Bread Financial Holdings Inc. reported its performance update for January 2026. The company’s end-of-period credit card and other loans totaled $18.39 billion, compared to $18.37 billion for the same period in 2025. Average credit card and other loans were $18.53 billion, unchanged from the previous year. Net principal losses decreased to $111 million from $123 million year-over-year, resulting in a net principal loss rate of 7.1%, down from 7.8% in January 2025. The delinquency rate as of January 31, 2026, was 5.9%, compared to 6.1% a year earlier. The amount of loans 30 days or more delinquent stood at $960 million, down from $1.03 billion at the end of January 2025. Period-ended credit card and other loans – principal were $16.40 billion, compared to $16.87 billion a year before.

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 via GlobeNewswire (Ref. ID: GNW9651374-en) on February 10, 2026, and is solely responsible for the information contained therein.