Bread Financial Holdings (BFH) Gross Margin (2009 - 2026)
Bread Financial Holdings (BFH) posted quarterly Gross Margin of 96.37% for Q2 2026, up 3.0% year-over-year from 93.57% in Q2 2025, and little changed quarter-over-quarter from 96.56% in Q1 2026.
Bread Financial Holdings (BFH) Gross Margin (2009 - 2026) Analysis & Trends
Bread Financial Holdings' Gross Margin history runs 18 years deep, the most recent figure standing at 96.37% for Q2 2026.
- In Q2 2026, Gross Margin rose 3.0% year-over-year to 96.37%; the TTM figure through Jun 2026 stood at 96.13% (up 20.0% YoY), while the FY2025 annual figure was 96.1%, down 7.0% from the prior year.
- Gross Margin for Q2 2026 stood at 96.37%, roughly flat from 96.56% in the prior quarter.
- The five-year high for Gross Margin was 97.17% in Q1 2024, with the low at 94.4% in Q2 2022.
- The 5-year median for Gross Margin is 96.24% (2024), against an average of 95.98%.
- Peak annual rise in Gross Margin reached 187 bps in 2022, while the deepest fall reached 102 bps in 2022.
- Bread Financial Holdings' Gross Margin stood at 94.58% in 2022, then rose by 1 bps to 95.47% in 2023, then fell by 1 bps to 94.81% in 2024, then grew by 1 bps to 95.49% in 2025, then gained by 1 bps to 96.37% in 2026.
- Business Quant data shows BFH's Gross Margin at 96.37% in Q2 2026, 96.56% in Q1 2026, and 95.49% in Q4 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | - |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | - |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 91.60% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | - |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | - |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | - |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | - |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -32.14% |
| 10 | Bread Financial Holdings | 4.40 Bn | 716.01 Mn | 957.00 Mn | 96.37% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 96.37% |
| Mar 31, 2026 | 96.56% |
| Dec 31, 2025 | 95.49% |
| Sep 30, 2025 | 96.09% |
| Jun 30, 2025 | 96.34% |
| Mar 31, 2025 | 96.39% |
| Dec 31, 2024 | 94.81% |
| Sep 30, 2024 | 96.13% |
| Jun 30, 2024 | 96.49% |
| Mar 31, 2024 | 97.17% |
| Dec 31, 2023 | 95.47% |
| Sep 30, 2023 | 96.51% |
| Jun 30, 2023 | 95.80% |
| Mar 31, 2023 | 96.97% |
| Dec 31, 2022 | 94.58% |
| Sep 30, 2022 | 95.51% |
| Jun 30, 2022 | 94.40% |
| Mar 31, 2022 | 96.63% |
| Dec 31, 2021 | 94.51% |
| Sep 30, 2021 | 95.89% |