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Bread Financial Holdings BFH Net margin

Net margin at other companies

Capital One FinancialCOF

5.5%-6.8pp

PayPal Holdings, Inc.PYPL

15%+0.7pp

Affirm Holdings, Inc.AFRM

9.6%+8.2pp

CVB FinancialCVBF

40.2%-0.3pp

Commerce BancsharesCBSH

31.8%-0.5pp

Enova InternationalENVA

10%+1.6pp

Other financials

Income statement

Revenue$1.0B+4.9%

Gross profit$361.8M—

Operating income$382.8M—

Net income$181.0M+31.2%

EPS (diluted)$4.15+49.3%

Balance sheet

Cash & equivalents$4.0B-6.6%

Total debt$85.0M-98.5%

Total equity$3.3B+8.4%

Total assets$22.3B-0.3%

Cash flow

Operating cash flow$487.0M+23.9%

CapEx$15.0M-40.0%

Free cash flow$482.0M+55.5%

Valuation

Market cap$4.14B+31.3%

P/E7.4×-3.9×

P/S1.1×+0.2×

Profitability

Gross margin52%—

Operating margin45.9%—

FCF margin46.5%+1.9pp

Returns & leverage

Return on equity17.6%+8.4pp

Debt / equity0×-1.8×

Current ratio1.5×—

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

net income/total revenue=14.4%

Based on trailing twelve months.

The official record: Bread Financial Holdings’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bread Financial Holdings's net margin?: Bread Financial Holdings (BFH) reported net margin of 14.4% in Q1 2026.
How has Bread Financial Holdings's net margin changed year-over-year?: Bread Financial Holdings's net margin increased by 96.8% year-over-year, from 7.3% to 14.4%.
What is the long-term trend for Bread Financial Holdings's net margin?: Over 4 years (2020 to 2025), Bread Financial Holdings's net margin has grown at a 30.0% compound annual growth rate (CAGR), from 4.7% to 13.5%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.