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

Bread Financial Holdings (BFH) EBT Margin (2016 - 2025)

Historic EBT Margin for Bread Financial Holdings (BFH) over the last 17 years, with Q4 2025 value amounting to 4.82%.

  • Bread Financial Holdings' EBT Margin rose 77400.0% to 4.82% in Q4 2025 from the same period last year, while for Dec 2025 it was 15.97%, marking a year-over-year increase of 60400.0%. This contributed to the annual value of 15.99% for FY2025, which is 60700.0% up from last year.
  • As of Q4 2025, Bread Financial Holdings' EBT Margin stood at 4.82%, which was up 77400.0% from 20.19% recorded in Q3 2025.
  • Over the past 5 years, Bread Financial Holdings' EBT Margin peaked at 49.5% during Q1 2023, and registered a low of 20.14% during Q4 2022.
  • For the 5-year period, Bread Financial Holdings' EBT Margin averaged around 17.46%, with its median value being 19.07% (2024).
  • As far as peak fluctuations go, Bread Financial Holdings' EBT Margin soared by 439200bps in 2021, and later crashed by -445400bps in 2022.
  • Bread Financial Holdings' EBT Margin (Quarter) stood at 7.48% in 2021, then tumbled by -369bps to 20.14% in 2022, then surged by 109bps to 1.77% in 2023, then tumbled by -265bps to 2.92% in 2024, then skyrocketed by 265bps to 4.82% in 2025.
  • Its last three reported values are 4.82% in Q4 2025, 20.19% for Q3 2025, and 18.73% during Q2 2025.