Bread Financial Holdings (BFH) EBITDA Margin (2009 - 2026)
Bread Financial Holdings (BFH) recorded EBITDA Margin of 42.28% in Q3 2026, down 1.90 percentage points from 44.18% a year earlier but up 0.59 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) EBITDA Margin (2009 - 2026) Analysis & Trends
On a TTM basis, Bread Financial Holdings' EBITDA Margin came in at 39.27% as of Sep 30, 2026, down 0.91 percentage points year-over-year; for FY2025, it came in at 40.70%, up 2.87 percentage points from FY2024.
- Annual EBITDA Margin has a five-year change of +5.94 percentage points (FY2020 to FY2025).
- Across earlier years, EBITDA Margin came in at 37.83% in FY2024 (-8.54 pp), 46.37% in FY2023 (+21.81 pp), 24.57% in FY2022 (-25.10 pp) and 49.66% in FY2021 (+14.90 pp).
- Quarterly EBITDA Margin has ranged from 2.52% in Q4 2022 to 69.59% in Q1 2023 over the past five years.
- On a year-over-year basis, EBITDA Margin has declined for three consecutive quarters, with an average year-over-year change of +0.30 percentage points over the last eight quarters.
- Peak year-over-year performance for EBITDA Margin in the last five years was a gain of 25.63 percentage points in Q4 2023, against a drop of 50.66 percentage points in Q2 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 41.69% (Q2 2026), 45.09% (Q1 2026) and 27.59% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 44.58% |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 83.49% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 47.01% |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 22.34% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | 52.57% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 42.28% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 42.28% |
| 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% |
API Access
Bread Financial Holdings 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();