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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)

Bread Financial Holdings (BFH) has 17 years of Operating Margin data on record, last reported at 38.77% in Q4 2025.

  • For Q4 2025, Operating Margin rose 180.0% year-over-year to 38.77%; the TTM value through Dec 2025 reached 44.4%, up 190.0%, while the annual FY2025 figure was 44.4%, 190.0% up from the prior year.
  • Operating Margin reached 38.77% in Q4 2025 per BFH's latest filing, down from 47.06% in the prior quarter.
  • Across five years, Operating Margin topped out at 62.73% in Q1 2021 and bottomed at 133.36% in Q4 2021.
  • Average Operating Margin over 5 years is 37.52%, with a median of 45.42% recorded in 2021.
  • Peak YoY movement for Operating Margin: crashed -63256bps in 2021, then surged 17479bps in 2022.
  • A 5-year view of Operating Margin shows it stood at 133.36% in 2021, then surged by 131bps to 41.43% in 2022, then grew by 8bps to 44.69% in 2023, then fell by -17bps to 36.97% in 2024, then increased by 5bps to 38.77% in 2025.
  • Per Business Quant database, its latest 3 readings for Operating Margin were 38.77% in Q4 2025, 47.06% in Q3 2025, and 44.56% in Q2 2025.