Bread Financial Q2 FY26 net income rises 5% to $146 million; revenue increases 7% to $993 million

• Bread Financial posted 2Q26 net income of USD 146 million, up 5% year over year; diluted EPS rose 21% to USD 3.55.
• Revenue increased 7% to USD 993 million on loan growth, pricing changes, lower interest expense, higher interchange and merchant fees.
• Credit sales climbed 11% to USD 7.5 billion; end-of-period loans rose 5% to USD 18.5 billion, supported by new partners and higher general-purpose spending.
• Credit quality improved, with the delinquency rate down 48 basis points to 5.25% and the net loss rate down 90 basis points to 6.98%.
• Kept 2026 outlook for average loans and revenue at up low- to mid-single digits; net loss rate seen at 7.0% to 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.