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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 - 2025)

Historic Gross Margin for Bread Financial Holdings (BFH) over the last 17 years, with Q4 2025 value amounting to 95.49%.

  • Bread Financial Holdings' Gross Margin rose 6800.0% to 95.49% in Q4 2025 from the same period last year, while for Dec 2025 it was 96.07%, marking a year-over-year decrease of 1000.0%. This contributed to the annual value of 96.1% for FY2025, which is 700.0% down from last year.
  • Per Bread Financial Holdings' latest filing, its Gross Margin stood at 95.49% for Q4 2025, which was up 6800.0% from 96.09% recorded in Q3 2025.
  • Over the past 5 years, Bread Financial Holdings' Gross Margin peaked at 97.17% during Q1 2024, and registered a low of 94.4% during Q2 2022.
  • Moreover, its 5-year median value for Gross Margin was 95.84% (2023), whereas its average is 95.77%.
  • Data for Bread Financial Holdings' Gross Margin shows a peak YoY increase of 457400bps (in 2021) and a maximum YoY decrease of -1254900bps (in 2021) over the last 5 years.
  • Quarter analysis of 5 years shows Bread Financial Holdings' Gross Margin stood at 94.51% in 2021, then increased by 0bps to 94.58% in 2022, then increased by 1bps to 95.47% in 2023, then decreased by -1bps to 94.81% in 2024, then grew by 1bps to 95.49% in 2025.
  • Its last three reported values are 95.49% in Q4 2025, 96.09% for Q3 2025, and 96.34% during Q2 2025.