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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) Operating Margin (2016 - 2025)

Historic Operating Margin for Bread Financial Holdings (BFH) over the last 17 years, with Q4 2025 value amounting to 38.56%.

  • Bread Financial Holdings' Operating Margin rose 15900.0% to 38.56% in Q4 2025 from the same period last year, while for Dec 2025 it was 44.34%, marking a year-over-year increase of 18500.0%. This contributed to the annual value of 44.4% for FY2025, which is 19000.0% up from last year.
  • Latest data reveals that Bread Financial Holdings reported Operating Margin of 38.56% as of Q4 2025, which was up 15900.0% from 47.06% recorded in Q3 2025.
  • In the past 5 years, Bread Financial Holdings' Operating Margin ranged from a high of 62.73% in Q1 2021 and a low of 133.21% during Q4 2021
  • Moreover, its 5-year median value for Operating Margin was 45.42% (2021), whereas its average is 37.51%.
  • In the last 5 years, Bread Financial Holdings' Operating Margin crashed by -1565200bps in 2021 and then skyrocketed by 1746500bps in 2022.
  • Bread Financial Holdings' Operating Margin (Quarter) stood at 133.21% in 2021, then skyrocketed by 131bps to 41.43% in 2022, then grew by 8bps to 44.69% in 2023, then decreased by -17bps to 36.97% in 2024, then increased by 4bps to 38.56% in 2025.
  • Its Operating Margin stands at 38.56% for Q4 2025, versus 47.06% for Q3 2025 and 44.56% for Q2 2025.