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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalMarket CapitalizationNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Bread Financial Holdings (BFH) EBITDA Margin: 2009-2025

Historic EBITDA Margin for Bread Financial Holdings (BFH) over the last 17 years, with Sep 2025 value amounting to 47.06%.

  • Bread Financial Holdings' EBITDA Margin rose 932.00% to 47.06% in Q3 2025 from the same period last year, while for Sep 2025 it was 44.03%, marking a year-over-year decrease of 33.00%. This contributed to the annual value of 43.02% for FY2024, which is 490.00% down from last year.
  • As of Q3 2025, Bread Financial Holdings' EBITDA Margin stood at 47.06%, which was up 5.61% from 44.56% recorded in Q2 2025.
  • Bread Financial Holdings' 5-year EBITDA Margin high stood at 62.73% for Q1 2021, and its period low was -133.21% during Q4 2021.
  • For the 3-year period, Bread Financial Holdings' EBITDA Margin averaged around 45.09%, with its median value being 46.54% (2024).
  • In the last 5 years, Bread Financial Holdings' EBITDA Margin crashed by 15,652bps in 2021 and then spiked by 17,465bps in 2022.
  • Quarterly analysis of 5 years shows Bread Financial Holdings' EBITDA Margin stood at -133.21% in 2021, then soared by 17,465bps to 41.43% in 2022, then surged by 325bps to 44.69% in 2023, then plummeted by 771bps to 36.97% in 2024, then surged by 932bps to 47.06% in 2025.
  • Its EBITDA Margin was 47.06% in Q3 2025, compared to 44.56% in Q2 2025 and 47.22% in Q1 2025.