Bread Financial Holdings (BFH) Gross Margin (2009 - 2021)
Bread Financial Holdings (BFH) recorded Gross Margin of 42.51% in Q3 2021, down 11.54 percentage points from 54.05% a year earlier but up 7.24 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Gross Margin (2009 - 2021) Analysis & Trends
On a TTM basis, Bread Financial Holdings' Gross Margin came in at 40.92% as of Sep 30, 2021, down 14.35 percentage points year-over-year; for FY2020, it came in at 37.01%, up 3.38 percentage points from FY2019.
- Annual Gross Margin has a five-year change of -3.75 percentage points (FY2015 to FY2020).
- Across earlier years, Gross Margin came in at 33.63% in FY2019 (-21.59 pp), 55.23% in FY2018 (+0.33 pp), 54.89% in FY2017 (+14.81 pp) and 40.08% in FY2016 (-0.68 pp).
- Quarterly Gross Margin has ranged from 34.38% in Q4 2016 to 131.03% in Q4 2017 over the past five years.
- On a year-over-year basis, Gross Margin has declined for four consecutive quarters, with an average year-over-year change of -5.81 percentage points over the last eight quarters.
- Peak year-over-year performance for Gross Margin in the last five years was a gain of 96.65 percentage points in Q4 2017, against a drop of 78.68 percentage points in Q4 2018 at the low end.
- Per Business Quant, the preceding three quarters came in at 35.27% (Q2 2021), 37.97% (Q1 2021) and 45.70% (Q4 2020).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | - |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 86.66% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | - |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | - |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | - |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2021 | 42.51% |
| Jun 30, 2021 | 35.27% |
| Mar 31, 2021 | 37.97% |
| Dec 31, 2020 | 45.70% |
| Sep 30, 2020 | 54.05% |
| Jun 30, 2020 | 49.68% |
| Mar 31, 2020 | 63.87% |
| Dec 31, 2019 | 51.73% |
| Sep 30, 2019 | 52.18% |
| Jun 30, 2019 | 51.44% |
| Mar 31, 2019 | 51.99% |
| Dec 31, 2018 | 52.35% |
| Sep 30, 2018 | 54.05% |
| Jun 30, 2018 | 57.52% |
| Mar 31, 2018 | 57.18% |
| Dec 31, 2017 | 131.03% |
| Sep 30, 2017 | 44.23% |
| Jun 30, 2017 | 44.32% |
| Mar 31, 2017 | 44.54% |
| Dec 31, 2016 | 34.38% |
API Access
Bread Financial Holdings Gross Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=gross-margin&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "gross-margin", "ticker": "BFH", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=gross-margin&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();