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) Operating margin
Bread Financial Holdings, Inc.'s operating margin over the twelve months to 30 September 2026 was 76.5%, up 0.1 percentage points from fiscal 2025 (76.4%). Over the past ten years it has ranged from 17.7% (fiscal 2016) to 81.5% (fiscal 2023); the current reading is higher than 64% of that period. That is above the Credit Services industry median of 0.34% and above the Financial sector median of 0.00%.
Operating margin, annual
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Annual newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| FY2025 | 76.4% | (0.11) |
| FY2024 | 76.5% | (4.95) |
| FY2023 | 81.5% | 6.25 |
| FY2022 | 75.2% | 0.29 |
| FY2021 | 75.0% | (2.45) |
| FY2020 | 77.4% | (0.80) |
| FY2019 | 78.2% | 47.19 |
| FY2018 | 31.0% | 3.28 |
| FY2017 | 27.7% | 10.00 |
| FY2016 | 17.7% | (1.86) |
Quarterly newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| Sep 2026 | 77.0% | 0.54 |
| Jun 2026 | 76.4% | (0.94) |
| Mar 2026 | 77.4% | 2.14 |
| Dec 2025 | 75.2% | (1.06) |
| 43 more quarters | Free account |
Against its own ten years
Operating margin against peers
| Company | Operating margin |
|---|---|
| BFH Bread Financial Holdings, Inc. | 76.5% |
| SEZL Sezzle Inc. compare | 41.9% |
| CACC Credit Acceptance Corporation compare | 39.8% |
| ENVA Enova International, Inc. compare | 24.0% |
| UPST Upstart Holdings, Inc. compare | 3.24% |
| NNI Nelnet, Inc. compare | 0.00% |
| AGM Federal Agricultural Mortgage Corporation compare | 0.00% |
| OMF OneMain Holdings, Inc. compare | 0.00% |
| SLM SLM Corporation compare | 0.00% |
| Credit Services industry median | 0.34% |
| Financial sector median | 0.00% |
| Market median | 0.00% |
What Operating margin is
EBIT Margin tells an investor how much operating profit, before interest and taxes, a company keeps from each unit of revenue.
EBIT ÷ Revenue
More on BFH
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross 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
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement