Bread Financial Holdings (BFH) EBITDA Margin (2009 - 2026)
Bread Financial Holdings (BFH) posted quarterly EBITDA Margin of 47.73% for Q2 2026, up 317.0% year-over-year from 11.45% in Q2 2025, and down 4.91% quarter-over-quarter from 50.2% in Q1 2026.
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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 47.73% for Q2 2026.
- In Q2 2026, EBITDA Margin rose 317.0% year-over-year to 47.73%; the TTM figure through Jun 2026 stood at 45.94% (up 431.0% YoY), while the FY2025 annual figure was 44.4%, up 190.0% from the prior year.
- EBITDA Margin for Q2 2026 stood at 47.73%, down from 50.2% in the prior quarter.
- The five-year high for EBITDA Margin was 54.77% in Q1 2023, with the low at 36.97% in Q4 2024.
- The 5-year median for EBITDA Margin is 46.2% (2022), against an average of 45.09%.
- The sharpest annual moves came in 2022 and 2025: EBITDA Margin sank 2052 bps in 2022, then jumped 932 bps in 2025.
- Bread Financial Holdings' EBITDA Margin stood at 41.43% in 2022, then rose by 8 bps to 44.69% in 2023, then decreased by 17 bps to 36.97% in 2024, then gained by 4 bps to 38.56% in 2025, then grew by 24 bps to 47.73% in 2026.
- Business Quant data shows BFH's EBITDA Margin at 47.73% in Q2 2026, 50.2% in Q1 2026, and 38.56% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 59.12% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 60.22% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 49.39% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 16.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 12.63% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 44.85% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 1.47% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 44.97% |
| 10 | Bread Financial Holdings | 4.09 Bn | -15.99 Bn | 957.00 Mn | 47.73% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 47.73% |
| 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 | 44.51% |
| Sep 30, 2021 | 44.98% |