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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) Operating Margin (2016 - 2025)

Bread Financial Holdings has reported Operating Margin over the past 17 years, most recently at 38.56% for Q4 2025.

  • Quarterly results put Operating Margin at 38.56% for Q4 2025, up 159.0% from a year ago — trailing twelve months through Dec 2025 was 44.34% (up 185.0% YoY), and the annual figure for FY2025 was 44.4%, up 190.0%.
  • Operating Margin for Q4 2025 was 38.56% at Bread Financial Holdings, down from 47.06% in the prior quarter.
  • Over the last five years, Operating Margin for BFH-PA hit a ceiling of 62.73% in Q1 2021 and a floor of 133.21% in Q4 2021.
  • Median Operating Margin over the past 5 years was 45.42% (2021), compared with a mean of 37.51%.
  • Biggest five-year swings in Operating Margin: plummeted -15652bps in 2021 and later skyrocketed 17465bps in 2022.
  • Bread Financial Holdings' Operating Margin stood at 133.21% in 2021, then skyrocketed by 131bps to 41.43% in 2022, then increased by 8bps to 44.69% in 2023, then dropped by -17bps to 36.97% in 2024, then rose by 4bps to 38.56% in 2025.
  • The last three reported values for Operating Margin were 38.56% (Q4 2025), 47.06% (Q3 2025), and 44.56% (Q2 2025) per Business Quant data.