Bread Financial Holdings BFH-PA
NYSE BFH-PA
$24.49 -0.01 (-0.04%)
As of: Oct 16, 2026 · 1:01 PM EDT

Bread Financial Holdings, Inc. (BFH-PA) Gross Margin (2009 - 2021)

Updated

Bread Financial Holdings (BFH-PA) posted Gross Margin of 42.51% for Q3 2021, down 11.54 percentage points from 54.05% a year earlier but up 7.24 percentage points from the prior quarter.

Analysis

Bread Financial Holdings, Inc. (BFH-PA) Gross Margin (2009 - 2021) Analysis & Trends

For the trailing twelve months through Sep 30, 2021, Gross Margin at Bread Financial Holdings was 40.92%, down 14.35 percentage points year-over-year; for FY2020, it came in at 37.01%, up 3.38 percentage points from FY2019.

  • Annual Gross Margin shows a five-year change of -3.75 percentage points (FY2015 to FY2020).
  • In prior years, Bread Financial Holdings' Gross Margin was 33.63% in FY2019 (-21.59 pp), 55.23% in FY2018 (+0.33 pp), 54.89% in FY2017 (+14.81 pp) and 40.08% in FY2016 (-0.68 pp).
  • Quarterly Gross Margin has run from a low of 34.38% in Q4 2016 to a high of 131.03% in Q4 2017 over five years.
  • On a year-over-year basis, Gross Margin has declined in each of the last four quarters, with an average year-over-year change of -5.81 percentage points over the last eight quarters.
  • The strongest year-over-year quarter for Gross Margin in the past five years was Q4 2017, with a gain of 96.65 percentage points; the weakest was Q4 2018, with a drop of 78.68 percentage points.
  • According to Business Quant data, Gross Margin for the three prior quarters was 35.27% (Q2 2021), 37.97% (Q1 2021) and 45.70% (Q4 2020).
Peer Set

Peer Comparison

Historic Data

Historic Data

Download Data
DateValue
Sep 30, 2021 42.51%
Jun 30, 2021 35.27%
Mar 31, 2021 37.97%
Dec 31, 2020 45.70%
Sep 30, 2020 54.05%
Jun 30, 2020 49.68%
Mar 31, 2020 63.87%
Dec 31, 2019 51.73%
Sep 30, 2019 52.18%
Jun 30, 2019 51.44%
Mar 31, 2019 51.99%
Dec 31, 2018 52.35%
Sep 30, 2018 54.05%
Jun 30, 2018 57.52%
Mar 31, 2018 57.18%
Dec 31, 2017 131.03%
Sep 30, 2017 44.23%
Jun 30, 2017 44.32%
Mar 31, 2017 44.54%
Dec 31, 2016 34.38%
API Access

Bread Financial Holdings, Inc. Gross 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=gross-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEY