Bread Financial Holdings (BFH) Operating Margin (2009 - 2021)
Bread Financial Holdings' Operating Margin was 44.98% in Q3 2021, up 17.28 percentage points from 27.70% a year earlier but down 16.97 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Operating Margin (2009 - 2021) Analysis & Trends
On a trailing twelve-month basis, Bread Financial Holdings' Operating Margin was 45.87% through Sep 30, 2021, up 26.61 percentage points year-over-year; for FY2020, it was 26.94%, down 5.34 percentage points from FY2019.
- Operating Margin shows a five-year change of +7.34 percentage points (FY2015 to FY2020).
- In earlier years, Operating Margin was 32.28% in FY2019 (+1.27 pp), 31.01% in FY2018 (+3.29 pp), 27.73% in FY2017 (+10.00 pp) and 17.73% in FY2016 (-1.87 pp).
- Quarterly Operating Margin has moved between 9.83% (Q4 2016) and 62.73% (Q1 2021) over five years.
- Compared with a year earlier, Operating Margin has increased for five straight quarters, with an average year-over-year change of +10.67 percentage points over the last eight quarters.
- The best year-over-year quarter for Operating Margin over five years was Q1 2021 (a gain of 50.86 percentage points); the worst was Q1 2020 (a drop of 14.88 percentage points).
- Per Business Quant data, BFH's Operating Margin in the three quarters before Q3 2021 was 61.95% (Q2 2021), 62.73% (Q1 2021) and 23.31% (Q4 2020).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | - |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 59.53% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 62.13% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | - |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 14.82% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | - |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2021 | 44.98% |
| Jun 30, 2021 | 61.95% |
| Mar 31, 2021 | 62.73% |
| Dec 31, 2020 | 23.31% |
| Sep 30, 2020 | 27.70% |
| Jun 30, 2020 | 17.84% |
| Mar 31, 2020 | 11.87% |
| Dec 31, 2019 | 21.15% |
| Sep 30, 2019 | 21.16% |
| Jun 30, 2019 | 25.01% |
| Mar 31, 2019 | 26.75% |
| Dec 31, 2018 | 34.72% |
| Sep 30, 2018 | 33.71% |
| Jun 30, 2018 | 28.39% |
| Mar 31, 2018 | 26.95% |
| Dec 31, 2017 | 21.97% |
| Sep 30, 2017 | 25.04% |
| Jun 30, 2017 | 19.29% |
| Mar 31, 2017 | 18.75% |
| Dec 31, 2016 | 9.83% |
API Access
Bread Financial Holdings Operating Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=operating-margin&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-margin", "ticker": "BFH", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=operating-margin&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();