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Ratios
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 - 2026)

Bread Financial Holdings has reported Net Margin over the past 18 years, most recently at 17.58% for Q1 2026.

  • For Q1 2026, Net Margin rose 336.0% year-over-year to 17.58%; the TTM value through Mar 2026 reached 4.62%, up 103.0%, while the annual FY2025 figure was 0.08%, 3.0% down from the prior year.
  • Net Margin for Q1 2026 was 17.58% at Bread Financial Holdings, up from 0.1% in the prior quarter.
  • Over five years, Net Margin peaked at 22.8% in Q1 2022 and troughed at 1.68% in Q2 2023.
  • A 5-year average of 6.14% and a median of 0.1% in 2025 define the central range for Net Margin.
  • Biggest five-year swings in Net Margin: crashed -3452bps in 2022 and later soared 1433bps in 2025.
  • Year by year, Net Margin stood at 13.69% in 2022, then crashed by -101bps to 0.1% in 2023, then dropped by -3bps to 0.1% in 2024, then soared by 201bps to 0.1% in 2025, then surged by 17044bps to 17.58% in 2026.
  • Business Quant data shows Net Margin for BFH at 17.58% in Q1 2026, 0.1% in Q4 2025, and 14.23% in Q1 2025.