Bread Financial Q3 net income falls 17% year-over-year to $156 million

• Bread Financial’s third-quarter 2026 net income fell 17% year-over-year to $156 million.
• Revenue rose 5% year-over-year to $1.02 billion, while average loans increased 6% to $18.6 billion.
• Quarter-end consumer deposits climbed 21% year-over-year to $9.9 billion.
• The quarterly common stock dividend increased 9% from the prior quarter to $0.25 per share.
• The third-quarter net loss rate improved to 6.4%; full-year 2026 guidance was lowered to below 7%.

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 October 22, 2026, and is solely responsible for the information contained therein.