stockrowBread Financial Holdings, Inc.
Bread Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, down 1.90% from fiscal 2024.
- Revenue
- +2.96%
- EPS
- −1.26%
- Free cash flow
- +0.17%
- Total debt
- −17.2%
Quarter to September 2026, against a year earlier
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Bread Financial Holdings, Inc. (BFH) Gross margin
Bread Financial Holdings, Inc.'s gross margin over the twelve months to 30 September 2026 was 100.0%, down 0.0 percentage points from fiscal 2025 (100.0%). Over the past ten years it has ranged from 40.1% (fiscal 2016) to 100.0% (fiscal 2025) — the current reading is the highest in ten years. That is above the Credit Services industry median of 76.6% and above the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 100.0% | 0.00 |
| FY2024 | 100.0% | 0.00 |
| FY2023 | 100.0% | 0.00 |
| FY2022 | 100.0% | 0.00 |
| FY2021 | 100.0% | 0.00 |
| FY2020 | 100.0% | 0.00 |
| FY2019 | 100.0% | 44.77 |
| FY2018 | 55.2% | 0.34 |
| FY2017 | 54.9% | 14.81 |
| FY2016 | 40.1% | (0.69) |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 100.0% | 0.00 |
| Jun 2026 | 100.0% | 0.00 |
| Mar 2026 | 100.0% | 0.00 |
| Dec 2025 | 100.0% | 0.00 |
| 43 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| BFH Bread Financial Holdings, Inc. | 100.0% |
| CACC Credit Acceptance Corporation compare | 100.0% |
| UPST Upstart Holdings, Inc. compare | 82.3% |
| OMF OneMain Holdings, Inc. compare | 79.8% |
| NNI Nelnet, Inc. compare | 78.3% |
| SLM SLM Corporation compare | 62.0% |
| ENVA Enova International, Inc. compare | 60.6% |
| AGM Federal Agricultural Mortgage Corporation compare | 25.9% |
| SEZL Sezzle Inc. compare | 0.00% |
| Credit Services industry median | 76.6% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
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- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
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- Piotroski F-score
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