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

Bread Financial Holdings' Net Margin history runs 18 years deep, the most recent figure standing at 17.58% for Q1 2026.

• In Q1 2026, Net Margin rose 336.0% year-over-year to 17.58%; the TTM figure through Mar 2026 stood at 4.62% (up 103.0% YoY), while the FY2025 annual figure was 0.08%, down 3.0% from the prior year.
• Net Margin was 17.58% for Q1 2026 at Bread Financial Holdings, up from 0.1% in the prior quarter.
• In the past five years, Net Margin ranged from a high of 22.8% in Q1 2022 to a low of 1.68% in Q2 2023.
• Historically, Net Margin has averaged 6.14% across 5 years, with a median of 0.1% in 2025.
• The sharpest annual moves came in 2022 and 2025: Net Margin plunged 3452 bps in 2022, then soared 1433 bps in 2025.
• A 5-year view of Net Margin shows it stood at 13.69% in 2022, then sank by 101 bps to 0.1% in 2023, then declined by 3 bps to 0.1% in 2024, then jumped by 201 bps to 0.1% in 2025, then soared by 17044 bps to 17.58% in 2026.
• The last three Net Margin figures came in at 17.58% (Q1 2026), 0.1% (Q4 2025), and 14.23% (Q1 2025), per Business Quant data.