Bread Financial Provides Performance Update for August 2025
Bread Financial Holdings (NYSE: BFH) released its performance metrics for August 2025, showing improvements in key credit indicators. The company's net loss rate decreased to 7.6% from 7.8% year-over-year, while the delinquency rate improved to 5.8% from 6.2% in the same period.
The company's end-of-period credit card and other loans stood at $17.66 billion, slightly down from $17.94 billion in August 2024. Average credit card and other loans experienced a 1% year-over-year decline to $17.60 billion.
Bread Financial Holdings (NYSE: BFH) ha pubblicato i dati di agosto 2025, evidenziando miglioramenti negli indicatori creditizi chiave. Il tasso di perdita netta è sceso al 7,6% rispetto al 7,8% dell'anno precedente, mentre il tasso di morosità è migliorato al 5,8% rispetto al 6,2% nello stesso periodo.
Alla fine del periodo, i finanziamenti su carte di credito e altri prestiti ammontavano a $17,66 miliardi, leggermente inferiori ai $17,94 miliardi di agosto 2024. La media dei prestiti su carte di credito e altri crediti ha registrato un calo annuo dell'1%, attestandosi a $17,60 miliardi.
Bread Financial Holdings (NYSE: BFH) publicó sus métricas de desempeño de agosto de 2025, mostrando mejoras en indicadores crediticios clave. La tasa de pérdida neta disminuyó al 7,6% desde 7,8% interanual, mientras que la tasa de morosidad mejoró al 5,8% desde 6,2% en el mismo periodo.
Al cierre del periodo, los préstamos de tarjetas de crédito y otros sumaron $17,66 mil millones, ligeramente por debajo de los $17,94 mil millones de agosto de 2024. El promedio de préstamos de tarjetas y otros registró una caída interanual del 1%, hasta $17,60 mil millones.
Bread Financial Holdings (NYSE: BFH)는 2025년 8월 실적 지표를 발표하며 주요 신용 지표가 개선되었음을 보였습니다. 순손실률은 전년 동기 7.8%에서 7.6%로 하락했으며, 연체율은 같은 기간 6.2%에서 5.8%로 개선되었습니다.
기간 말 신용카드 및 기타 대출 잔액은 176.6억 달러($17.66 billion)로 2024년 8월의 179.4억 달러($17.94 billion)보다 소폭 감소했습니다. 신용카드 및 기타 대출 평균 잔액은 전년 대비 1% 감소한 $17.60 billion을 기록했습니다.
Bread Financial Holdings (NYSE: BFH) a publié ses indicateurs de performance pour août 2025, montrant des améliorations sur les principaux ratios de crédit. Le taux de perte nette est passé à 7,6% contre 7,8% sur un an, tandis que le taux de délinquance s'est amélioré à 5,8% contre 6,2% sur la même période.
À la fin de la période, les crédits carte et autres prêts s'élevaient à 17,66 milliards $, en léger retrait par rapport à 17,94 milliards $ en août 2024. La moyenne des crédits carte et autres a connu une baisse annuelle de 1% pour s'établir à 17,60 milliards $.
Bread Financial Holdings (NYSE: BFH) veröffentlichte seine Leistungskennzahlen für August 2025 und zeigte Verbesserungen bei wichtigen Kreditkennzahlen. Die Nettoverlustrate sank auf 7,6% von 7,8% im Vorjahresvergleich, während die Verzugsrate sich auf 5,8% gegenüber 6,2% im gleichen Zeitraum verbesserte.
Die Kreditkartenausstände und sonstigen Darlehen zum Periodenende beliefen sich auf $17,66 Milliarden, geringfügig weniger als $17,94 Milliarden im August 2024. Der durchschnittliche Bestand an Kreditkarten- und sonstigen Darlehen ging jahresübergreifend um 1% auf $17,60 Milliarden zurück.
