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

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	13.5%+6.3pp	7.2%-9.5pp	16.7%—	——
EBITDA margin	40.3%+2.3pp	38%-7.8pp	45.8%—	——
Returns
Return on equity	16.3%+7.0pp	9.2%-18.4pp	27.7%—	——
Return on assets	2.3%+1.1pp	1.2%-1.8pp	3%—	——
Efficiency
Asset turnover	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×
Leverage
Debt-to-equity	0×-1.8×	1.9×0.0×	1.9×-1.7×	3.6×+3.5×
Debt-to-assets	0×-0.2×	0.2×0.0×	0.2×-0.1×	0.3×+0.3×
Net debt / EBITDA	-2.3×-3.6×	1.4×+0.4×	0.9×—	——
Interest coverage	1.7×+0.3×	1.4×-0.7×	2.1×—	——
Per Share
Book value per share	$69.90+15.5%	$60.54+3.7%	$58.36+28.8%	$45.30+8.6%
Valuation
Market capitalization	$3.38B+11.2%	$3.04B+86.8%	$1.62B-13.4%	$1.88B-43.4%
Enterprise value	-$167.23M-103%	$5.01B+45.2%	$3.45B-43.3%	$6.08B+1,398%
Price / earnings	6.5×-4.5×	11×+8.7×	2.3×—	——
Price / sales	0.9×+0.1×	0.8×+0.4×	0.4×-0.1×	0.5×-0.5×
Price / book	1×0.0×	1×+0.4×	0.6×-0.3×	0.8×-0.8×
EV / EBITDA	-0.1×-3.5×	3.4×+1.7×	1.8×—	——
EV / sales	-0×-1.3×	1.3×+0.5×	0.8×-0.8×	1.6×+1.7×
Earnings yield	15.4%+6.3pp	9.1%-35.0pp	44.1%—	——
PEG ratio	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.