Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalMarket CapitalizationNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Bread Financial Holdings (BFH) Operating Margin: 2009-2025

Historic Operating Margin for Bread Financial Holdings (BFH) over the last 17 years, with Sep 2025 value amounting to 47.06%.

  • Bread Financial Holdings' Operating Margin rose 932.00% to 47.06% in Q3 2025 from the same period last year, while for Sep 2025 it was 44.03%, marking a year-over-year decrease of 33.00%. This contributed to the annual value of 42.50% for FY2024, which is 497.00% down from last year.
  • As of Q3 2025, Bread Financial Holdings' Operating Margin stood at 47.06%, which was up 5.61% from 44.56% recorded in Q2 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 3-year median value for Operating Margin was 46.54% (2024), whereas its average is 45.09%.
  • Its Operating Margin has fluctuated over the past 5 years, first crashed by 15,652bps in 2021, then soared by 17,465bps in 2022.
  • Bread Financial Holdings' Operating Margin (Quarterly) stood at -133.21% in 2021, then soared by 17,465bps to 41.43% in 2022, then surged by 325bps to 44.69% in 2023, then slumped by 771bps to 36.97% in 2024, then skyrocketed by 932bps to 47.06% in 2025.
  • Its last three reported values are 47.06% in Q3 2025, 44.56% for Q2 2025, and 47.22% during Q1 2025.