Current Net Margin
4.51%
Bread Financial Holdings, Inc. currently has a net profit margin of 4.51%.
Financial Fundamentals
BFH • Quarterly Data • 5Y View
Historical Margin Data
| Date | Rev ($B) | NI ($B) | Net Margin | Change (bps) |
|---|---|---|---|---|
| 2025-12-31 | 1.17 | 0.05 | 4.51% | ▼1140 |
| 2025-09-30 | 1.18 | 0.19 | 15.92% | ▲382 |
| 2025-06-30 | 1.15 | 0.14 | 12.10% | ▲55 |
| 2025-03-31 | 1.20 | 0.14 | 11.55% | ▲1094 |
| 2024-12-31 | 1.16 | 0.01 | 0.61% | ▲44 |
| 2024-09-30 | 1.22 | 0.00 | 0.16% | ▼1111 |
| 2024-06-30 | 1.18 | 0.13 | 11.27% | ▲46 |
| 2024-03-31 | 1.24 | 0.13 | 10.82% | ▲739 |
| 2023-12-31 | 1.25 | 0.04 | 3.43% | ▼1025 |
| 2023-09-30 | 1.25 | 0.17 | 13.68% | ▲953 |
| 2023-06-30 | 1.16 | 0.05 | 4.15% | ▼2592 |
| 2023-03-31 | 1.51 | 0.46 | 30.07% | ▲4098 |
| 2022-12-31 | 1.23 | -0.13 | -10.91% | ▼2284 |
| 2022-09-30 | 1.12 | 0.13 | 11.93% | ▲1074 |
| 2022-06-30 | 1.01 | 0.01 | 1.19% | ▼1956 |
| 2022-03-31 | 1.01 | 0.21 | 20.75% | ▼256 |
| 2021-12-31 | 0.08 | 0.02 | 23.31% | ▼301 |
| 2021-09-30 | 0.85 | 0.22 | 26.32% | ▼954 |
| 2021-06-30 | 0.76 | 0.27 | 35.86% | ▲20 |
| 2021-03-31 | 0.80 | 0.29 | 35.66% | ▲3458 |
| 2020-12-31 | 1.11 | 0.01 | 1.08% | ▼1161 |
| 2020-09-30 | 1.05 | 0.13 | 12.69% | ▲877 |
| 2020-06-30 | 0.98 | 0.04 | 3.92% | ▲175 |
| 2020-03-31 | 1.38 | 0.03 | 2.17% | ▼450 |
| 2019-12-31 | 1.46 | 0.10 | 6.67% | ▲1416 |
| 2019-09-30 | 1.44 | -0.11 | -7.48% | ▼1779 |
| 2019-06-30 | 1.35 | 0.14 | 10.31% | ▼87 |
| 2019-03-31 | 1.33 | 0.15 | 11.18% | ▼268 |
| 2018-12-31 | 2.06 | 0.28 | 13.86% | ▼698 |
| 2018-09-30 | 1.42 | 0.30 | 20.83% | ▲525 |
| 2018-06-30 | 1.40 | 0.22 | 15.59% | ▲373 |
| 2018-03-31 | 1.38 | 0.16 | 11.86% | ▼102 |
| 2017-12-31 | 2.11 | 0.27 | 12.88% | ▲69 |
| 2017-09-30 | 1.91 | 0.23 | 12.19% | ▲464 |
| 2017-06-30 | 1.82 | 0.14 | 7.56% | ▼23 |
| 2017-03-31 | 1.88 | 0.15 | 7.79% | ▲721 |
| 2016-12-31 | 1.83 | 0.01 | 0.58% | ▼1042 |
| 2016-09-30 | 1.89 | 0.21 | 11.00% | ▲296 |
| 2016-06-30 | 1.75 | 0.14 | 8.05% | ▼133 |
| 2016-03-31 | 1.68 | 0.16 | 9.37% | ▼59 |
| 2015-12-31 | 1.75 | 0.17 | 9.96% | ▲188 |
| 2015-09-30 | 1.59 | 0.13 | 8.08% | ▼67 |
| 2015-06-30 | 1.50 | 0.13 | 8.75% | ▼141 |
| 2015-03-31 | 1.60 | 0.16 | 10.15% | ▲563 |
| 2014-12-31 | 1.49 | 0.07 | 4.52% | ▼793 |
| 2014-09-30 | 1.32 | 0.16 | 12.45% | ▲159 |
| 2014-06-30 | 1.27 | 0.14 | 10.86% | ▼28 |
| 2014-03-31 | 1.23 | 0.14 | 11.14% | ▲81 |
| 2013-12-31 | 1.14 | 0.12 | 10.33% | ▼179 |
