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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)

Bread Financial Holdings (BFH) has 17 years of EBT Margin data on record, last reported at 4.92% in Q4 2025.

  • For Q4 2025, EBT Margin rose 784.0% year-over-year to 4.92%; the TTM value through Dec 2025 reached 15.99%, up 607.0%, while the annual FY2025 figure was 15.99%, 607.0% up from the prior year.
  • EBT Margin reached 4.92% in Q4 2025 per BFH's latest filing, down from 20.19% in the prior quarter.
  • Across five years, EBT Margin topped out at 49.5% in Q1 2023 and bottomed at 20.14% in Q4 2022.
  • Average EBT Margin over 5 years is 17.66%, with a median of 19.07% recorded in 2024.
  • Peak YoY movement for EBT Margin: skyrocketed 5392bps in 2021, then plummeted -4443bps in 2022.
  • A 5-year view of EBT Margin shows it stood at 7.49% in 2021, then tumbled by -369bps to 20.14% in 2022, then skyrocketed by 109bps to 1.87% in 2023, then plummeted by -256bps to 2.92% in 2024, then surged by 269bps to 4.92% in 2025.
  • Per Business Quant database, its latest 3 readings for EBT Margin were 4.92% in Q4 2025, 20.19% in Q3 2025, and 18.73% in Q2 2025.