Bread Financial Holdings (BFH) Net Margin (2009 - 2026)
Bread Financial Holdings (BFH) posted quarterly Net Margin of 14.5% for Q2 2026, down 46.0% year-over-year from 26.85% in Q2 2025, and down 17.53% quarter-over-quarter from 17.58% in Q1 2026.
Bread Financial Holdings (BFH) Net Margin (2009 - 2026) Analysis & Trends
Bread Financial Holdings' Net Margin history runs 18 years deep, the most recent figure standing at 14.5% for Q2 2026.
- In Q2 2026, Net Margin fell 46.0% year-over-year to 14.5%; the TTM figure through Jun 2026 stood at 8.19% (up 94.0% YoY), while the FY2025 annual figure was 0.08%, down 3.0% from the prior year.
- Net Margin for Q2 2026 stood at 14.5%, down from 17.58% in the prior quarter.
- The five-year high for Net Margin was 22.8% in Q1 2022, with the low at 1.68% in Q2 2023.
- The 5-year median for Net Margin is 1.34% (2022), against an average of 7.46%.
- The sharpest annual moves came in 2022 and 2025: Net Margin tumbled 3452 bps in 2022, then surged 1433 bps in 2025.
- Bread Financial Holdings' Net Margin stood at 13.69% in 2022, then plunged by 101 bps to 0.1% in 2023, then dropped by 3 bps to 0.1% in 2024, then soared by 201 bps to 0.1% in 2025, then soared by 14039 bps to 14.5% in 2026.
- Business Quant data shows BFH's Net Margin at 14.5% in Q2 2026, 17.58% in Q1 2026, and 0.1% in Q4 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 48.38% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 47.30% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 23.28% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 12.72% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 17.93% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 9.91% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 128.75% |
| 10 | Bread Financial Holdings | 4.40 Bn | 716.01 Mn | 957.00 Mn | 14.50% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 14.50% |
| Mar 31, 2026 | 17.58% |
| Dec 31, 2025 | 0.10% |
| Jun 30, 2025 | 14.96% |
| Mar 31, 2025 | 14.23% |
| Sep 30, 2024 | -0.10% |
| Mar 31, 2024 | -0.10% |
| Dec 31, 2023 | -0.10% |
| Sep 30, 2023 | -0.19% |
| Jun 30, 2023 | -1.68% |
| Sep 30, 2022 | 13.69% |
| Jun 30, 2022 | 1.34% |
| Mar 31, 2022 | 22.80% |
| Dec 31, 2021 | -4.91% |
| Sep 30, 2021 | 26.32% |
| Jun 30, 2021 | 35.86% |
| Mar 31, 2021 | 35.66% |
| Dec 31, 2020 | -7.33% |
| Sep 30, 2020 | 12.69% |
| Jun 30, 2020 | 3.92% |