Bread Financial Holdings, Inc. (BFH-PA) EBT Margin (2009 - 2026)
Bread Financial Holdings' EBT Margin came in at 19.84% for Q2 2026, up 1.11 percentage points from 18.73% a year earlier but down 4.03 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH-PA) EBT Margin (2009 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Bread Financial Holdings reported EBT Margin of 17.26%, up 7.17 percentage points year-over-year; for FY2025, it came in at 15.99%, up 6.07 percentage points from FY2024.
- EBT Margin carries a five-year change of +6.87 percentage points (FY2020 to FY2025).
- Going back by year, EBT Margin was 9.93% in FY2024 (-12.64 pp), 22.57% in FY2023 (+14.73 pp), 7.84% in FY2022 (-24.07 pp) and 31.91% in FY2021 (+22.78 pp).
- The five-year range for quarterly EBT Margin is -20.14% (Q4 2022) to 49.50% (Q1 2023).
- Year-over-year, EBT Margin has increased for four consecutive quarters, with an average year-over-year change of +0.87 percentage points over the last eight quarters.
- The fastest year-over-year change in EBT Margin over five years came in Q4 2023 (a gain of 21.91 percentage points), and the weakest in Q2 2022 (a drop of 44.54 percentage points).
- Business Quant data shows BFH-PA's EBT Margin at 23.87% (Q1 2026), 4.82% (Q4 2025) and 20.19% (Q3 2025) in the three quarters before Q2 2026.
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 19.84% |
| Mar 31, 2026 | 23.87% |
| Dec 31, 2025 | 4.82% |
| Sep 30, 2025 | 20.19% |
| Jun 30, 2025 | 18.73% |
| Mar 31, 2025 | 20.31% |
| Dec 31, 2024 | -2.92% |
| Sep 30, 2024 | 4.07% |
| Jun 30, 2024 | 19.17% |
| Mar 31, 2024 | 18.97% |
| Dec 31, 2023 | 1.77% |
| Sep 30, 2023 | 21.82% |
| Jun 30, 2023 | 9.03% |
| Mar 31, 2023 | 49.50% |
| Dec 31, 2022 | -20.14% |
| Sep 30, 2022 | 19.31% |
| Jun 30, 2022 | 1.79% |
| Mar 31, 2022 | 32.79% |
| Dec 31, 2021 | 7.48% |
| Sep 30, 2021 | 30.43% |
API Access
Bread Financial Holdings, Inc. EBT 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=ebt-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-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=ebt-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();