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Bread Financial shares fell as much as 3% in afternoon trading after the company reported a third-quarter 2026 net interest margin of 18.9%, below the 19.1% analysts expected. The stock later recovered some losses and traded at $99.81, down 2.6%. Revenue was $1.02 billion, in line with forecasts, and adjusted earnings were $3.84 a share. Loans grew 7% to $18.9 billion, credit sales rose 9% to $7.4 billion, and the net loss rate improved to 6.40% from 7.39%. Consumer deposits rose 21% to $9.9 billion. Investors are focused on the outlook. Management expects the fourth-quarter margin to compress modestly, and chief executive officer Ralph Andretta expects a flat to slightly lower margin in 2027 as new accounts shift to lower-rate products. The company sharpened full-year guidance to about 4% average loan growth and about 5% revenue growth.

Bread Financial projects 4% average loan growth for 2026. The lender also forecasts revenue growth of about 5% and a full-year net loss rate below 7%. Published Oct 23, 2026, 12:00 AM EDT Bread Financial Holdings Inc. expects average loans to grow about 4% in 2026 and revenue to rise about 5% from full-year 2025, alongside a lower outlook for its annual net loss rate. The company said Thursday it expects the 2026 net loss rate to come in below 7%. That marks its second consecutive quarterly improvement to the forecast. In July, Bread Financial projected a rate of 7.0% to 7.1%. Credit card and other loans totaled $18.9 billion at Sept. 30, up 7% from a year earlier. Average loans during the third quarter were $18.6 billion, up 6%. The quarter-end figure is a balance on one date; the average covers the quarter. The third-quarter net loss rate was 6.40%, down 99 basis points year over year, and the delinquency rate fell 47 basis points to 5.57%. Revenue rose 5% to $1.017 billion, while net income fell 17% to $156 million. The year-earlier quarter included a $38 million favorable tax item. Bread Financial's quarterly results include additional earnings details. John Kim. John Kim reports on the digital-asset business for TokenPost. Send corrections or tips to [email protected].