- Delinquency rate improved to 5.8% from 6.2% year-over-year
- Net loss rate decreased to 7.6% from 7.8% year-over-year
- Net principal losses reduced to $113M from $118M in the previous year
- 1% year-over-year decline in average credit card and other loans
- Total end-of-period credit card and other loans decreased to $17.66B from $17.94B year-over-year
COLUMBUS, Ohio, Sept. 09, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicated:
| For the month ended August 31, 2025 | For the month ended August 31, 2024 | ||||||
| (dollars in millions) | |||||||
| End-of-period credit card and other loans | $ | 17,657 | $ | 17,936 | |||
| Average credit card and other loans | $ | 17,598 | $ | 17,760 | |||
| Year-over-year change in average credit card and other loans | (1 | %) | 1 | % | |||
| Net principal losses | $ | 113 | $ | 118 | |||
| Net loss rate | 7.6 | % | 7.8 | % | |||
| As of August 31, 2025 | As of August 31, 2024 | ||||||
| (dollars in millions) | |||||||
| 30 days + delinquencies – principal | $ | 934 | $ | 1,029 | |||
| Period ended credit card and other loans – principal | $ | 16,001 | $ | 16,493 | |||
| Delinquency rate | 5.8 | % | 6.2 | % | |||
About Bread Financial®
Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S consumers. Our payment solutions, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.
To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn.
Forward-Looking Statements
This release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified by the use of words such as “believe,” “expect,” “anticipate,” “estimate,” “intend,” “project,” “plan,” “likely,” “may,” “should” or other words or phrases of similar import. Similarly, statements that describe our business strategy, outlook, objectives, plans, intentions or goals also are forward-looking statements. Examples of forward-looking statements include, but are not limited to, statements we make regarding, and the guidance we give with respect to, our anticipated operating or financial results, future financial performance and outlook, future dividend declarations, and future economic conditions.
We believe that our expectations are based on reasonable assumptions. Forward-looking statements, however, are subject to a number of risks and uncertainties that are difficult to predict and, in many cases, beyond our control. Accordingly, our actual results could differ materially from the projections, anticipated results or other expectations expressed in this release, and no assurances can be given that our expectations will prove to have been correct. Factors that could cause the outcomes to differ materially include, but are not limited to, the following: macroeconomic conditions, including market conditions, inflation, interest rates, labor market conditions, recessionary pressures or concerns over a prolonged economic slowdown, and the related impact on consumer spending behavior, payments, debt levels, savings rates and other behaviors; global political and public health events and conditions, including significant shifts in trade policy, such as changes to, or the imposition of, tariffs and/or trade barriers and any economic impacts, volatility, uncertainty and geopolitical instability resulting therefrom, as well as ongoing wars and military conflicts and natural disasters; future credit performance, including the level of future delinquency and write-off rates; loss of, or reduction in demand for services from, significant brand partners or customers in the highly competitive markets in which we operate, including competition from new and non-traditional competitors, such as financial technology companies, and with respect to new products, services and technologies, such as the emergence or increase in popularity of agentic commerce, digital payment platforms and currencies and other alternative payment and deposit solutions; the concentration of our business in U.S. consumer credit; inaccuracies in the models and estimates on which we rely, including the amount of our Allowance for credit losses and our credit risk management models; the inability to realize the intended benefits of acquisitions, dispositions and other strategic initiatives; our level of indebtedness and ability to access financial or capital markets; pending and future federal and state legislation, regulation, supervisory guidance, and regulatory and legal actions, including, but not limited to, those related to financial regulatory reform and consumer financial services practices, as well as any such actions with respect to late fees, interchange fees or other charges; impacts arising from or relating to the transition of our credit card processing services to third party service providers that we completed in 2022; failures or breaches in our operational or security systems, including as a result of cyberattacks, unanticipated impacts from technology modernization projects or otherwise; and any tax or other liability or adverse impacts arising out of or related to the spinoff of our former LoyaltyOne segment or the bankruptcy filings of Loyalty Ventures Inc. (LVI) and certain of its subsidiaries and subsequent litigation or other disputes. The foregoing factors, along with other risks and uncertainties that could cause actual results to differ materially from those expressed or implied in forward-looking statements, are described in greater detail under the headings “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in our Annual Report on Form 10-K for the most recently ended fiscal year, which may be updated in Item 1A of, or elsewhere in, our Quarterly Reports on Form 10-Q filed for periods subsequent to such Form 10-K. Our forward-looking statements speak only as of the date made, and we undertake no obligation, other than as required by applicable law, to update or revise any forward-looking statements, whether as a result of new information, subsequent events, anticipated or unanticipated circumstances or otherwise.
Contacts
Brian Vereb — Investor Relations
Brian.Vereb@breadfinancial.com
Susan Haugen — Investor Relations
Susan.Haugen@breadfinancial.com
Rachel Stultz — Media
Rachel.Stultz@breadfinancial.com
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