Bread Financial Holdings (BFH) EBT Margin (2009 - 2026)
Bread Financial Holdings (BFH) posted EBT Margin of 19.84% for Q2 2026, down 16.89% on a QoQ basis from 23.87% in Q1 2026, and up 111.0% year-over-year from 9.4% in Q2 2025.
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Bread Financial Holdings (BFH) EBT Margin (2009 - 2026) Analysis & Trends
Bread Financial Holdings has reported EBT Margin for 18 years, with the latest figure at 19.84% in Q2 2026.
- On a quarterly basis, EBT Margin rose 111.0% year-over-year to 19.84% in Q2 2026; TTM through Jun 2026 was 17.26%, a 717.0% increase from a year earlier, with the FY2025 full-year figure at 15.99%, up 607.0% from the prior year.
- EBT Margin was 19.84% for Q2 2026 at Bread Financial Holdings, down from 23.87% in the prior quarter.
- The five-year high for EBT Margin was 49.5% in Q1 2023, with the low at 20.14% in Q4 2022.
- Average EBT Margin over 5 years is 14.61%, with a median of 19.07% recorded in 2024.
- The sharpest annual moves came in 2022 and 2023: EBT Margin sank 4454 bps in 2022, then soared 2191 bps in 2023.
- Over 5 years, EBT Margin stood at 20.14% in 2022, then jumped by 109 bps to 1.77% in 2023, then plunged by 265 bps to 2.92% in 2024, then soared by 265 bps to 4.82% in 2025, then jumped by 312 bps to 19.84% in 2026.
- The last three EBT Margin figures came in at 19.84% (Q2 2026), 23.87% (Q1 2026), and 4.82% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 24.62% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 14.50% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 11.82% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 28.70% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 19.08% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 15.08% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 19.84% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 19.43% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 12.42% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 22.03% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 19.84% |
| Mar 31, 2026 | 23.87% |
| Dec 31, 2025 | 4.82% |
| Sep 30, 2025 | 20.19% |
| Jun 30, 2025 | 18.73% |
| Mar 31, 2025 | 20.31% |
| Dec 31, 2024 | -2.92% |
| Sep 30, 2024 | 4.07% |
| Jun 30, 2024 | 19.17% |
| Mar 31, 2024 | 18.97% |
| Dec 31, 2023 | 1.77% |
| Sep 30, 2023 | 21.82% |
| Jun 30, 2023 | 9.03% |
| Mar 31, 2023 | 49.50% |
| Dec 31, 2022 | -20.14% |
| Sep 30, 2022 | 19.31% |
| Jun 30, 2022 | 1.79% |
| Mar 31, 2022 | 32.79% |
| Dec 31, 2021 | 7.48% |
| Sep 30, 2021 | 30.43% |