Bread Financial Holdings, Inc. (BFH-PA) EBITDA Margin (2009 - 2026)
Bread Financial Holdings (BFH-PA) reported EBITDA Margin of 41.29% for Q2 2026, down 3.38 percentage points from 44.67% a year earlier and down 3.41 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH-PA) EBITDA Margin (2009 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Bread Financial Holdings' EBITDA Margin came in at 39.30%, up 2.89 percentage points year-over-year; for FY2025, it came in at 40.29%, up 3.00 percentage points from FY2024.
- EBITDA Margin has a five-year change of +7.77 percentage points (FY2020 to FY2025).
- By year, EBITDA Margin came in at 37.29% in FY2024 (-8.48 pp), 45.77% in FY2023 (+21.83 pp), 23.94% in FY2022 (-23.43 pp) and 47.37% in FY2021 (+14.85 pp).
- Five-year quarterly EBITDA Margin spans a low of 1.94% in Q4 2022 and a high of 69.05% in Q1 2023.
- Year over year, EBITDA Margin gained in two of the last eight quarters, with an average year-over-year change of -1.19 percentage points.
- The high point for year-over-year EBITDA Margin in five years was Q4 2023 (a gain of 25.62 percentage points); the low point was Q2 2022 (a drop of 50.28 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 44.70% (Q1 2026), 27.18% (Q4 2025) and 43.77% (Q3 2025).
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 41.69% |
| Mar 31, 2026 | 45.09% |
| Dec 31, 2025 | 27.59% |
| Sep 30, 2025 | 44.18% |
| Jun 30, 2025 | 45.10% |
| Mar 31, 2025 | 46.08% |
| Dec 31, 2024 | 24.86% |
| Sep 30, 2024 | 31.33% |
| Jun 30, 2024 | 47.82% |
| Mar 31, 2024 | 46.92% |
| Dec 31, 2023 | 28.15% |
| Sep 30, 2023 | 45.97% |
| Jun 30, 2023 | 34.87% |
| Mar 31, 2023 | 69.59% |
| Dec 31, 2022 | 2.52% |
| Sep 30, 2022 | 36.47% |
| Jun 30, 2022 | 16.46% |
| Mar 31, 2022 | 44.30% |
| Dec 31, 2021 | 26.52% |
| Sep 30, 2021 | 49.53% |
API Access
Bread Financial Holdings, Inc. EBITDA Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebitda-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-margin", "ticker": "BFH-PA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebitda-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();