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%+7.1pp	13.5%+6.3pp	12.4%+4.5pp	7.5%—	7.3%—
EBITDA margin	40.1%+2.3pp	40.3%+2.3pp	40.5%+2.7pp	37.1%—	37.8%—
Returns
Return on equity	17.6%+8.4pp	16.3%+7.0pp	14.7%+4.2pp	9%—	9.2%—
Return on assets	2.5%+1.3pp	2.3%+1.1pp	2.2%+0.7pp	1.3%—	1.3%—
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×+0.4×	1.7×+0.3×	1.6×+0.2×	1.4×—	1.4×—
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×—	8.8×—
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×
Earnings yield	17.4%+6.0pp	15.4%+6.3pp	18.1%+4.9pp	11%—	11.4%—

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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.