Bread Financial Holdings Reports Improved Credit Metrics

By Chris Stiles • Wednesday, March 11 13:53 • Permanent Link

Bread Financial Holdings, Inc. (NYSE: BFH) has provided a performance update for February 2026, highlighting key metrics related to its credit card and other loans. A comparison of February 28, 2026, with the same period in 2025 reveals the following changes:

End-of-period credit card and other loans: $18,081 million in 2026 compared to $17,949 million in 2025
Average credit card and other loans: $18,275 million in 2026 compared to $18,141 million in 2025, showing a 1% increase from the previous year
Net principal losses: $108 million in 2026 compared to $120 million in 2025
Net principal loss rate: 7.7% in 2026 compared to 8.6% in 2025, indicating an improvement year over year
30 days + delinquencies – principal: $939 million in 2026 compared to $1,027 million in 2025
Period ended credit card and other loans – principal: $16,091 million in 2026 compared to $16,506 million in 2025
Delinquency rate: 5.8% in 2026 compared to 6.2% in 2025, demonstrating a decrease from the previous year

These metrics provide insight into the company's performance in managing credit card and other loans, showcasing improvements in net principal loss rate and delinquency rate compared to the previous year. As Bread Financial marks 30 years of success in 2026, these performance updates offer a glimpse into its financial standing and management of consumer credit. Following these announcements, the company's shares moved 4.36%, and are now trading at a price of $73.73. Check out the company's full 8-K submission here.

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