Bread Financial Holdings (BFH) EBT Margin (2009 - 2026)
Bread Financial Holdings (BFH) posted quarterly EBT Margin of 19.84% for Q2 2026, up 111.0% year-over-year from 9.4% in Q2 2025, and down 16.89% quarter-over-quarter from 23.87% in Q1 2026.
Bread Financial Holdings (BFH) EBT Margin (2009 - 2026) Analysis & Trends
Bread Financial Holdings' EBT Margin history runs 18 years deep, the most recent figure standing at 19.84% for Q2 2026.
- In Q2 2026, EBT Margin rose 111.0% year-over-year to 19.84%; the TTM figure through Jun 2026 stood at 17.26% (up 717.0% YoY), while the FY2025 annual figure was 15.99%, up 607.0% from the prior year.
- EBT Margin for Q2 2026 stood at 19.84%, 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.
- The 5-year median for EBT Margin is 19.07% (2024), against an average of 14.61%.
- The sharpest annual moves came in 2022 and 2023: EBT Margin sank 4454 bps in 2022, then jumped 2191 bps in 2023.
- Bread Financial Holdings' EBT Margin stood at 20.14% in 2022, then surged by 109 bps to 1.77% in 2023, then plunged by 265 bps to 2.92% in 2024, then jumped by 265 bps to 4.82% in 2025, then surged by 312 bps to 19.84% in 2026.
- Business Quant data shows BFH's EBT Margin at 19.84% in Q2 2026, 23.87% in Q1 2026, and 4.82% in Q4 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 58.74% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 59.14% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 20.73% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 30.28% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 15.09% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 24.62% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 10.34% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 154.09% |
| 10 | Bread Financial Holdings | 4.40 Bn | 716.01 Mn | 957.00 Mn | 19.84% |
Historic Data
Download 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% |