Bread Financial Holdings (BFH) Return on Sales [ROS] (2009 - 2026)
Bread Financial Holdings (BFH) posted Return on Sales [ROS] of 39.48% for Q2 2026, down 2.93 percentage points from 42.41% a year earlier and down 3.35 percentage points from the prior quarter.
Bread Financial Holdings (BFH) Return on Sales [ROS] (2009 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Return on Sales [ROS] at Bread Financial Holdings was 37.40%, up 3.25 percentage points year-over-year; for FY2025, it came in at 38.21%, up 3.27 percentage points from FY2024.
- Annual Return on Sales [ROS] shows a five-year change of +11.27 percentage points (FY2020 to FY2025).
- In prior years, Bread Financial Holdings' Return on Sales [ROS] was 34.94% in FY2024 (-8.12 pp), 43.06% in FY2023 (+22.08 pp), 20.99% in FY2022 (-22.62 pp) and 43.61% in FY2021 (+16.67 pp).
- Quarterly Return on Sales [ROS] has run from a low of -1.26% in Q4 2022 to a high of 66.41% in Q1 2023 over five years.
- On a year-over-year basis, Return on Sales [ROS] increased in two of the last eight quarters, with an average year-over-year change of -0.97 percentage points.
- The strongest year-over-year quarter for Return on Sales [ROS] in the past five years was Q4 2023, with a gain of 26.46 percentage points; the weakest was Q2 2022, with a drop of 49.52 percentage points.
- According to Business Quant data, Return on Sales [ROS] for the three prior quarters was 42.83% (Q1 2026), 25.23% (Q4 2025) and 41.81% (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROS (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 44.05 Bn | 29.73 Bn | - | 23.53% |
| 2 | Orix | 40.96 Bn | 10.18 Bn | 12.74 Bn | 6.19% |
| 3 | Royalty Pharma | 36.72 Bn | 36.63 Bn | - | 19.75% |
| 4 | Affirm Holdings | 23.63 Bn | 17.32 Bn | - | 12.63% |
| 5 | Federal National Mortgage Association Fannie Mae | 23.47 Bn | 23.47 Bn | - | 507.88% |
| 6 | Synchrony Financial | 22.90 Bn | -44.72 Bn | - | 43.96% |
| 7 | Royal Gold | 19.26 Bn | 18.48 Bn | 390.45 Mn | 62.13% |
| 8 | Annaly Capital Management | 13.77 Bn | 4.86 Bn | - | 278.44% |
| 9 | Ares Capital | 13.38 Bn | 10.82 Bn | - | - |
| 10 | Bread Financial Holdings | 3.87 Bn | -10.82 Bn | - | 39.48% |
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 39.48% |
| Mar 31, 2026 | 42.83% |
| Dec 31, 2025 | 25.23% |
| Sep 30, 2025 | 41.81% |
| Jun 30, 2025 | 42.41% |
| Mar 31, 2025 | 43.51% |
| Dec 31, 2024 | 22.05% |
| Sep 30, 2024 | 28.48% |
| Jun 30, 2024 | 44.83% |
| Mar 31, 2024 | 44.00% |
| Dec 31, 2023 | 25.20% |
| Sep 30, 2023 | 43.06% |
| Jun 30, 2023 | 30.57% |
| Mar 31, 2023 | 66.41% |
| Dec 31, 2022 | -1.26% |
| Sep 30, 2022 | 32.89% |
| Jun 30, 2022 | 12.43% |
| Mar 31, 2022 | 41.37% |
| Dec 31, 2021 | 17.41% |
| Sep 30, 2021 | 44.98% |
Bread Financial Holdings Return on Sales [ROS] 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=return-on-sales-%5Bros%5D&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-sales-[ros]", "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=return-on-sales-%5Bros%5D&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();