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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) Net Margin (2016 - 2025)

Bread Financial Holdings (BFH) has 17 years of Net Margin data on record, last reported at 0.1% in Q4 2025.

  • For Q4 2025, Net Margin changed N/A year-over-year to 0.1%; the TTM value through Dec 2025 reached 0.08%, down 3.0%, while the annual FY2025 figure was 0.08%, 3.0% down from the prior year.
  • Net Margin reached 0.1% in Q4 2025 per BFH's latest filing, up from 0.41% in the prior quarter.
  • Across five years, Net Margin topped out at 35.86% in Q2 2021 and bottomed at 1.68% in Q2 2023.
  • Average Net Margin over 5 years is 8.02%, with a median of 0.0% recorded in 2025.
  • Peak YoY movement for Net Margin: soared 3349bps in 2021, then plummeted -3577bps in 2022.
  • A 5-year view of Net Margin shows it stood at 1.99% in 2021, then surged by 588bps to 13.69% in 2022, then plummeted by -101bps to 0.1% in 2023, then decreased by -3bps to 0.1% in 2024, then skyrocketed by 201bps to 0.1% in 2025.
  • Per Business Quant database, its latest 3 readings for Net Margin were 0.1% in Q4 2025, 0.41% in Q1 2025, and 0.1% in Q3 2024.