Balance Sheet
Cash Flow Statement
Growth Metrics
Income Statement
Others
Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Bread Financial Holdings (BFH-PA) EBT Margin (2016 - 2026)

Bread Financial Holdings filings provide 18 years of EBT Margin readings, the most recent being 23.87% for Q1 2026.

  • For the quarter ending Q1 2026, EBT Margin rose 356.0% year-over-year to 23.87%, compared with a TTM value of 16.95% through Mar 2026, up 674.0%, and an annual FY2025 reading of 15.99%, up 607.0% over the prior year.
  • EBT Margin hit 23.87% in Q1 2026 for Bread Financial Holdings, up from 4.82% in the prior quarter.
  • The five-year high for EBT Margin was 49.5% in Q1 2023, with the low at 20.14% in Q4 2022.
  • Median EBT Margin over the past 5 years was 18.97% (2024), compared with a mean of 14.3%.
  • The sharpest move saw EBT Margin plummeted -4454bps in 2022, then soared 2191bps in 2023.
  • Year by year, EBT Margin stood at 20.14% in 2022, then surged by 109bps to 1.77% in 2023, then crashed by -265bps to 2.92% in 2024, then skyrocketed by 265bps to 4.82% in 2025, then surged by 395bps to 23.87% in 2026.
  • According to Business Quant data, EBT Margin over the past three periods came in at 23.87%, 4.82%, and 20.19% for Q1 2026, Q4 2025, and Q3 2025 respectively.