Bread Financial Holdings, Inc. (BFH-PA) Net Margin (2009 - 2026)

Bread Financial Holdings has reported Net Margin for 18 years, with the latest figure at 14.5% in Q2 2026.

• On a quarterly basis, Net Margin fell 46.0% year-over-year to 14.5% in Q2 2026; TTM through Jun 2026 was 14.28%, a 677.0% increase from a year earlier, with the FY2025 full-year figure at 13.47%, up 625.0% from the prior year.
• Net Margin was 14.5% for Q2 2026 at Bread Financial Holdings, down from 17.58% in the prior quarter.
• The five-year high for Net Margin was 35.3% in Q1 2023, with the low at 12.97% in Q4 2022.
• Average Net Margin over 5 years is 11.16%, with a median of 13.93% recorded in 2022.
• The sharpest annual moves came in 2022 and 2025: Net Margin tumbled 3452 bps in 2022, then surged 1916 bps in 2025.
• Over 5 years, Net Margin stood at 12.97% in 2022, then surged by 133 bps to 4.23% in 2023, then sank by 82 bps to 0.76% in 2024, then jumped by 632 bps to 5.54% in 2025, then soared by 162 bps to 14.5% in 2026.
• The last three Net Margin figures came in at 14.5% (Q2 2026), 17.58% (Q1 2026), and 5.54% (Q4 2025), per Business Quant data.