Bread Financial Holdings (BFH) EBT Margin (2009 - 2026)
Bread Financial Holdings' EBT Margin came in at 20.55% for Q3 2026, up 0.37 percentage points from 20.19% a year earlier and up 0.71 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) EBT Margin (2009 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Bread Financial Holdings reported EBT Margin of 17.39%, up 3.16 percentage points year-over-year; for FY2025, it came in at 15.99%, up 6.07 percentage points from FY2024.
- EBT Margin carries a five-year change of +6.87 percentage points (FY2020 to FY2025).
- Going back by year, EBT Margin was 9.93% in FY2024 (-12.64 pp), 22.57% in FY2023 (+14.73 pp), 7.84% in FY2022 (-24.07 pp) and 31.91% in FY2021 (+22.78 pp).
- The five-year range for quarterly EBT Margin is -20.14% (Q4 2022) to 49.50% (Q1 2023).
- Year-over-year, EBT Margin has increased for five consecutive quarters, with an average year-over-year change of +3.14 percentage points over the last eight quarters.
- The fastest year-over-year change in EBT Margin over five years came in Q4 2023 (a gain of 21.91 percentage points), and the weakest in Q2 2022 (a drop of 44.54 percentage points).
- Business Quant data shows BFH's EBT Margin at 19.84% (Q2 2026), 23.87% (Q1 2026) and 4.82% (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 29.17% |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 38.64% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 61.04% |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 65.65% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 24.03% |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 16.25% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | -114.70% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 20.55% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 20.55% |
| 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% |
API Access
Bread Financial Holdings EBT 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=ebt-margin&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-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=ebt-margin&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();