Bread Financial Holdings (BFH) Operating Margin (2009 - 2026)

Bread Financial Holdings has reported Operating Margin for 18 years, with the latest figure at 50.2% in Q1 2026.

• For the quarter ending Q1 2026, Operating Margin rose 298.0% year-over-year to 50.2%; the trailing twelve-month figure through Mar 2026 stood at 45.16% (up 303.0% YoY), and the FY2025 full-year result was 44.4%, up 190.0% from the prior year.
• Operating Margin for Q1 2026 stood at 50.2%, up from 38.56% in the prior quarter.
• The five-year high for Operating Margin was 54.77% in Q1 2023, with the low at 36.97% in Q4 2024.
• Average Operating Margin over 5 years is 44.94%, with a median of 45.86% recorded in 2022.
• Peak annual rise in Operating Margin reached 17465 bps in 2022, while the deepest fall reached 2052 bps in 2022.
• Tracing BFH's Operating Margin over 5 years: stood at 41.43% in 2022, then advanced by 8 bps to 44.69% in 2023, then dropped by 17 bps to 36.97% in 2024, then climbed by 4 bps to 38.56% in 2025, then soared by 30 bps to 50.2% in 2026.
• The last three Operating Margin figures came in at 50.2% (Q1 2026), 38.56% (Q4 2025), and 47.06% (Q3 2025), per Business Quant data.