| 2013-09-30 | 1.10 | 0.13 | 12.12% | ▲79 |
| 2013-06-30 | 1.03 | 0.12 | 11.33% | ▼92 |
| 2013-03-31 | 1.05 | 0.13 | 12.24% | ▲364 |
| 2012-12-31 | 0.97 | 0.08 | 8.61% | ▼451 |
| 2012-09-30 | 0.91 | 0.12 | 13.12% | ▲113 |
| 2012-06-30 | 0.87 | 0.10 | 11.98% | ▼94 |
| 2012-03-31 | 0.89 | 0.12 | 12.92% | ▲515 |
| 2011-12-31 | 0.85 | 0.07 | 7.78% | ▼335 |
| 2011-09-30 | 0.84 | 0.09 | 11.12% | ▲180 |
| 2011-06-30 | 0.74 | 0.07 | 9.32% | ▼234 |
| 2011-03-31 | 0.74 | 0.09 | 11.67% | ▲549 |
| 2010-12-31 | 0.76 | 0.05 | 6.18% | ▼137 |
| 2010-09-30 | 0.70 | 0.05 | 7.55% | ▲49 |
| 2010-06-30 | 0.67 | 0.05 | 7.07% | ▲3 |
| 2010-03-31 | 0.66 | 0.05 | 7.03% | ▼49 |
| 2009-12-31 | 0.54 | 0.04 | 7.52% | ▼199 |
| 2009-09-30 | 0.48 | 0.05 | 9.51% | ▲308 |
| 2009-06-30 | 0.46 | 0.03 | 6.43% | ▲62 |
| 2009-03-31 | 0.48 | 0.03 | 5.81% | ▼410 |
| 2008-12-31 | 0.52 | 0.05 | 9.91% | ▼364 |
| 2008-09-30 | 0.51 | 0.07 | 13.55% | ▲429 |
| 2008-06-30 | 0.51 | 0.05 | 9.26% | ▼62 |
| 2008-03-31 | 0.50 | 0.05 | 9.88% | ▲435 |
| 2007-12-31 | 0.61 | 0.03 | 5.53% | ▲46 |
| 2007-09-30 | 0.58 | 0.03 | 5.07% | ▼408 |
| 2007-06-30 | 0.48 | 0.04 | 9.15% | ▼304 |
| 2007-03-31 | 0.47 | 0.06 | 12.19% | ▲473 |
| 2006-12-31 | 0.53 | 0.04 | 7.46% | ▼217 |
| 2006-09-30 | 0.51 | 0.05 | 9.63% | ▲50 |
| 2006-06-30 | 0.49 | 0.04 | 9.13% | ▼269 |
| 2006-03-31 | 0.48 | 0.06 | 11.82% | ▲438 |
| 2005-12-31 | 0.42 | 0.03 | 7.44% | ▼188 |
| 2005-09-30 | 0.38 | 0.04 | 9.32% | ▲4 |
| 2005-06-30 | 0.37 | 0.03 | 9.28% | ▼61 |
| 2005-03-31 | 0.38 | 0.04 | 9.89% | ▲527 |
| 2004-12-31 | 0.35 | 0.02 | 4.62% | ▼408 |
| 2004-09-30 | 0.30 | 0.03 | 8.70% | ▼65 |
| 2004-06-30 | 0.30 | 0.03 | 9.35% | ▼102 |
| 2004-03-31 | 0.31 | 0.03 | 10.36% | ▲238 |
| 2003-12-31 | 0.31 | 0.02 | 7.99% | ▼15 |
| 2003-09-30 | 0.26 | 0.02 | 8.14% | ▲252 |
| 2003-06-30 | 0.25 | 0.01 | 5.61% | ▲49 |
| 2003-03-31 | 0.24 | 0.01 | 5.13% | ▲66 |
| 2002-12-31 | 0.24 | 0.01 | 4.47% | ▲91 |
| 2002-09-30 | 0.22 | 0.01 | 3.55% | ▲190 |
| 2002-06-30 | 0.21 | 0.00 | 1.65% | ▼47 |
| 2002-03-31 | 0.21 | 0.00 | 2.12% | ▲599 |
| 2001-12-31 | 0.21 | -0.01 | -3.87% | ▼176 |
| 2001-09-30 | 0.20 | -0.00 | -2.11% | ▼209 |
| 2001-06-30 | 0.18 | -0.00 | -0.02% | ▼5 |
| 2001-03-31 | 0.18 | 0.00 | 0.03% | ▲197 |
| 2000-12-31 | 0.18 | -0.00 | -1.94% | ▲46 |
| 2000-09-30 | 0.17 | -0.00 | -2.40% | — |
* Basis Point (bps) change measures sequential efficiency shifts. 100 bps = 1.00% Margin change.