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) Net margin
Bread Financial Holdings, Inc.'s net margin over the twelve months to 30 September 2026 was 11.0%, down 0.0 percentage points from fiscal 2025 (11.0%). Over the past ten years it has ranged from 5.15% (fiscal 2022) to 22.0% (fiscal 2021); the current reading is higher than 64% of that period. That is above the Credit Services industry median of 8.35% and below the Financial sector median of 14.3%.
Net margin, annual
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Annual newest first
| Period | Net margin | Change (points) |
|---|---|---|
| FY2025 | 11.0% | 5.24 |
| FY2024 | 5.79% | (8.75) |
| FY2023 | 14.5% | 9.39 |
| FY2022 | 5.15% | (16.83) |
| FY2021 | 22.0% | 16.34 |
| FY2020 | 5.64% | (0.10) |
| FY2019 | 5.74% | (11.26) |
| FY2018 | 17.0% | 2.59 |
| FY2017 | 14.4% | 7.18 |
| FY2016 | 7.23% | (1.33) |
Quarterly newest first
| Period | Net margin | Change (points) |
|---|---|---|
| Sep 2026 | 12.3% | 0.22 |
| Jun 2026 | 12.1% | (2.66) |
| Mar 2026 | 14.8% | 10.25 |
| Dec 2025 | 4.53% | (11.39) |
| 43 more quarters | Free account |
Against its own ten years
Net margin against peers
| Company | Net margin |
|---|---|
| SEZL Sezzle Inc. compare | 31.4% |
| SLM SLM Corporation compare | 19.1% |
| CACC Credit Acceptance Corporation compare | 14.4% |
| OMF OneMain Holdings, Inc. compare | 11.8% |
| AGM Federal Agricultural Mortgage Corporation compare | 11.6% |
| BFH Bread Financial Holdings, Inc. | 11.0% |
| ENVA Enova International, Inc. compare | 10.5% |
| UPST Upstart Holdings, Inc. compare | 4.82% |
| NNI Nelnet, Inc. compare | 0.00% |
| Credit Services industry median | 8.35% |
| Financial sector median | 14.3% |
| Market median | 1.06% |
What Net margin is
Net Profit Margin tells an investor how much of each unit of revenue ends up as profit for shareholders after all costs, interest and taxes.
Net Income Allotted to Shareholders ÷ Revenue
More on BFH
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating 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
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement