Bread Financial publishes 2025 annual report, highlights $521 million net income

Reuters04-07

Bread Financial publishes 2025 annual report, highlights $521 million net income

Bread Financial released its 2025 annual report, highlighting progress on responsible growth, credit performance improvement, and tighter expense discipline.
Partner portfolio expanded through new signings and renewals across travel and entertainment, technology, and home, extending all top 10 programs into at least 2028.
Funding mix shifted further toward direct-to-consumer deposits, with Bread Savings deposits rising to USD 8.5 billion and representing 48% of 4Q25 total funding.
Capital actions included debt and preferred equity transactions, alongside USD 310 million of share repurchases and a 10% dividend increase to USD 0.23 per share.
Management set 2026 priorities around faster technology modernization, broader AI deployment, and efficiency initiatives, targeting a mid-20% return on tangible common equity over time.

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 April 07, 2026, and is solely responsible for the information contained therein.

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