BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JULY 2026 (Form 8-K)

BREAD FINANCIAL PROVIDES

PERFORMANCE UPDATE FOR JULY 2026

COLUMBUS, Ohio, August 17, 2026 - Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's Net principal loss rate and Delinquency rate for the periods indicated:

			For the month ended July 31, 2026						For the month ended July 31, 2025
			(dollars in millions)
End-of-period credit card and other loans			$	18,543					$	17,594
Average credit card and other loans			$	18,449					$	17,585
Year-over-year change in average credit card and other loans			4.9		%				-		%
Net principal losses			$	106					$	114
Net principal loss rate			6.80		%				7.63		%

			As of July 31, 2026						As of July 31, 2025
			(dollars in millions)
30 days + delinquencies - principal			$	876					$	931
Period ended credit card and other loans - principal			$	16,378					$	15,983
Delinquency rate			5.35		%				5.82		%

About Bread Financial®

Bread Financial®(NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel and entertainment, specialty apparel, health and beauty, jewelry, sporting goods, technology and electronics, as well as home and furniture through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.