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Bread Financial Holdings, Inc. (BFH.PA) stock

BFH.PANYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH, BFH.PB
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 27, 2026Score 15/309% below fair value
$24.05−0.13 (-0.54%)

Close on Oct 30, 2026Market cap $3.97BP/E 8.1Yield 0.83%

Bread Financial gross margin

Gross margin is gross profit as a percentage of revenue.

Bread Financial's gross margin for the twelve months ending Sep 30, 2021 was 40.9%. For fiscal 2020 it was 37.0%, against 33.6% the year before. The highest annual figure on record is 55.2% in fiscal 2018.

Annual gross margin

PeriodPeriod endValueChange (pts)
FY2020Dec 31, 202037.0%+3.4
FY2019Dec 31, 201933.6%−21.6
FY2018Dec 31, 201855.2%+0.3
FY2017Dec 31, 201754.9%+14.8
FY2016Dec 31, 201640.1%−0.7
FY2015Dec 31, 201540.8%+1.5
FY2014Dec 31, 201439.3%−1.7
FY2013Dec 31, 201341.0%−1.2
FY2012Dec 31, 201242.1%−0.8
FY2011Dec 31, 201142.9%−1.7
FY2010Dec 31, 201044.6%+13.6
FY2009Dec 31, 200931.1%−2.7
FY2008Dec 31, 200833.7%–

Quarterly gross margin

Change is against the same quarter a year earlier.

PeriodPeriod endValueChange (pts)
Q3 FY2021Sep 30, 202142.5%−11.5
Q2 FY2021Jun 30, 202135.3%−14.4
Q1 FY2021Mar 31, 202138.0%−25.9
Q4 FY2020Dec 31, 202045.7%−6.0
Q3 FY2020Sep 30, 202054.1%+1.9
Q2 FY2020Jun 30, 202049.7%−1.8
Q1 FY2020Mar 31, 202063.9%+11.9
Q4 FY2019Dec 31, 201951.7%−0.6
Q3 FY2019Sep 30, 201952.2%−1.9
Q2 FY2019Jun 30, 201951.4%−6.1
Q1 FY2019Mar 31, 201952.0%−5.2
Q4 FY2018Dec 31, 201852.4%+6.8
Q3 FY2018Sep 30, 201854.0%+9.8
Q2 FY2018Jun 30, 201857.5%+23.1
Q1 FY2018Mar 31, 201857.2%+12.6
Q4 FY2017Dec 31, 201745.6%+4.3
Q3 FY2017Sep 30, 201744.2%–
Q4 FY2016Dec 31, 201634.4%–
Q3 FY2016Sep 30, 201644.5%–
Q2 FY2016Jun 30, 201641.2%–

More Bread Financial figures