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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) Net Margin (2016 - 2025)

Bread Financial Holdings has reported Net Margin over the past 17 years, most recently at 0.1% for Q4 2025.

  • Quarterly results put Net Margin at 0.1% for Q4 2025, changed N/A from a year ago — trailing twelve months through Dec 2025 was 0.08% (down 3.0% YoY), and the annual figure for FY2025 was 0.08%, down 3.0%.
  • Net Margin for Q4 2025 was 0.1% at Bread Financial Holdings, up from 0.41% in the prior quarter.
  • Over the last five years, Net Margin for BFH-PA hit a ceiling of 35.86% in Q2 2021 and a floor of 1.68% in Q2 2023.
  • Median Net Margin over the past 5 years was 0.72% (2025), compared with a mean of 9.66%.
  • Biggest five-year swings in Net Margin: surged 3349bps in 2021 and later tumbled -3452bps in 2022.
  • Bread Financial Holdings' Net Margin stood at 2.1% in 2021, then soared by 551bps to 13.69% in 2022, then tumbled by -101bps to 0.1% in 2023, then fell by -3bps to 0.1% in 2024, then surged by 201bps to 0.1% in 2025.
  • The last three reported values for Net Margin were 0.1% (Q4 2025), 0.41% (Q1 2025), and 0.1% (Q3 2024) per Business Quant data.