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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)

Bread Financial Holdings (BFH) has 17 years of Gross Margin data on record, last reported at 95.59% in Q4 2025.

  • For Q4 2025, Gross Margin rose 78.0% year-over-year to 95.59%; the TTM value through Dec 2025 reached 96.1%, down 7.0%, while the annual FY2025 figure was 96.1%, 7.0% down from the prior year.
  • Gross Margin reached 95.59% in Q4 2025 per BFH's latest filing, down from 96.09% in the prior quarter.
  • Across five years, Gross Margin topped out at 97.17% in Q1 2024 and bottomed at 35.27% in Q2 2021.
  • Average Gross Margin over 5 years is 92.77%, with a median of 95.78% recorded in 2023.
  • The widest YoY moves for Gross Margin: up 116781bps in 2021, down -1440bps in 2021.
  • A 5-year view of Gross Margin shows it stood at 94.5% in 2021, then grew by 0bps to 94.58% in 2022, then grew by 1bps to 95.47% in 2023, then dropped by -1bps to 94.81% in 2024, then grew by 1bps to 95.59% in 2025.
  • Per Business Quant database, its latest 3 readings for Gross Margin were 95.59% in Q4 2025, 96.09% in Q3 2025, and 96.34% in Q2 2025.