Bread Financial Holdings, Inc. Reports December 2025 Performance

By Chris Stiles • Thursday, January 29 12:52 • Permanent Link

Bread Financial Holdings, Inc. (NYSE: BFH) has released its performance update for December 2025, revealing key metrics for the month and the three months ended December 31, 2025, compared to the same periods in the previous year.

For the month ended December 31, 2025, the end-of-period credit card and other loans were reported at $18,805 million, consistent with the same period in 2024. However, the average credit card and other loans saw a slight decrease from $18,474 million in 2024 to $17,961 million in 2025, representing a 3% year-over-year change.

The net principal losses for the month ended December 31, 2025, were $116 million, a significant decrease from the $336 million reported for the same period in 2024. This resulted in a consistent net loss rate of 7.4% for both periods.

Looking at delinquency rates, as of December 31, 2025, 30 days + delinquencies on principal stood at $971 million, down from $1,034 million in 2024. Similarly, the period ended credit card and other loans on principal decreased from $17,418 million in 2024 to $16,886 million in 2025. The delinquency rate also improved, dropping from 5.9% in 2024 to 5.8% in 2025.

Bread Financial is a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers. The company's payment solutions, including general purpose credit cards and savings products, aim to empower customers in pursuing a better life. Additionally, Bread Financial delivers growth for various brands in travel & entertainment, health & beauty, jewelry, and specialty apparel through private label and co-brand credit cards and pay-over-time products.

As Bread Financial marks 30 years of success in 2026, the company continues to focus on its global associates, performance, and sustainability progress.

For further information, individuals can visit Bread Financial's website or follow them on social media platforms such as Instagram and LinkedIn. The market has reacted to these announcements by moving the company's shares 4.36% to a price of $73.73. Check out the company's full 8-K submission here.

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