8-K ·Filed Apr 23, 2026
8-K context-dependent: Items 7.01
Actionable Insight ▼ Bearish
Monitor upcoming earnings for confirmation of credit quality trends, as elevated loss rates could pressure future profitability despite stable loan growth.
Final — all horizons settled through T+60d ⚠ clustered
BFH-PA ▼ -0.15% at T+60d
SHORT call ✓ call won +0.15% · α vs SPY +5.17% · entry $25.06 → $25.02
T+1d
+0.36%
call -0.36% · α +0.43%
$25.15
settled 6mo ago
T+5d
+0.36%
call -0.36% · α +1.12%
$25.15
settled 6mo ago
T+20d
+0.76%
call -0.76% · α +3.88%
$25.25
settled 5mo ago
T+60d
-0.15%
call +0.15% · α +5.17%
$25.02
settled 3mo ago
Price Chart
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Executive Summary
Bread Financial Holdings provided a performance update for March 2026, reporting a net principal loss rate of 7.23% for the month and 7.33% for the quarter, with delinquency rates declining year-over-year to 5.59%.
Key Facts
- Net principal loss rate was 7.23% for March 2026 and 7.33% for the quarter
- Delinquency rate was 5.59% as of March 31, 2026, down from 5.93% a year ago
- Average credit card and other loans grew 0.7% year-over-year for the quarter
- End-of-period credit card and other loans were $18.135 billion
Financial Impact
Net principal losses of $331 million for the quarter, with a net principal loss rate of 7.33%
net principal loss ratedelinquency rateloan portfolio size
Risk Factors
- Elevated net principal loss rates could impact profitability
- Consumer credit performance remains sensitive to macroeconomic conditions
Market Snapshot
Exchange
NYSE
Sector
Personal Credit Institutions
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001101215-26-000037 |
| Document: bfh-20260423.htm | 0001101215-26-000037 |
| Document: 0001101215-26-000037-index-headers.html | 0001101215-26-000037 |
| Document: 0001101215-26-000037-index.html | 0001101215-26-000037 |
| Document: 0001101215-26-000037.txt | 0001101215-26-000037 |
25 reports for BFH
80% Hit rate @ T+5 Went positive at some point 4 of 6 best @ T+5▲ +7.27%
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 424B5 | $101.09 | awaiting T+5 | — | $102.61 (+1.50%) |
Oct 27, 2026 today | 8-K | $102.70 | awaiting T+5 | — | $102.61 (−0.09%) |
Oct 27, 2026 today | Press Release | $101.89 | awaiting T+5 | — | $102.61 (−0.71%) |
Oct 22, 2026 5d ago | 8-K | $102.45 | awaiting T+5 | — | $102.61 (+0.16%) |
Oct 22, 2026 5d ago | 8-K | $102.45 | awaiting T+5 | — | $102.61 (+0.16%) |
Oct 6, 2026 21d ago | Press Release | $97.80 | awaiting T+5 | — | $102.61 (+4.92%) |
Sep 15, 2026 6w ago | 8-K | $107.65 $108.53 | ▲ +0.82% | · 0.00% | $102.61 (−4.68%) |
Aug 17, 2026 10w ago | 8-K | $111.25 $105.19 | ▼ −5.45% | ▼ −4.26% | $102.61 (−7.77%) |
Aug 14, 2026 10w ago | Institutional Cluster | $111.25 $105.19 | ▼ −5.45% | ▼ −4.26% | $102.61 (−7.77%) |
Jul 23, 2026 13w ago | 8-K | $103.58 $110.62 | ▲ +6.80% | ▲ +6.32% | $102.61 (−0.94%) |
Showing 10 of 25
US Market Status
Market Closed — Opens Wed (< 1m)
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