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

Bread Financial Holdings' Net Margin history runs 18 years deep, the most recent figure standing at 14.5% for Q2 2026.

• In Q2 2026, Net Margin fell 46.0% year-over-year to 14.5%; the TTM figure through Jun 2026 stood at 8.19% (up 94.0% YoY), while the FY2025 annual figure was 0.08%, down 3.0% from the prior year.
• Net Margin for Q2 2026 stood at 14.5%, down from 17.58% in the prior quarter.
• The five-year high for Net Margin was 22.8% in Q1 2022, with the low at 1.68% in Q2 2023.
• The 5-year median for Net Margin is 1.34% (2022), against an average of 7.46%.
• The sharpest annual moves came in 2022 and 2025: Net Margin tumbled 3452 bps in 2022, then surged 1433 bps in 2025.
• Bread Financial Holdings' Net Margin stood at 13.69% in 2022, then plunged by 101 bps to 0.1% in 2023, then dropped by 3 bps to 0.1% in 2024, then soared by 201 bps to 0.1% in 2025, then soared by 14039 bps to 14.5% in 2026.
• Business Quant data shows BFH-PB's Net Margin at 14.5% in Q2 2026, 17.58% in Q1 2026, and 0.1% in Q4 2025.