Bread Financial Holdings (BFH) FCF Margin (2009 - 2026)
Bread Financial Holdings (BFH) posted quarterly FCF Margin of 53.68% for Q2 2026, down 294.0% year-over-year from 27.67% in Q2 2025, and up 12.2% quarter-over-quarter from 47.84% in Q1 2026.
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Bread Financial Holdings (BFH) FCF Margin (2009 - 2026) Analysis & Trends
Bread Financial Holdings' FCF Margin history runs 18 years deep, the most recent figure standing at 53.68% for Q2 2026.
- In Q2 2026, FCF Margin fell 294.0% year-over-year to 53.68%; the TTM figure through Jun 2026 stood at 55.42% (up 1662.0% YoY), while the FY2025 annual figure was 54.41%, up 1579.0% from the prior year.
- FCF Margin for Q2 2026 stood at 53.68%, up from 47.84% in the prior quarter.
- The five-year high for FCF Margin was 62.31% in Q3 2025, with the low at 102.42% in Q4 2022.
- The 5-year median for FCF Margin is 49.32% (2024), against an average of 35.11%.
- The sharpest annual moves came in 2022 and 2023: FCF Margin plunged 14027 bps in 2022, then soared 12457 bps in 2023.
- Bread Financial Holdings' FCF Margin stood at 102.42% in 2022, then soared by 122 bps to 22.15% in 2023, then soared by 133 bps to 51.57% in 2024, then advanced by 13 bps to 58.26% in 2025, then slipped by 8 bps to 53.68% in 2026.
- Business Quant data shows BFH's FCF Margin at 53.68% in Q2 2026, 47.84% in Q1 2026, and 58.26% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 52.76% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 37.82% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 50.96% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 20.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | -1,112.06% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 50.23% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | -327.16% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 59.19% |
| 10 | Bread Financial Holdings | 4.09 Bn | -15.99 Bn | 957.00 Mn | 53.68% |
Historic Data
Download Data
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 | 51.57% |
| Sep 30, 2024 | 8.24% |
| Jun 30, 2024 | 50.80% |
| Mar 31, 2024 | 45.11% |
| Dec 31, 2023 | 22.15% |
| Sep 30, 2023 | 61.01% |
| Jun 30, 2023 | 36.03% |
| Mar 31, 2023 | 24.59% |
| Dec 31, 2022 | -102.42% |
| Sep 30, 2022 | 62.10% |
| Jun 30, 2022 | -0.34% |
| Mar 31, 2022 | 53.96% |
| Dec 31, 2021 | 37.85% |
| Sep 30, 2021 | 48.30% |