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

Bread Financial Holdings (BFH) has reported Operating Margin for 18 consecutive years, with 50.2% the latest figure, recorded in Q1 2026.

• In Q1 2026, Operating Margin rose 298.0% year-over-year to 50.2%; the TTM figure through Mar 2026 stood at 45.16% (up 303.0% YoY), while the FY2025 annual figure was 44.4%, up 190.0% from the prior year.
• Operating Margin came in at 50.2% for Q1 2026 at Bread Financial Holdings, 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.
• The largest YoY upside for Operating Margin was 17465 bps in 2022 against a maximum downside of 2052 bps in 2022.
• Year by year, Operating Margin stood at 41.43% in 2022, then grew by 8 bps to 44.69% in 2023, then fell by 17 bps to 36.97% in 2024, then increased by 4 bps to 38.56% in 2025, then surged by 30 bps to 50.2% in 2026.
• According to Business Quant data, Operating Margin over the past three periods registered 50.2%, 38.56%, and 47.06% for Q1 2026, Q4 2025, and Q3 2025 respectively.