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

Bread Financial Holdings' Gross Margin history runs 18 years deep, the most recent figure standing at 96.37% for Q2 2026.

• In Q2 2026, Gross Margin rose 3.0% year-over-year to 96.37%; the TTM figure through Jun 2026 stood at 96.13% (up 20.0% YoY), while the FY2025 annual figure was 96.1%, down 7.0% from the prior year.
• Gross Margin for Q2 2026 stood at 96.37%, roughly flat from 96.56% in the prior quarter.
• The five-year high for Gross Margin was 97.17% in Q1 2024, with the low at 94.4% in Q2 2022.
• The 5-year median for Gross Margin is 96.24% (2024), against an average of 95.98%.
• Peak annual rise in Gross Margin reached 187 bps in 2022, while the deepest fall reached 102 bps in 2022.
• Bread Financial Holdings' Gross Margin stood at 94.58% in 2022, then rose by 1 bps to 95.47% in 2023, then fell by 1 bps to 94.81% in 2024, then grew by 1 bps to 95.49% in 2025, then gained by 1 bps to 96.37% in 2026.
• Business Quant data shows BFH-PB's Gross Margin at 96.37% in Q2 2026, 96.56% in Q1 2026, and 95.49% in Q4 2025.