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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 - 2025)

Bread Financial Holdings has reported Gross Margin over the past 17 years, most recently at 95.49% for Q4 2025.

  • Quarterly results put Gross Margin at 95.49% for Q4 2025, up 68.0% from a year ago — trailing twelve months through Dec 2025 was 96.07% (down 10.0% YoY), and the annual figure for FY2025 was 96.1%, down 7.0%.
  • Gross Margin for Q4 2025 was 95.49% at Bread Financial Holdings, down from 96.09% in the prior quarter.
  • Over the last five years, Gross Margin for BFH-PA hit a ceiling of 97.17% in Q1 2024 and a floor of 94.4% in Q2 2022.
  • Median Gross Margin over the past 5 years was 95.84% (2023), compared with a mean of 95.77%.
  • Peak annual rise in Gross Margin hit 4574bps in 2021, while the deepest fall reached -12549bps in 2021.
  • Bread Financial Holdings' Gross Margin stood at 94.51% in 2021, then grew by 0bps to 94.58% in 2022, then increased by 1bps to 95.47% in 2023, then decreased by -1bps to 94.81% in 2024, then rose by 1bps to 95.49% in 2025.
  • The last three reported values for Gross Margin were 95.49% (Q4 2025), 96.09% (Q3 2025), and 96.34% (Q2 2025) per Business Quant data.