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

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM 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
Returns
Return on equity	17.6%+1.3pp	16.3%+1.6pp	14.7%+5.7pp	9%-0.2pp	9.2%-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×
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×

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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.