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

Bread Financial Holdings' Operating Margin history runs 18 years deep, the most recent figure standing at 47.73% for Q2 2026.

• In Q2 2026, Operating Margin rose 317.0% year-over-year to 47.73%; the TTM figure through Jun 2026 stood at 45.94% (up 431.0% YoY), while the FY2025 annual figure was 44.4%, up 190.0% from the prior year.
• Operating Margin for Q2 2026 stood at 47.73%, down from 50.2% 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.
• The 5-year median for Operating Margin is 46.2% (2022), against an average of 45.09%.
• The sharpest annual moves came in 2022 and 2025: Operating Margin sank 2052 bps in 2022, then jumped 932 bps in 2025.
• Bread Financial Holdings' Operating Margin stood at 41.43% in 2022, then rose by 8 bps to 44.69% in 2023, then decreased by 17 bps to 36.97% in 2024, then gained by 4 bps to 38.56% in 2025, then grew by 24 bps to 47.73% in 2026.
• Business Quant data shows BFH's Operating Margin at 47.73% in Q2 2026, 50.2% in Q1 2026, and 38.56% in Q4 2025.