Bread Financial Holdings (BFH) FCF Margin (2009 - 2026)
Bread Financial Holdings (BFH) posted FCF Margin of 53.68% for Q2 2026, up 12.2% on a QoQ basis from 47.84% in Q1 2026, and down 294.0% year-over-year from 27.67% in Q2 2025.
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Bread Financial Holdings (BFH) FCF Margin (2009 - 2026) Analysis & Trends
Bread Financial Holdings has reported FCF Margin for 18 years, with the latest figure at 53.68% in Q2 2026.
- On a quarterly basis, FCF Margin fell 294.0% year-over-year to 53.68% in Q2 2026; TTM through Jun 2026 was 55.42%, a 1662.0% increase from a year earlier, with the FY2025 full-year figure at 54.41%, up 1579.0% from the prior year.
- FCF Margin was 53.68% for Q2 2026 at Bread Financial Holdings, 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.
- Average FCF Margin over 5 years is 35.11%, with a median of 49.32% recorded in 2024.
- The sharpest annual moves came in 2022 and 2023: FCF Margin plunged 14027 bps in 2022, then surged 12457 bps in 2023.
- Over 5 years, FCF Margin stood at 102.42% in 2022, then surged by 122 bps to 22.15% in 2023, then surged by 133 bps to 51.57% in 2024, then grew by 13 bps to 58.26% in 2025, then declined by 8 bps to 53.68% in 2026.
- The last three FCF Margin figures came in at 53.68% (Q2 2026), 47.84% (Q1 2026), and 58.26% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 50.23% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | -1,112.06% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 7.73% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 52.42% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -31.97% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 57.21% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 53.68% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 51.85% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 7.85% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 80.79% |
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% |