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.
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.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 52.76% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 37.82% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 64.06% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 20.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 50.23% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | -3,167.36% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -1,839.75% |
| 10 | Bread Financial Holdings | 4.40 Bn | 716.01 Mn | 957.00 Mn | 53.68% |
Historic Data
Download 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% |