Bread Financial July net principal loss rate falls to 6.8% from 7.63%

• Bread Financial posted a July 2026 net principal loss rate of 6.8%, down from 7.63% a year earlier.
• Net principal losses fell to $106 million from $114 million.
• Average credit card and other loans rose 4.9% year over year to $18.45 billion.
• End-of-period credit card and other loans increased to $18.54 billion from $17.59 billion.
• Delinquency rate improved to 5.35% at July 31, 2026 from 5.82% a year earlier.

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 August 17, 2026, and is solely responsible for the information contained therein.