1. BFH reported a net loss rate of 7.4%, down from 8.0%. 2. Delinquency rate decreased to 6.0% from 6.2% year-over-year. 3. BFH's average credit loans showed a slight decline of 1%. 4. Moody's recent hurricane actions contributed to lower net losses. 5. Forward-looking statements indicate potential risks and uncertainties ahead.
FAQ
Why Bullish?
The decrease in net loss and delinquency rates reflects improved credit metrics, positively influencing investor sentiment. Historical decreases in such rates have often correlated with stock price increases.
How important is it?
The article's focus on significant performance improvements highlights crucial financial metrics, directly impacting BFH's valuation and market perception.
Why Short Term?
Immediate reactions to improved metrics will likely drive short-term investor interest, as market dynamics often reward positive performance updates quickly.
Bread Financial Updates Performance Metrics for November 2025
COLUMBUS, Ohio, Dec. 10, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a technology-driven financial services provider, has released a performance update for November 2025. This review highlights key metrics including net loss rates and delinquency rates, illustrating the company's ongoing commitment to delivering personalized financial solutions.
Key Financial Metrics
For the month ending November 30, 2025, Bread Financial reported the following performance metrics compared to the same month in 2024:
| Metrics | November 30, 2025 | November 30, 2024 |
|---|---|---|
| End-of-period credit card and other loans (in millions) | $18,094 | $18,143 |
| Average credit card and other loans (in millions) | $17,776 | $17,947 |
| Year-over-year change in average loans | (1%) | (1%) |
| Net principal losses (in millions) | $109 | $118 |
| Net loss rate | 7.4% | 8.0% |
As of November 30, 2025, the delinquency metrics for Bread Financial are equally telling:
- 30 days + delinquencies – principal: $967 million vs. $1,032 million in 2024.
- Period ended credit card and other loans – principal: $16,251 million vs. $16,695 million in 2024.
- Delinquency rate: 6.0% vs. 6.2% in 2024.
Note: The reductions in net principal losses and net loss rate were influenced by the decision to freeze delinquency progression for cardholders in Federal Emergency Management Agency (FEMA) designated impact zones due to hurricanes Helene and Milton in late 2024.
About Bread Financial
Bread Financial Holdings, Inc. (NYSE: BFH) focuses on providing straightforward, personalized financial solutions that include payments, lending, and savings products. The company enhances customer experiences through its general-purpose credit cards and savings offerings. Furthermore, Bread Financial collaborates with prominent brands across various industries, including travel, health, beauty, and specialty apparel, through tailored credit card solutions.
Forward-Looking Statements
This press release contains forward-looking statements regarding Bread Financial's expectations for future performance. These statements may include guidance on anticipated financial results and are subject to a range of uncertainties and risks. Factors that could affect actual results include:
- Macroeconomic conditions affecting consumer behavior.
- Changes in competition from both traditional and non-traditional financial services providers.
- Regulatory challenges and changes in financial legislation.
For further detail on these risks, please refer to the company’s Annual Report on Form 10-K and subsequent filings. Bread Financial urges investors to consider these factors when analyzing forward-looking statements.