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Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Bread Financial Holdings (BFH) Gross Margin (2016 - 2026)

Bread Financial Holdings has reported Gross Margin over the past 18 years, most recently at 96.56% for Q1 2026.

  • For Q1 2026, Gross Margin rose 17.0% year-over-year to 96.56%; the TTM value through Mar 2026 reached 96.12%, up 16.0%, while the annual FY2025 figure was 96.1%, 7.0% down from the prior year.
  • Gross Margin for Q1 2026 was 96.56% at Bread Financial Holdings, up from 95.49% in the prior quarter.
  • Over five years, Gross Margin peaked at 97.17% in Q1 2024 and troughed at 94.4% in Q2 2022.
  • A 5-year average of 95.96% and a median of 96.13% in 2024 define the central range for Gross Margin.
  • On a YoY basis, Gross Margin climbed as much as 187bps in 2022 and fell as far as -102bps in 2022.
  • Year by year, Gross Margin stood at 94.58% in 2022, then rose by 1bps to 95.47% in 2023, then fell by -1bps to 94.81% in 2024, then grew by 1bps to 95.49% in 2025, then increased by 1bps to 96.56% in 2026.
  • Business Quant data shows Gross Margin for BFH at 96.56% in Q1 2026, 95.49% in Q4 2025, and 96.09% in Q3 2025.