Bread Financial Holdings, Inc. (BFH-PA) Net Margin (2009 - 2026)
Bread Financial Holdings (BFH-PA) recorded Net Margin of 14.50% in Q2 2026, down 0.46 percentage points from 14.96% a year earlier and down 3.08 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH-PA) Net Margin (2009 - 2026) Analysis & Trends
On a TTM basis, Bread Financial Holdings' Net Margin came in at 14.28% as of Jun 30, 2026, up 6.77 percentage points year-over-year; for FY2025, it came in at 13.47%, up 6.25 percentage points from FY2024.
- Annual Net Margin has a five-year change of +6.98 percentage points (FY2020 to FY2025).
- Across earlier years, Net Margin came in at 7.22% in FY2024 (-9.52 pp), 16.74% in FY2023 (+10.91 pp), 5.83% in FY2022 (-18.65 pp) and 24.48% in FY2021 (+17.99 pp).
- Quarterly Net Margin has ranged from -12.97% in Q4 2022 to 35.30% in Q1 2023 over the past five years.
- On a year-over-year basis, Net Margin rose in five of the last eight quarters, with an average year-over-year change of +1.06 percentage points.
- Peak year-over-year performance for Net Margin in the last five years was a gain of 19.16 percentage points in Q3 2025, against a drop of 34.52 percentage points in Q2 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 17.58% (Q1 2026), 5.54% (Q4 2025) and 19.36% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 14.50% |
| Mar 31, 2026 | 17.58% |
| Dec 31, 2025 | 5.54% |
| Sep 30, 2025 | 19.36% |
| Jun 30, 2025 | 14.96% |
| Mar 31, 2025 | 14.23% |
| Dec 31, 2024 | 0.76% |
| Sep 30, 2024 | 0.20% |
| Jun 30, 2024 | 14.16% |
| Mar 31, 2024 | 13.52% |
| Dec 31, 2023 | 4.23% |
| Sep 30, 2023 | 16.59% |
| Jun 30, 2023 | 5.04% |
| Mar 31, 2023 | 35.30% |
| Dec 31, 2022 | -12.97% |
| Sep 30, 2022 | 13.69% |
| Jun 30, 2022 | 1.34% |
| Mar 31, 2022 | 22.80% |
| Dec 31, 2021 | 2.10% |
| Sep 30, 2021 | 26.32% |
API Access
Bread Financial Holdings, Inc. Net 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=net-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "BFH-PA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=BFH-PA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();