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

Bread Financial Holdings (BFH) Gross Margin: 2009-2025

Historic Gross Margin for Bread Financial Holdings (BFH) over the last 17 years, with Sep 2025 value amounting to 96.09%.

  • Bread Financial Holdings' Gross Margin fell 5.00% to 96.09% in Q3 2025 from the same period last year, while for Sep 2025 it was 95.92%, marking a year-over-year decrease of 39.00%. This contributed to the annual value of 96.17% for FY2024, which is 8.00% down from last year.
  • Per Bread Financial Holdings' latest filing, its Gross Margin stood at 96.09% for Q3 2025, which was down 0.26% from 96.34% recorded in Q2 2025.
  • Bread Financial Holdings' Gross Margin's 5-year high stood at 97.17% during Q1 2024, with a 5-year trough of 94.40% in Q2 2022.
  • Over the past 3 years, Bread Financial Holdings' median Gross Margin value was 96.34% (recorded in 2025), while the average stood at 96.20%.
  • The largest annual percentage gain for Bread Financial Holdings' Gross Margin in the last 5 years was 4,574bps (2021), contrasted with its biggest fall of 12,549bps (2021).
  • Bread Financial Holdings' Gross Margin (Quarterly) stood at 94.51% in 2021, then grew by 7bps to 94.58% in 2022, then spiked by 89bps to 95.47% in 2023, then slumped by 66bps to 94.81% in 2024, then declined by 5bps to 96.09% in 2025.
  • Its Gross Margin stands at 96.09% for Q3 2025, versus 96.34% for Q2 2025 and 96.39% for Q1 2025.