Bread Financial Holdings (BFH-PB) EBT Margin (2009 - 2026)

Bread Financial Holdings' EBT Margin history runs 18 years deep, the most recent figure standing at 23.87% for Q1 2026.

• In Q1 2026, EBT Margin rose 356.0% year-over-year to 23.87%; the TTM figure through Mar 2026 stood at 16.95% (up 674.0% YoY), while the FY2025 annual figure was 15.99%, up 607.0% from the prior year.
• EBT Margin was 23.87% for Q1 2026 at Bread Financial Holdings, up from 4.82% in the prior quarter.
• In the past five years, EBT Margin ranged from a high of 49.5% in Q1 2023 to a low of 20.14% in Q4 2022.
• Historically, EBT Margin has averaged 14.3% across 5 years, with a median of 18.97% in 2024.
• The sharpest annual moves came in 2022 and 2023: EBT Margin slumped 4454 bps in 2022, then surged 2191 bps in 2023.
• A 5-year view of EBT Margin shows it stood at 20.14% in 2022, then soared by 109 bps to 1.77% in 2023, then sank by 265 bps to 2.92% in 2024, then surged by 265 bps to 4.82% in 2025, then soared by 395 bps to 23.87% in 2026.
• The last three EBT Margin figures came in at 23.87% (Q1 2026), 4.82% (Q4 2025), and 20.19% (Q3 2025), per Business Quant data.