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AI brief of an SEC Form 8-K · Bread Financial Holdings (BFH)

Bread Financial: Delinquency rate falls to 5.57% as September loans grow 6.4%

Positive Impact 3 of 5 other

Bread Financial reported September 2026 credit metrics, including a delinquency rate of 5.57%, down from 6.04% a year earlier. Average credit card and other loans rose 6.4% year over year for the month, to $18.74 billion. The release does not include revenue, earnings or guidance, and the filing gives no prior-year comparison for net principal loss rates.

Key points

  • Delinquency rate was 5.57% as of September 30, 2026, versus 6.04% as of September 30, 2025.
  • Net principal loss rate was 5.99% for September 2026 and 6.40% for the three months ended September 30, 2026.
  • Average credit card and other loans rose 6.4% year over year for September to $18.74 billion; end-of-period loans were $18.85 billion.

The filing

CompanyBread Financial Holdings (BFH)
Form8-K, current report
Filed with the SECOct 22, 2026, 6:56 AM ET
Accession number0001101215-26-000088

Items reported: 7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 7, 2026, 11:17 PM ET, from this filing only.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.