Bread Financial Holdings (BFH) EBIT Margin (2009 - 2026)
Bread Financial Holdings (BFH) reported EBIT Margin of 40.12% for Q3 2026, down 1.69 percentage points from 41.81% a year earlier but up 0.64 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) EBIT Margin (2009 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Bread Financial Holdings' EBIT Margin came in at 37.02%, down 0.55 percentage points year-over-year; for FY2025, it came in at 38.21%, up 3.27 percentage points from FY2024.
- EBIT Margin has a five-year change of +11.27 percentage points (FY2020 to FY2025).
- By year, EBIT Margin came in at 34.94% in FY2024 (-8.12 pp), 43.06% in FY2023 (+22.08 pp), 20.99% in FY2022 (-22.62 pp) and 43.61% in FY2021 (+16.67 pp).
- Five-year quarterly EBIT Margin spans a low of -1.26% in Q4 2022 and a high of 66.41% in Q1 2023.
- Year over year, EBIT Margin has now declined in each of the last three quarters, with an average year-over-year change of +0.64 percentage points over the last eight quarters.
- The high point for year-over-year EBIT Margin in five years was Q4 2023 (a gain of 26.46 percentage points); the low point was Q2 2022 (a drop of 49.52 percentage points).
- Per Business Quant data, the three quarters before Q3 2026 came in at 39.48% (Q2 2026), 42.83% (Q1 2026) and 25.23% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 40.10% |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 59.53% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 467.76% |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 62.13% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 43.96% |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 14.82% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | 51.56% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 40.12% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 40.12% |
| Jun 30, 2026 | 39.48% |
| Mar 31, 2026 | 42.83% |
| Dec 31, 2025 | 25.23% |
| Sep 30, 2025 | 41.81% |
| Jun 30, 2025 | 42.41% |
| Mar 31, 2025 | 43.51% |
| Dec 31, 2024 | 22.05% |
| Sep 30, 2024 | 28.48% |
| Jun 30, 2024 | 44.83% |
| Mar 31, 2024 | 44.00% |
| Dec 31, 2023 | 25.20% |
| Sep 30, 2023 | 43.06% |
| Jun 30, 2023 | 30.57% |
| Mar 31, 2023 | 66.41% |
| Dec 31, 2022 | -1.26% |
| Sep 30, 2022 | 32.89% |
| Jun 30, 2022 | 12.43% |
| Mar 31, 2022 | 41.37% |
| Dec 31, 2021 | 17.41% |
API Access
Bread Financial Holdings EBIT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebit-margin&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebit-margin", "ticker": "BFH", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebit-margin&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();