What are Bread Financial Holdings's profit margins?

Bread Financial Holdings (BFH) runs a 52.0% gross margin and a 45.9% operating margin, with a 14.4% net margin.

Where do Bread Financial Holdings's ratios come from?

Every ratio is computed from Bread Financial Holdings's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Bread Financial Holdings BFH Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	14.4%+7.1pp	13.5%+6.3pp	12.4%+4.5pp	7.5%-4.6pp	7.3%-2.6pp
Returns
Return on equity	17.6%+8.4pp	16.3%+7.0pp	14.7%+4.2pp	9%-7.3pp	9.2%-4.6pp
Efficiency
Asset turnover	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×
Per Share
Book value per share	$76.97+24.4%	$69.90+15.5%	$69.83+14.4%	$67.08+6.2%	$61.85+1.4%
Valuation
Market capitalization	$3.23B+31.3%	$3.38B+11.2%	$2.6B+10.1%	$2.6B+17.5%	$2.46B+33.6%
Price / earnings	5.7×-3.0×	6.5×-4.5×	5.5×-2.1×	9.1×+4.5×	8.8×+4.1×
Price / sales	0.8×+0.2×	0.9×+0.1×	0.7×+0.1×	0.7×+0.1×	0.6×+0.2×
Price / book	1×+0.2×	1×0.0×	0.8×0.0×	0.8×+0.1×	0.8×+0.2×

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about Bread Financial Holdings.

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

Questions, answered.

What are Bread Financial Holdings's profit margins?: Bread Financial Holdings (BFH) runs a 52.0% gross margin and a 45.9% operating margin, with a 14.4% net margin.
Where do Bread Financial Holdings's ratios come from?: Every ratio is computed from Bread Financial Holdings's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.