Core Insights - Bread Financial Holdings, Inc. reported a performance update highlighting improvements in key financial metrics, including a decrease in net principal losses and delinquency rates compared to the previous year [1] Financial Performance - As of February 28, 2026, the end-of-period credit card and other loans stood at $18,081 million, a slight increase from $17,949 million in 2025, reflecting a year-over-year change of 1% [1] - The average credit card and other loans also increased to $18,275 million from $18,141 million, indicating a positive trend in lending activity [1] - Net principal losses decreased to $108 million from $120 million, resulting in a net principal loss rate of 7.7%, down from 8.6% in the previous year [1] - The delinquency rate improved to 5.8% from 6.2%, with 30 days or more delinquencies on principal amounting to $939 million, down from $1,027 million [1] Company Overview - Bread Financial is characterized as a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [2] - The company provides various payment solutions, including general-purpose credit cards and savings products, aimed at enhancing customer experiences and supporting their financial needs [2] - Celebrating 30 years of success in 2026, Bread Financial emphasizes its commitment to growth and sustainability [3]

Core Viewpoint - Bread Financial Holdings, Inc. is actively participating in the RBC 2026 Financial Institutions Conference, highlighting its commitment to engaging with investors and stakeholders in the financial services sector [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 various payment solutions, including general purpose credit cards and savings products, aimed at empowering customers and enhancing their lifestyles [3]. - Bread Financial has been successful for 30 years as of 2026, indicating a strong track record in the financial services industry [4]. Event Participation - The company’s EVP and Chief Financial Officer, Perry Beberman, will participate in a fireside chat at the RBC conference on March 11, 2026, at 2:00 p.m. ET, which will be broadcast live [1]. - The fireside chat will also be accessible through the company's investor relations website, with a replay available for 90 days post-event [2].

Core Viewpoint - Bread Financial Holdings, Inc. has announced a $600 million increase to its existing share repurchase authorization, bringing the total to $765 million, which reflects the company's commitment to returning value to shareholders [1][2]. Share Repurchase Authorization - The company had $240 million remaining on its share repurchase authorization as of December 31, 2025, and has repurchased an additional $75 million in 2026, leaving $165 million available before the recent announcement [1]. - The new total of $765 million for share repurchase authorization has no expiration date [1]. Management Commentary - Ralph Andretta, the president and CEO of Bread Financial, emphasized the company's ability to execute its capital and growth priorities while providing significant value to shareholders [2]. Operational Flexibility - Any share repurchase decisions will depend on market conditions and other factors, including legal and regulatory restrictions, and the company is not obligated to acquire a specific number of shares [3].

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]

Core Viewpoint - Bread Financial Holdings, Inc. is actively participating in the UBS Financial Services Conference, highlighting its commitment to engaging with investors and stakeholders in the financial services sector [1]. Company Participation - The company will have its Executive Vice President and Chief Financial Officer, Perry Beberman, participate in a fireside chat scheduled for February 11 at 12:10 p.m. ET, which will be broadcast live [1]. - The fireside chat will also be accessible through the company's investor relations website, with a replay available for 90 days post-event [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 various payment solutions, including general-purpose credit cards and savings products, aimed at empowering customers and enhancing their lifestyles [3]. - Additionally, Bread Financial supports growth for well-known brands in sectors such as travel, entertainment, health, beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3]. Company Milestone - In 2026, Bread Financial celebrates 30 years of success, reflecting its long-standing presence and performance in the financial services industry [4].

Core Viewpoint - Bread Financial Holdings, Inc. is actively participating in the Bank of America 2026 Financial Services Conference, highlighting its commitment to engaging with investors and stakeholders in the financial services sector [1][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 various payment solutions, including general purpose credit cards and savings products, aimed at empowering customers and enhancing their quality of life [3]. - Bread Financial also supports growth for well-known brands in sectors such as travel & entertainment, health & beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3]. Event Participation - The company's President and CEO, Ralph Andretta, along with EVP and CFO, Perry Beberman, will participate in a fireside chat at the conference scheduled for February 10, 2026, at 3:30 p.m. ET [2]. - The event will be broadcast live and will also be accessible through Bread Financial's investor relations website, with a replay available for 90 days post-event [2]. Company Milestone - Bread Financial is celebrating 30 years of success in 2026, marking a significant milestone in its operational history [4].

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]

Core Viewpoint - Bread Financial Holdings, Inc. announced its fourth quarter and full year 2025 financial results, highlighting its position as a tech-forward financial services company providing flexible payment, lending, and saving solutions [1]. Group 1: Financial Performance - The company released its financial results for the fourth quarter and full year 2025, with all earnings-related materials 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 is recognized for offering 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 well-known brands in various sectors such as travel & entertainment, health & beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3]. - Bread Financial is celebrating 30 years of success in 2026, emphasizing its commitment to performance and sustainability [4].

Core Viewpoint - Bread Financial Holdings, Inc. has declared quarterly dividends for both its preferred and common stock for the first quarter of 2026, reflecting its ongoing commitment to returning value to shareholders [1]. Dividend Announcements - The Board declared a quarterly cash dividend of $26.35 per share on its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, payable on March 16, 2026, to stockholders of record as of February 27, 2026 [2]. - A quarterly cash dividend of $0.23 per share was declared on the common stock, also payable on March 16, 2026, to common stockholders of record at the close of business on February 27, 2026 [3]. Company Overview - Bread Financial is a tech-forward financial services company that offers simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, enhancing customer experiences and supporting various brands in multiple sectors [4]. - The company is celebrating 30 years of success in 2026, indicating a long-standing presence and experience in the financial services industry [5].

Core Viewpoint - Bread Financial Holdings, Inc. will host a conference call on January 29, 2026, to discuss its fourth quarter and full year 2025 results [1]. Group 1: Conference Call Details - The conference call is scheduled for 8:30 a.m. ET on January 29, 2026 [1]. - Participants can register in advance and the call will be available on the company's investor relations website [2]. - Analysts wishing to participate in the Q&A must also register in advance [2]. Group 2: Company Overview - Bread Financial is a tech-forward financial services company providing personalized payment, lending, and saving solutions to millions of U.S. consumers [3]. - The company offers general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [3]. - Bread Financial collaborates with recognized brands in various sectors, including travel, health, and specialty apparel, through private label and co-brand credit cards [3]. Group 3: Company Milestone - Bread Financial celebrates 30 years of success in 2026 [4].