BFH BREAD FINANCIAL HOLDINGS, INC.
BEARISH
Impact: 5/10
8-K
8-K context-dependent: Items 7.01
Latest settled — T+20d ⚠ clustered
BFH-PA ▲ +0.76% at T+20d
SHORT call ✗ call lost -0.76% · α vs SPY +3.88% · entry $25.06 → $25.25
Currently $101.71 · -305.87% from $25.06 entry (call sign-flipped)
T+1d
+0.36%
call -0.36% · α +0.43%
$25.15
settled 7w ago
T+5d
+0.36%
call -0.36% · α +1.12%
$25.15
settled 6w ago
T+20d
+0.76%
call -0.76% · α +3.88%
$25.25
settled 23d ago
T+60d
—
call — · α —
—
in 5w
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%.
Actionable Insight
Monitor upcoming earnings for confirmation of credit quality trends, as elevated loss rates could pressure future profitability despite stable loan growth.
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
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 |
13 reports for BFH
Track record builds as more directional reports settle.
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
|
May 20, 2026
24d ago
|
Press Release
| $87.46 $88.23 | ▲ +0.88% | ▼ −0.92% | $101.71 (+16.29%) |
|
May 15, 2026
29d ago
|
8-K
| $24.70 $24.62 | ▼ −0.34% | ▼ −1.30% | $101.71 (+311.80%) |
|
May 12, 2026
4w ago
|
8-K
| $25.19 $25.10 | ▼ −0.36% | ▼ −0.43% | $101.71 (+303.77%) |
|
May 6, 2026
5w ago
|
Press Release
| $88.30 $84.63 | ▼ −4.16% | ▼ −5.29% | $101.71 (+15.19%) |
|
May 5, 2026
5w ago
|
8-K
| $24.98 $25.18 | ▲ +0.80% | ▼ −1.18% | $101.71 (+307.17%) |
|
May 5, 2026
5w ago
|
Press Release
| $85.09 $84.93 | ▼ −0.19% | ▼ −2.17% | $101.71 (+19.53%) |
|
Apr 23, 2026
7w ago
|
8-K
| $25.06 $25.15 | ▼ −0.36% | ▲ +1.12% | $101.71 (−305.87%) |
|
Apr 23, 2026
7w ago
|
8-K
| $25.06 $25.15 | ▲ +0.36% | ▼ −1.12% | $101.71 (+305.87%) |
|
Apr 23, 2026
7w ago
|
Press Release
| $92.12 $85.42 | ▲ +7.27% | ▲ +8.75% | $101.71 (−10.41%) |
|
Apr 23, 2026
7w ago
|
Press Release
| $92.12 $85.42 | ▼ −7.27% | ▼ −8.75% | $101.71 (+10.41%) |
Showing 10 of 13
US Market Status
Market Closed — Opens Mon (47h 7m)
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