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

Bread Financial Holdings has reported Operating Margin for 18 years, with the latest figure at 47.73% in Q2 2026.

• On a quarterly basis, Operating Margin rose 317.0% year-over-year to 47.73% in Q2 2026; TTM through Jun 2026 was 45.94%, a 431.0% increase from a year earlier, with the FY2025 full-year figure at 44.4%, up 190.0% from the prior year.
• Operating Margin was 47.73% for Q2 2026 at Bread Financial Holdings, down from 50.2% in the prior quarter.
• The five-year high for Operating Margin was 54.77% in Q1 2023, with the low at 36.97% in Q4 2024.
• Average Operating Margin over 5 years is 45.09%, with a median of 46.2% recorded in 2022.
• The sharpest annual moves came in 2022 and 2025: Operating Margin sank 2052 bps in 2022, then soared 932 bps in 2025.
• Over 5 years, Operating Margin stood at 41.43% in 2022, then advanced by 8 bps to 44.69% in 2023, then dropped by 17 bps to 36.97% in 2024, then climbed by 4 bps to 38.56% in 2025, then rose by 24 bps to 47.73% in 2026.
• The last three Operating Margin figures came in at 47.73% (Q2 2026), 50.2% (Q1 2026), and 38.56% (Q4 2025), per Business Quant data.