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%+0.9pp	13.5%+1.1pp	12.4%+4.9pp	7.5%+0.2pp	7.3%+0.1pp
EBITDA margin	40.1%-0.2pp	40.3%-0.2pp	40.5%+3.4pp	37.1%-0.7pp	37.8%-0.2pp
Returns
Return on equity	17.6%+1.3pp	16.3%+1.6pp	14.7%+5.7pp	9%-0.2pp	9.2%-0.1pp
Return on assets	2.5%+0.2pp	2.3%+0.1pp	2.2%+0.9pp	1.3%0.0pp	1.3%+0.1pp
Efficiency
Asset turnover	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×
Leverage
Interest coverage	1.8×+0.1×	1.7×+0.1×	1.6×+0.2×	1.4×0.0×	1.4×0.0×
Per Share
Book value per share	$76.97+10.1%	$69.90+0.1%	$69.83+4.1%	$67.08+8.4%	$61.85+2.2%
Valuation
Market capitalization	$3.23B-4.4%	$3.38B+29.8%	$2.6B+0.2%	$2.6B+5.6%	$2.46B-19.0%
Price / earnings	5.7×-0.8×	6.5×+1.0×	5.5×-3.6×	9.1×+0.3×	8.8×-2.2×
Price / sales	0.8×0.0×	0.9×+0.2×	0.7×0.0×	0.7×0.0×	0.6×-0.1×
Price / book	1×0.0×	1×+0.2×	0.8×0.0×	0.8×0.0×	0.8×-0.2×
Earnings yield	17.4%+2.0pp	15.4%-2.8pp	18.1%+7.1pp	11%-0.4pp	11.4%+2.3pp
PEG ratio	0.1×0.0×	0.1×0.0×	0.1×—	——	——

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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.