Bread Financial Holdings, Inc. (BFH-PA) FCF Margin (2009 - 2026)
Bread Financial Holdings (BFH-PA) recorded FCF Margin of 53.68% in Q2 2026, down 2.94 percentage points from 56.62% a year earlier but up 5.84 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH-PA) FCF Margin (2009 - 2026) Analysis & Trends
On a TTM basis, Bread Financial Holdings' FCF Margin came in at 55.42% as of Jun 30, 2026, up 6.72 percentage points year-over-year; for FY2025, it came in at 54.41%, up 5.97 percentage points from FY2024.
- Annual FCF Margin has a five-year change of -1.05 percentage points (FY2020 to FY2025).
- Across earlier years, FCF Margin came in at 48.44% in FY2024 (+2.11 pp), 46.33% in FY2023 (-0.20 pp), 46.52% in FY2022 (+1.93 pp) and 44.59% in FY2021 (-10.87 pp).
- Quarterly FCF Margin has ranged from 24.97% in Q2 2022 to 62.31% in Q3 2025 over the past five years.
- On a year-over-year basis, FCF Margin rose in four of the last eight quarters, with an average year-over-year change of +0.55 percentage points.
- Peak year-over-year performance for FCF Margin in the last five years was a gain of 15.92 percentage points in Q3 2025, against a drop of 20.91 percentage points in Q1 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 47.84% (Q1 2026), 58.26% (Q4 2025) and 62.31% (Q3 2025).
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Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 53.68% |
| Mar 31, 2026 | 47.84% |
| Dec 31, 2025 | 58.26% |
| Sep 30, 2025 | 62.31% |
| Jun 30, 2025 | 56.62% |
| Mar 31, 2025 | 40.52% |
| Dec 31, 2024 | 51.78% |
| Sep 30, 2024 | 46.39% |
| Jun 30, 2024 | 50.80% |
| Mar 31, 2024 | 45.11% |
| Dec 31, 2023 | 60.73% |
| Sep 30, 2023 | 61.01% |
| Jun 30, 2023 | 36.03% |
| Mar 31, 2023 | 30.88% |
| Dec 31, 2022 | 46.66% |
| Sep 30, 2022 | 61.08% |
| Jun 30, 2022 | 24.97% |
| Mar 31, 2022 | 51.79% |
| Dec 31, 2021 | 36.21% |
| Sep 30, 2021 | 53.00% |
API Access
Bread Financial Holdings, Inc. FCF 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=fcf-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-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=fcf-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();