Bread Financial Holdings, Inc. (BFH) EBITDA Margin (2009 - 2026)
Bread Financial Holdings (BFH) recorded EBITDA Margin of 41.29% in Q2 2026, down 3.38 percentage points from 44.67% a year earlier and down 3.41 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH) EBITDA Margin (2009 - 2026) Analysis & Trends
On a TTM basis, Bread Financial Holdings' EBITDA Margin came in at 39.30% as of Jun 30, 2026, up 2.89 percentage points year-over-year; for FY2025, it came in at 40.29%, up 3.00 percentage points from FY2024.
- Annual EBITDA Margin has a five-year change of +7.77 percentage points (FY2020 to FY2025).
- Across earlier years, EBITDA Margin came in at 37.29% in FY2024 (-8.48 pp), 45.77% in FY2023 (+21.83 pp), 23.94% in FY2022 (-23.43 pp) and 47.37% in FY2021 (+14.85 pp).
- Quarterly EBITDA Margin has ranged from 1.94% in Q4 2022 to 69.05% in Q1 2023 over the past five years.
- On a year-over-year basis, EBITDA Margin rose in two of the last eight quarters, with an average year-over-year change of -1.19 percentage points.
- Peak year-over-year performance for EBITDA Margin in the last five years was a gain of 25.62 percentage points in Q4 2023, against a drop of 50.28 percentage points in Q2 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 44.70% (Q1 2026), 27.18% (Q4 2025) and 43.77% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 41.69% |
| Mar 31, 2026 | 45.09% |
| Dec 31, 2025 | 27.59% |
| Sep 30, 2025 | 44.18% |
| Jun 30, 2025 | 45.10% |
| Mar 31, 2025 | 46.08% |
| Dec 31, 2024 | 24.86% |
| Sep 30, 2024 | 31.33% |
| Jun 30, 2024 | 47.82% |
| Mar 31, 2024 | 46.92% |
| Dec 31, 2023 | 28.15% |
| Sep 30, 2023 | 45.97% |
| Jun 30, 2023 | 34.87% |
| Mar 31, 2023 | 69.59% |
| Dec 31, 2022 | 2.52% |
| Sep 30, 2022 | 36.47% |
| Jun 30, 2022 | 16.46% |
| Mar 31, 2022 | 44.30% |
| Dec 31, 2021 | 26.52% |
| Sep 30, 2021 | 49.53% |
API Access
Bread Financial Holdings, Inc. EBITDA 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=ebitda-margin&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-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=ebitda-margin&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();