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

Bread Financial Holdings has reported EBT Margin for 18 years, with the latest figure at 19.84% in Q2 2026.

• On a quarterly basis, EBT Margin rose 111.0% year-over-year to 19.84% in Q2 2026; TTM through Jun 2026 was 17.26%, a 717.0% increase from a year earlier, with the FY2025 full-year figure at 15.99%, up 607.0% from the prior year.
• EBT Margin was 19.84% for Q2 2026 at Bread Financial Holdings, down from 23.87% in the prior quarter.
• The five-year high for EBT Margin was 49.5% in Q1 2023, with the low at 20.14% in Q4 2022.
• Average EBT Margin over 5 years is 14.61%, with a median of 19.07% recorded in 2024.
• The sharpest annual moves came in 2022 and 2023: EBT Margin sank 4454 bps in 2022, then soared 2191 bps in 2023.
• Over 5 years, EBT Margin stood at 20.14% in 2022, then jumped by 109 bps to 1.77% in 2023, then plunged by 265 bps to 2.92% in 2024, then soared by 265 bps to 4.82% in 2025, then jumped by 312 bps to 19.84% in 2026.
• The last three EBT Margin figures came in at 19.84% (Q2 2026), 23.87% (Q1 2026), and 4.82% (Q4 2025), per Business Quant data.