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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) Gross Margin (2016 - 2026)

Bread Financial Holdings filings provide 18 years of Gross Margin readings, the most recent being 96.56% for Q1 2026.

  • For the quarter ending Q1 2026, Gross Margin rose 17.0% year-over-year to 96.56%, compared with a TTM value of 96.12% through Mar 2026, up 16.0%, and an annual FY2025 reading of 96.1%, down 7.0% over the prior year.
  • Gross Margin hit 96.56% in Q1 2026 for Bread Financial Holdings, up from 95.49% in the prior quarter.
  • The five-year high for Gross Margin was 97.17% in Q1 2024, with the low at 94.4% in Q2 2022.
  • Median Gross Margin over the past 5 years was 96.13% (2024), compared with a mean of 95.96%.
  • The largest YoY upside for Gross Margin was 187bps in 2022 against a maximum downside of -102bps in 2022.
  • Year by year, Gross Margin stood at 94.58% in 2022, then rose by 1bps to 95.47% in 2023, then fell by -1bps to 94.81% in 2024, then grew by 1bps to 95.49% in 2025, then increased by 1bps to 96.56% in 2026.
  • According to Business Quant data, Gross Margin over the past three periods came in at 96.56%, 95.49%, and 96.09% for Q1 2026, Q4 2025, and Q3 2025 respectively.