Bread Financial Holdings (BFH) Net Margin (2009 - 2026)
Bread Financial Holdings (BFH) reported Net Margin of 14.75% for Q3 2026, down 4.61 percentage points from 19.36% a year earlier but up 0.25 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Net Margin (2009 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Bread Financial Holdings' Net Margin came in at 13.17%, up 0.73 percentage points year-over-year; for FY2025, it came in at 13.47%, up 6.25 percentage points from FY2024.
- Net Margin has a five-year change of +6.98 percentage points (FY2020 to FY2025).
- By year, Net Margin came in at 7.22% in FY2024 (-9.52 pp), 16.74% in FY2023 (+10.91 pp), 5.83% in FY2022 (-18.65 pp) and 24.48% in FY2021 (+17.99 pp).
- Five-year quarterly Net Margin spans a low of -12.97% in Q4 2022 and a high of 35.30% in Q1 2023.
- Year over year, Net Margin gained in five of the last eight quarters, with an average year-over-year change of +2.53 percentage points.
- The high point for year-over-year Net Margin in five years was Q3 2025 (a gain of 19.16 percentage points); the low point was Q2 2022 (a drop of 34.52 percentage points).
- Per Business Quant data, the three quarters before Q3 2026 came in at 14.50% (Q2 2026), 17.58% (Q1 2026) and 5.54% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 21.59% |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 20.96% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 12.38% |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 52.47% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 17.58% |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 13.01% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | -121.54% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | 41.81% |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 14.75% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 14.75% |
| Jun 30, 2026 | 14.50% |
| Mar 31, 2026 | 17.58% |
| Dec 31, 2025 | 5.54% |
| Sep 30, 2025 | 19.36% |
| Jun 30, 2025 | 14.96% |
| Mar 31, 2025 | 14.23% |
| Dec 31, 2024 | 0.76% |
| Sep 30, 2024 | 0.20% |
| Jun 30, 2024 | 14.16% |
| Mar 31, 2024 | 13.52% |
| Dec 31, 2023 | 4.23% |
| Sep 30, 2023 | 16.59% |
| Jun 30, 2023 | 5.04% |
| Mar 31, 2023 | 35.30% |
| Dec 31, 2022 | -12.97% |
| Sep 30, 2022 | 13.69% |
| Jun 30, 2022 | 1.34% |
| Mar 31, 2022 | 22.80% |
| Dec 31, 2021 | 2.10% |
API Access
Bread Financial Holdings Net 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=net-margin&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();