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

Bread Financial Holdings' Gross Margin history runs 18 years deep, the most recent figure standing at 96.56% for Q1 2026.

• In Q1 2026, Gross Margin rose 17.0% year-over-year to 96.56%; the TTM figure through Mar 2026 stood at 96.12% (up 16.0% YoY), while the FY2025 annual figure was 96.1%, down 7.0% from the prior year.
• Gross Margin was 96.56% for Q1 2026 at Bread Financial Holdings, up from 95.49% in the prior quarter.
• In the past five years, Gross Margin ranged from a high of 97.17% in Q1 2024 to a low of 94.4% in Q2 2022.
• Historically, Gross Margin has averaged 95.96% across 5 years, with a median of 96.13% in 2024.
• Biggest YoY gain for Gross Margin was 187 bps in 2022; the steepest drop was 102 bps in 2022.
• A 5-year view of Gross Margin shows it stood at 94.58% in 2022, then gained by 1 bps to 95.47% in 2023, then retreated by 1 bps to 94.81% in 2024, then increased by 1 bps to 95.49% in 2025, then climbed by 1 bps to 96.56% in 2026.
• The last three Gross Margin figures came in at 96.56% (Q1 2026), 95.49% (Q4 2025), and 96.09% (Q3 2025), per Business Quant data.