Bread Financial Holdings, Inc. (BFH) FCF Margin (2009 - 2026)
Bread Financial Holdings (BFH) reported FCF Margin of 53.68% for Q2 2026, down 2.94 percentage points from 56.62% a year earlier but up 5.84 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH) FCF Margin (2009 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Bread Financial Holdings' FCF Margin came in at 55.42%, up 6.72 percentage points year-over-year; for FY2025, it came in at 54.41%, up 5.97 percentage points from FY2024.
- FCF Margin has a five-year change of -1.05 percentage points (FY2020 to FY2025).
- By year, FCF Margin came in at 48.44% in FY2024 (+2.11 pp), 46.33% in FY2023 (-0.20 pp), 46.52% in FY2022 (+1.93 pp) and 44.59% in FY2021 (-10.87 pp).
- Five-year quarterly FCF Margin spans a low of 24.97% in Q2 2022 and a high of 62.31% in Q3 2025.
- Year over year, FCF Margin gained in four of the last eight quarters, with an average year-over-year change of +0.55 percentage points.
- The high point for year-over-year FCF Margin in five years was Q3 2025 (a gain of 15.92 percentage points); the low point was Q1 2023 (a drop of 20.91 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 47.84% (Q1 2026), 58.26% (Q4 2025) and 62.31% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 53.68% |
| Mar 31, 2026 | 47.84% |
| Dec 31, 2025 | 58.26% |
| Sep 30, 2025 | 62.31% |
| Jun 30, 2025 | 56.62% |
| Mar 31, 2025 | 40.52% |
| Dec 31, 2024 | 51.78% |
| Sep 30, 2024 | 46.39% |
| Jun 30, 2024 | 50.80% |
| Mar 31, 2024 | 45.11% |
| Dec 31, 2023 | 60.73% |
| Sep 30, 2023 | 61.01% |
| Jun 30, 2023 | 36.03% |
| Mar 31, 2023 | 30.88% |
| Dec 31, 2022 | 46.66% |
| Sep 30, 2022 | 61.08% |
| Jun 30, 2022 | 24.97% |
| Mar 31, 2022 | 51.79% |
| Dec 31, 2021 | 36.21% |
| Sep 30, 2021 | 53.00% |
API Access
Bread Financial Holdings, Inc. FCF 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=fcf-margin&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-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=fcf-margin&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();