Bread Financial reports 6.88% net loss rate, 5.25% delinquency in June credit update

Filed July 23, 2026 · Period ending July 23, 2026 · ~1 min read

Key Changes

• high

  Net principal loss rate of 6.88% for June 2026, with $104M in monthly charge-offs on an $18.4B loan portfolio—credit losses remain elevated in the consumer finance sector.

  Exhibit 99.1 view on EDGAR →
• high

  Delinquency rate improved to 5.25% from 5.73% year-over-year, with delinquent principal declining to $859M from $922M—signals moderating credit stress versus prior year.

  Exhibit 99.1 view on EDGAR →
• medium

  Average credit card and other loans grew 4.1% year-over-year to $18.4B, reflecting modest portfolio expansion amid the credit environment.

  Exhibit 99.1 view on EDGAR →