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

Bread Financial Holdings' Operating Margin history runs 18 years deep, the most recent figure standing at 50.2% for Q1 2026.

• In Q1 2026, Operating Margin rose 298.0% year-over-year to 50.2%; the TTM figure through Mar 2026 stood at 45.16% (up 303.0% YoY), while the FY2025 annual figure was 44.4%, up 190.0% from the prior year.
• Operating Margin was 50.2% for Q1 2026 at Bread Financial Holdings, up from 38.56% in the prior quarter.
• In the past five years, Operating Margin ranged from a high of 54.77% in Q1 2023 to a low of 36.97% in Q4 2024.
• Historically, Operating Margin has averaged 44.94% across 5 years, with a median of 45.86% in 2022.
• Biggest YoY gain for Operating Margin was 17465 bps in 2022; the steepest drop was 2052 bps in 2022.
• A 5-year view of Operating Margin shows it stood at 41.43% in 2022, then gained by 8 bps to 44.69% in 2023, then slipped by 17 bps to 36.97% in 2024, then advanced by 4 bps to 38.56% in 2025, then surged by 30 bps to 50.2% in 2026.
• The last three Operating Margin figures came in at 50.2% (Q1 2026), 38.56% (Q4 2025), and 47.06% (Q3 2025), per Business Quant data.