Financial Holdings, Inc. reported a performance update highlighting a decrease in net loss rate and delinquency rate year-over-year [1] - The company experienced a 1% decline in average credit card and other loans from November 2024 to November 2025 [1] - The impact of hurricanes Helene and Milton led to a temporary freeze on delinquency progression for affected cardholders, contributing to lower net principal losses [1] Financial Performance - End-of-period credit card and other loans as of November 30, 2025, were $18,094 million, compared to $18,143 million in 2024, reflecting a 1% decrease [1] - Average credit card and other loans decreased from $17,947 million in November 2024 to $17,776 million in November 2025, also a 1% decline [1] - Net principal losses decreased from $118 million in November 2024 to $109 million in November 2025, resulting in a net loss rate of 7.4%, down from 8.0% [1] Delinquency Metrics - The delinquency rate improved from 6.2% in November 2024 to 6.0% in November 2025 [1] - The total amount of 30 days or more delinquencies was $967 million as of November 30, 2025, compared to $1,032 million in 2024 [1] - The total principal amount of credit card and other loans was $16,251 million as of November 30, 2025, down from $16,695 million in 2024 [1]

Core Insights - Bread Financial Holdings, Inc. will participate in the Goldman Sachs 2025 Financial Services Conference on December 10, 2025 [1] - The company's President and CEO Ralph Andretta, along with CFO Perry Beberman, will engage in a fireside chat at 1:40 p.m. ET, which will be broadcast live [2] 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 [3] - The company provides general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [3] - Bread Financial also supports growth for recognized brands in various sectors through private label and co-brand credit cards, as well as pay-over-time products [3]

Core Insights - Bread Financial Holdings, Inc. reported a performance update highlighting a decrease in average credit card and other loans by 1% year-over-year, with net principal losses slightly reduced to $112 million from $120 million [1] - The net loss rate improved to 7.5% in October 2025 from 7.9% in October 2024, while the delinquency rate also decreased to 6.1% from 6.4% [1] Financial Performance - End-of-period credit card and other loans stood at $17.694 billion in October 2025, down from $17.915 billion in October 2024 [1] - Average credit card and other loans were $17.627 billion in October 2025 compared to $17.867 billion in October 2024 [1] - The company experienced a year-over-year change in average credit card and other loans of -1% [1] Delinquency and Loss Rates - The net principal losses for the month ended October 31, 2025, were $112 million, reflecting a decrease from $120 million in the same month of the previous year [1] - The delinquency rate as of October 31, 2025, was reported at 6.1%, down from 6.4% in October 2024 [1] - The company noted that hurricanes Helene and Milton led to a freeze in delinquency progression for affected cardholders, contributing to the lower net principal losses and net loss rate [1]

Core Viewpoint - Bread Financial Holdings, Inc. has announced the pricing of a $500 million offering of 6.750% senior notes due 2031, with expected net proceeds of approximately $493 million after expenses [1][2]. Group 1: Notes Offering Details - The senior notes will be sold at 100% of their principal amount and are expected to close on November 6, 2025, subject to customary conditions [1]. - The net proceeds from the notes offering, along with $275 million in cash, will be used to fully redeem the outstanding 9.750% Senior Notes due 2029, which have an aggregate principal amount of $719 million [2]. - A conditional notice has been sent to holders of the 2029 Notes, indicating the intention to redeem them on November 7, 2025, contingent upon the successful completion of the notes offering [3]. Group 2: Guarantees and Regulatory Information - The notes will be guaranteed by the Company's domestic subsidiaries that also guarantee its existing senior notes and senior credit facility [4]. - The notes will not be registered under the Securities Act and will only be offered to qualified institutional buyers or non-U.S. persons in compliance with applicable regulations [5].

