What is Bread Financial Holdings's operating margin?

Bread Financial Holdings (BFH) reported operating margin of 45.9% in Q3 2021.

What does operating margin mean?

Operating income as a percentage of revenue (trailing twelve months). Captures profitability from core operations after both cost of revenue and operating expenses, but before interest and taxes.

Bread Financial Holdings BFH Operating margin

Discontinued — last reported Q3 '21

Operating margin at other companies

PayPal Holdings, Inc.PYPL

17.9%0.0pp

Affirm Holdings, Inc.AFRM

-7.3%-3.2pp

Enova InternationalENVA

23.6%+1.2pp

MastercardMA

57.9%+2.4pp

Global PaymentsGPN

15.3%-10.4pp

SezzleSEZL

40.7%+4.8pp

Other financials

Income statement

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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

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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

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Operating cash flow$487.0M+23.9%

CapEx$15.0M-40.0%

Free cash flow$482.0M+55.5%

Valuation

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Market cap$4.14B+31.3%

P/E7.4×-3.9×

P/S1.1×+0.2×

Profitability

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Gross margin52%—

Net margin14.4%+7.1pp

FCF margin46.5%+1.9pp

Returns & leverage

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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.

operating income/total revenue=45.9%

Based on trailing twelve months.

The official record: Bread Financial Holdings’s 10-Q, filed November 4, 2022, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bread Financial Holdings's operating margin?: Bread Financial Holdings (BFH) reported operating margin of 45.9% in Q3 2021.
What does operating margin mean?: Operating income as a percentage of revenue (trailing twelve months). Captures profitability from core operations after both cost of revenue and operating expenses, but before interest and taxes.