Bread Financial Holdings Reports Improved Net Loss and Delinquency Rates

By Philip Seaworth • Friday, August 15 15:40 • Permanent Link

Bread Financial Holdings, Inc. (NYSE: BFH) has provided a performance update for July 2025, reporting on its net loss rate and delinquency rate for the month ended July 31, 2025, and comparing these metrics to the same period in 2024.

For the month ended July 31, 2025, the end-of-period credit card and other loans stood at $17,594 million, slightly lower than the $17,659 million reported for the same period in 2024. The average credit card and other loans for July 2025 were $17,585 million, also slightly lower than the $17,588 million in July 2024.

The net principal losses for July 2025 were $114 million, showing an improvement from the $120 million reported in July 2024. The net loss rate for July 2025 was 7.6%, down from 8.0% in July 2024, indicating a positive change year-over-year.

In terms of delinquency rates, as of July 31, 2025, the 30 days + delinquencies – principal were reported at $931 million, lower than the $1,004 million reported for the same period in 2024. The period ended credit card and other loans – principal were $15,983 million for July 2025, down from $16,228 million in July 2024. The delinquency rate for July 2025 was 5.8%, showing improvement from the 6.2% reported in July 2024.

These metrics indicate a positive trend for Bread Financial's credit performance, with decreases in net loss rate and delinquency rate compared to the same period in 2024. Following these announcements, the company's shares moved -2.96%, and are now trading at a price of $59.63. If you want to know more, read the company's complete 8-K report here.

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