Core Viewpoint - Bread Financial Holdings, Inc. plans to offer $500 million in senior notes to redeem its outstanding 9.750% Senior Notes due 2029, totaling $719 million [1][2]. Group 1: Notes Offering - The company intends to offer $500 million aggregate principal amount of senior notes in a private offering exempt from registration requirements [1]. - The offering is subject to market and other conditions, with no assurance of successful completion [3]. - The notes will not be registered under the Securities Act and will be offered only to qualified institutional buyers or non-U.S. persons [4]. Group 2: Use of Proceeds - The net proceeds from the notes offering, along with approximately $275 million in cash, will be used to fully redeem the outstanding 2029 Notes, including any make-whole premium [2]. Group 3: Company Overview - Bread Financial is a tech-forward financial services company providing personalized payment, lending, and saving solutions to U.S. consumers [6]. - The company offers general purpose credit cards and savings products, supporting recognized brands in various sectors through private label and co-brand credit cards [6].

Core Insights - Bread Financial Holdings, Inc. reported a performance update highlighting a net loss rate of 6.9% for the three months ended September 30, 2025, a decrease from 7.4% in the same period last year [1] - The delinquency rate improved to 6.0% as of September 30, 2025, down from 6.4% a year earlier [1] - The company experienced a year-over-year decline in average credit card and other loans, with a 2% decrease in the three months ended September 30, 2025, compared to the previous year [1] Financial Performance - End-of-period credit card and other loans stood at $17.655 billion as of September 30, 2025, unchanged from the previous year [1] - Average credit card and other loans were reported at $17.605 billion for the three months ended September 30, 2025, compared to $17.596 billion in the same period last year [1] - Net principal losses for the period were $101 million, a significant decrease from $328 million in the previous year [1] Delinquency and Loss Rates - The net loss rate for the company was recorded at 6.9% for the three months ended September 30, 2025, compared to 7.4% for the same period in 2024 [1] - The total amount of 30 days or more delinquencies in principal was $963 million as of September 30, 2025, down from $1.062 billion a year prior [1] - The delinquency rate reflects an improvement, indicating better credit performance and management [1]

Core Viewpoint - Bread Financial Holdings, Inc. announced its third quarter 2025 financial results, highlighting its position as a tech-forward financial services company that offers flexible payment, lending, and saving solutions [1]. Group 1: Financial Performance - The company has made its third quarter 2025 financial results available on its investor relations website [1]. - A conference call will be hosted by the President and CEO Ralph Andretta and CFO Perry Beberman to discuss the results [2]. Group 2: Company Overview - Bread Financial provides personalized payment, lending, and saving solutions to millions of U.S. consumers, including general purpose credit cards and savings products [3]. - The company supports growth for recognized brands in various sectors such as travel & entertainment, health & beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3].

Core Viewpoint - Bread Financial Holdings, Inc. has announced a quarterly cash dividend increase and a significant share repurchase authorization, reflecting strong financial health and commitment to shareholder value [1][2][3]. Dividend Announcement - The Board of Directors declared a quarterly cash dividend of $0.23 per share, which is a 10% increase from the previous dividend of $0.21 per share [1]. - The dividend is payable on December 12, 2025, to stockholders of record as of November 7, 2025 [1]. Share Repurchase Authorization - The company approved a $200 million increase to its existing share repurchase authorization, bringing the total available for repurchases to $340 million [2]. - There is no expiration date for the share repurchase authorization [2]. Financial Strength and Strategy - The company emphasizes its strong capital and cash flow generation, along with a robust balance sheet, which allows it to pursue capital and growth priorities simultaneously [3]. - This strategy aims to deliver additional value to shareholders through increased dividends and share repurchases [3].

Core Viewpoint - Bread Financial Holdings, Inc. will host a conference call on October 23, 2025, to discuss its third quarter 2025 results, highlighting its focus on personalized financial services [1]. Group 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 [3]. - The company provides general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [3]. - Bread Financial also supports growth for recognized brands in various sectors, including travel, health, beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3]. Group 2: Conference Call Details - The conference call will take place at 8:30 a.m. ET, and participants can register in advance through the company's investor relations website [2]. - Analysts wishing to participate in the Q&A session are encouraged to register beforehand, and a webcast will accompany the call, which will also be archived for later access [2].