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 $4.06BP/E 8.2Yield 0.81%
Bread Financial profit margin
Profit margin (net margin) is net income as a percentage of revenue.
Bread Financial's profit margin for the twelve months ending Jun 30, 2026 was 14.4%. For fiscal 2025 it was 13.5%, against 7.2% the year before. The highest annual figure on record is 24.5% in fiscal 2021.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 13.5% | +6.3 |
| FY2024 | Dec 31, 2024 | 7.2% | −9.5 |
| FY2023 | Dec 31, 2023 | 16.7% | +10.9 |
| FY2022 | Dec 31, 2022 | 5.8% | −18.7 |
| FY2021 | Dec 31, 2021 | 24.5% | +18.0 |
| FY2020 | Dec 31, 2020 | 6.5% | −0.4 |
| FY2019 | Dec 31, 2019 | 6.9% | −10.1 |
| FY2018 | Dec 31, 2018 | 17.0% | +2.6 |
| FY2017 | Dec 31, 2017 | 14.4% | +7.5 |
| FY2010 | Dec 31, 2010 | 6.9% | −0.4 |
| FY2009 | Dec 31, 2009 | 7.3% | −2.9 |
| FY2008 | Dec 31, 2008 | 10.2% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q2 FY2026 | Jun 30, 2026 | 14.7% | −0.3 |
| Q1 FY2026 | Mar 31, 2026 | 17.8% | +3.6 |
| Q4 FY2025 | Dec 31, 2025 | 5.5% | +4.8 |
| Q3 FY2025 | Sep 30, 2025 | 19.4% | +19.2 |
| Q2 FY2025 | Jun 30, 2025 | 15.0% | +0.8 |
| Q1 FY2025 | Mar 31, 2025 | 14.2% | +0.7 |
| Q4 FY2024 | Dec 31, 2024 | 0.8% | −3.5 |
| Q3 FY2024 | Sep 30, 2024 | 0.2% | −16.4 |
| Q2 FY2024 | Jun 30, 2024 | 14.2% | +9.1 |
| Q1 FY2024 | Mar 31, 2024 | 13.5% | −21.8 |
| Q4 FY2023 | Dec 31, 2023 | 4.2% | +17.2 |
| Q3 FY2023 | Sep 30, 2023 | 16.6% | +2.9 |
| Q2 FY2023 | Jun 30, 2023 | 5.0% | +3.7 |
| Q1 FY2023 | Mar 31, 2023 | 35.3% | +12.5 |
| Q4 FY2022 | Dec 31, 2022 | -13.0% | −15.1 |
| Q3 FY2022 | Sep 30, 2022 | 13.7% | −12.6 |
| Q2 FY2022 | Jun 30, 2022 | 1.3% | −34.5 |
| Q1 FY2022 | Mar 31, 2022 | 22.8% | −12.9 |
| Q4 FY2021 | Dec 31, 2021 | 2.1% | +1.0 |
| Q3 FY2021 | Sep 30, 2021 | 26.3% | +13.6 |
| Q2 FY2021 | Jun 30, 2021 | 35.9% | +31.9 |
| Q1 FY2021 | Mar 31, 2021 | 35.7% | +33.5 |
| Q4 FY2020 | Dec 31, 2020 | 1.1% | −5.6 |
| Q3 FY2020 | Sep 30, 2020 | 12.7% | +20.2 |
| Q2 FY2020 | Jun 30, 2020 | 3.9% | −6.4 |
| Q1 FY2020 | Mar 31, 2020 | 2.2% | −9.0 |
| Q4 FY2019 | Dec 31, 2019 | 6.7% | −12.8 |
| Q3 FY2019 | Sep 30, 2019 | -7.5% | −28.3 |
| Q2 FY2019 | Jun 30, 2019 | 10.3% | −5.3 |
| Q1 FY2019 | Mar 31, 2019 | 11.2% | −0.7 |
| Q4 FY2018 | Dec 31, 2018 | 19.5% | – |
| Q3 FY2018 | Sep 30, 2018 | 20.8% | – |
| Q2 FY2018 | Jun 30, 2018 | 15.6% | – |
| Q1 FY2018 | Mar 31, 2018 | 11.9% | – |