• Bread Financial posted 2Q26 net income of $146 million, up 5% year-over-year, with diluted EPS rising 21% to $3.55.
• Revenue climbed 7% to $993 million, driven by loan growth, pricing changes, lower interest expense, higher interchange and merchant fees.
• Credit sales rose 11% to $7.5 billion; end-of-period loans increased 5% to $18.5 billion.
• Credit quality improved, with the delinquency rate falling 48 basis points to 5.25% and the net loss rate dropping 90 basis points to 6.98%.
• Raised 2026 outlook, projecting low- to mid-single-digit growth in average loans and revenue, with net loss rate guidance tightened to 7.0%-7.1%.

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 July 23, 2026, and is solely responsible for the information contained therein.