Bread Financial Holdings (BFH) FCF Margin (2009 - 2026)
Bread Financial Holdings (BFH) posted quarterly FCF Margin of 47.84% for Q1 2026, up 732.0% year-over-year from 5.75% in Q1 2025, and down 17.88% on a QoQ basis from 58.26% in Q4 2025.
Bread Financial Holdings (BFH) FCF Margin (2009 - 2026) Analysis & Trends
Bread Financial Holdings (BFH) has reported FCF Margin for 18 consecutive years, with 47.84% the latest figure, recorded in Q1 2026.
- In Q1 2026, FCF Margin rose 732.0% year-over-year to 47.84%; the TTM figure through Mar 2026 stood at 56.15% (up 1874.0% YoY), while the FY2025 annual figure was 54.41%, up 1579.0% from the prior year.
- FCF Margin came in at 47.84% for Q1 2026 at Bread Financial Holdings, down from 58.26% 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 34.02%, with a median of 47.84% recorded in 2026.
- Across the five-year window, FCF Margin slumped 14027 bps in 2022 and jumped 12457 bps in 2023, its largest moves.
- Year by year, FCF Margin stood at 102.42% in 2022, then jumped by 122 bps to 22.15% in 2023, then jumped by 133 bps to 51.57% in 2024, then rose by 13 bps to 58.26% in 2025, then retreated by 18 bps to 47.84% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 47.84%, 58.26%, and 62.31% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 23.37% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 33.56% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 14.04% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 10.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 6,779.64% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -216.52% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 65.22% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 46.37% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.37% |
| 10 | Bread Financial Holdings | 4.51 Bn | 875.83 Mn | 983.00 Mn | 47.84% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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% |
| Jun 30, 2021 | 25.26% |