Bread Financial Holdings (BFH) EBITDA Margin (2009 - 2026)
Bread Financial Holdings (BFH) recorded quarterly EBITDA Margin of 50.2% in Q1 2026, up 30.16% quarter-over-quarter from 38.56% in Q4 2025, and up 298.0% on a YoY basis from 12.61% in Q1 2025.
Bread Financial Holdings (BFH) EBITDA Margin (2009 - 2026) Analysis & Trends
Bread Financial Holdings' EBITDA Margin history runs 18 years deep, the most recent figure standing at 50.2% for Q1 2026.
- In Q1 2026, EBITDA 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 44.92%, up 190.0% from the prior year.
- EBITDA Margin was 50.2% for Q1 2026 at Bread Financial Holdings, up from 38.56% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 54.77% in Q1 2023 to a low of 36.97% in Q4 2024.
- Historically, EBITDA Margin has averaged 44.94% across 5 years, with a median of 45.86% in 2022.
- Biggest YoY gain for EBITDA Margin was 17465 bps in 2022; the steepest drop was 2052 bps in 2022.
- A 5-year view of EBITDA 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 EBITDA Margin figures came in at 50.2% (Q1 2026), 38.56% (Q4 2025), and 47.06% (Q3 2025), per Business Quant data.
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 64.42% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 58.43% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 44.55% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 42.26% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 28.77% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 13.91% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 15.79% |
| 10 | Bread Financial Holdings | 3.90 Bn | 262.51 Mn | 983.00 Mn | 50.20% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 50.20% |
| Dec 31, 2025 | 38.56% |
| Sep 30, 2025 | 47.06% |
| Jun 30, 2025 | 44.56% |
| Mar 31, 2025 | 47.22% |
| Dec 31, 2024 | 36.97% |
| Sep 30, 2024 | 37.74% |
| Jun 30, 2024 | 46.54% |
| Mar 31, 2024 | 48.54% |
| Dec 31, 2023 | 44.69% |
| Sep 30, 2023 | 47.82% |
| Jun 30, 2023 | 40.13% |
| Mar 31, 2023 | 54.77% |
| Dec 31, 2022 | 41.43% |
| Sep 30, 2022 | 45.86% |
| Jun 30, 2022 | 41.43% |
| Mar 31, 2022 | 50.38% |
| Dec 31, 2021 | -133.21% |
| Sep 30, 2021 | 44.98% |
| Jun 30, 2021 | 61.95% |