金吾财讯 | 美国金融科技服务商 Bread Financial(BFH)发布 2026 年 5 月月度运营数据显示，截至 2026 年 5 月末，公司信用卡及其他贷款余额达 183.63 亿美元，较去年同期 177.02 亿美元增长 2.6%；月均贷款余额 181.69 亿美元，同比微增 2.6%，资产规模稳步扩张。信贷质量方面，5 月净本金损失 1.08 亿美元，对应净损失率 6.98%，较 2025 年 5 月的 7.97% 下降 99 个基点，风险管控成效明显。逾期指标同步优化，期末逾期 30 天以上贷款本金 8.53 亿美元，逾期率 5.24%，较去年同期 5.71% 回落 47 个基点，资产不良压力持续缓解。公司特别说明，2024 年 9-10 月飓风影响导致当时逾期还款冻结，曾对 2025 年二季度损失率形成短期扰动，本月数据已剔除相关非常规因素影响，更准确反映当前资产质量真实水平。据了解，Bread Financial 聚焦美国消费金融市场，主打支付、借贷与储蓄解决方案。
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