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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 - 2025)

Bread Financial Holdings has reported EBT Margin over the past 17 years, most recently at 4.82% for Q4 2025.

  • Quarterly results put EBT Margin at 4.82% for Q4 2025, up 774.0% from a year ago — trailing twelve months through Dec 2025 was 15.97% (up 604.0% YoY), and the annual figure for FY2025 was 15.99%, up 607.0%.
  • EBT Margin for Q4 2025 was 4.82% at Bread Financial Holdings, down from 20.19% in the prior quarter.
  • Over the last five years, EBT Margin for BFH-PA hit a ceiling of 49.5% in Q1 2023 and a floor of 20.14% in Q4 2022.
  • Median EBT Margin over the past 5 years was 19.07% (2024), compared with a mean of 17.46%.
  • Biggest five-year swings in EBT Margin: soared 4392bps in 2021 and later tumbled -4454bps in 2022.
  • Bread Financial Holdings' EBT Margin stood at 7.48% in 2021, then tumbled by -369bps to 20.14% in 2022, then skyrocketed by 109bps to 1.77% in 2023, then tumbled by -265bps to 2.92% in 2024, then soared by 265bps to 4.82% in 2025.
  • The last three reported values for EBT Margin were 4.82% (Q4 2025), 20.19% (Q3 2025), and 18.73% (Q2 2025) per Business Quant data.