Bread Financial Reports 7.4% Net Loss Rate and 5.8% Delinquency Rate for December 2025

Reuters01-29

Bread Financial Reports 7.4% Net Loss Rate and 5.8% Delinquency Rate for December 2025

Bread Financial Holdings Inc. reported its performance update for December 2025. The company’s end-of-period credit card and other loans totaled $18.8 billion as of December 31, 2025. The average credit card and other loans for the three months ended December 31, 2025, were $17.96 billion, representing a 1% decrease year-over-year. Net principal losses for the three-month period were $336 million, resulting in a net loss rate of 7.4%, unchanged from the previous year. As of December 31, 2025, 30 days or more delinquent principal amounted to $971 million, compared to $1.03 billion as of December 31, 2024. The delinquency rate was 5.8%, slightly down from 5.9% the previous year. The period-end principal for credit card and other loans stood at $16.89 billion, compared to $17.42 billion as of December 31, 2024.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Bread Financial Holdings Inc. published the original content used to generate this news brief on January 29, 2026, and is solely responsible for the information contained therein.

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The company’s end-of-period credit card and other loans totaled $18.8 billion as of December 31, 2025. The average credit card and other loans for the three months ended December 31, 2025, were $17.96 billion, representing a 1% decrease year-over-year. Net principal losses for the three-month period were $336 million, resulting in a net loss rate of 7.4%, unchanged from the previous year. As of December 31, 2025, 30 days or more delinquent principal amounted to $971 million, compared to $1.03 billion as of December 31, 2024. The delinquency rate was 5.8%, slightly down from 5.9% the previous year. The period-end principal for credit card and other loans stood at $16.89 billion, compared to $17.42 billion as of December 31, 2024.\n      </p>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. 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The company’s end-of-period credit card and other loans totaled $18.8 billion as of December 31, 2025. The average credit card and other loans for the three months ended December 31, 2025, were $17.96 billion, representing a 1% decrease year-over-year. Net principal losses for the three-month period were $336 million, resulting in a net loss rate of 7.4%, unchanged from the previous year. As of December 31, 2025, 30 days or more delinquent principal amounted to $971 million, compared to $1.03 billion as of December 31, 2024. The delinquency rate was 5.8%, slightly down from 5.9% the previous year. The period-end principal for credit card and other loans stood at $16.89 billion, compared to $17.42 billion as of December 31, 2024.\n      </p>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. 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Net principal losses for the three-month period were $336 million, resulting in a net loss rate of 7.4%, unchanged from the previous year. As of December 31, 2025, 30 days or more delinquent principal amounted to $971 million, compared to $1.03 billion as of December 31, 2024. The delinquency rate was 5.8%, slightly down from 5.9% the previous year. The period-end principal for credit card and other loans stood at $16.89 billion, compared to $17.42 billion as of December 31, 2024.\n      \n\n\nDisclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. 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