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

BFH.PBNYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH, BFH.PA
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 27, 2026Score 15/309% below fair value
$24.13−0.11 (-0.45%)

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

Bread Financial operating margin

Operating margin is operating income as a percentage of revenue.

Bread Financial's operating margin for the twelve months ending Sep 30, 2021 was 45.9%. For fiscal 2020 it was 9.1%, against 16.3% the year before. The highest annual figure on record is 31.0% in fiscal 2018.

Annual operating margin

PeriodPeriod endValueChange (pts)
FY2020Dec 31, 20209.1%−7.2
FY2019Dec 31, 201916.3%−14.7
FY2018Dec 31, 201831.0%+3.3
FY2017Dec 31, 201727.7%+10.0
FY2016Dec 31, 201617.7%−1.9
FY2015Dec 31, 201519.6%−1.1
FY2014Dec 31, 201420.7%−4.7
FY2013Dec 31, 201325.4%−1.3
FY2012Dec 31, 201226.8%+1.1
FY2011Dec 31, 201125.6%+3.1
FY2010Dec 31, 201022.5%+1.8
FY2009Dec 31, 200920.8%−2.0
FY2008Dec 31, 200822.7%–

Quarterly operating margin

Change is against the same quarter a year earlier.

PeriodPeriod endValueChange (pts)
Q3 FY2021Sep 30, 202145.0%+17.3
Q2 FY2021Jun 30, 202162.0%+44.1
Q1 FY2021Mar 31, 202162.7%+50.9
Q4 FY2020Dec 31, 202023.3%+2.2
Q3 FY2020Sep 30, 202027.7%+6.5
Q2 FY2020Jun 30, 202017.8%−7.2
Q1 FY2020Mar 31, 202011.9%−14.9
Q4 FY2019Dec 31, 201921.1%−13.6
Q3 FY2019Sep 30, 201921.2%−12.6
Q2 FY2019Jun 30, 201925.0%−3.4
Q1 FY2019Mar 31, 201926.8%−0.2
Q4 FY2018Dec 31, 201834.7%+12.7
Q3 FY2018Sep 30, 201833.7%+8.7
Q2 FY2018Jun 30, 201828.4%+18.6
Q1 FY2018Mar 31, 201826.9%+4.6
Q4 FY2017Dec 31, 201722.0%+3.6
Q3 FY2017Sep 30, 201725.0%–
Q4 FY2016Dec 31, 20169.8%–
Q3 FY2016Sep 30, 201622.3%–
Q2 FY2016Jun 30, 201618.3%–

More Bread Financial figures