Annual Net Margin
5.83%9.10%-60.95%
Summary
- Current Value
- As of today, BFH annual net margin is 5.83%, down -60.95% on
- Historical Performance
- BFH annual net margin is down -73.27% over the past 3 years, and down -42.50% over the past 5 years
- All-Time High Comparison
- BFH annual net margin is currently -73.27% below its historical high of 21.81% set on
- 3-Year Low Comparison
- BFH annual net margin is +12.77% above its 3-year low of 5.17% reached on an earlier date
- Sector Comparison
- BFH annual net margin is higher than 25.20% of companies in Financial Services sector
Net Margin Chart
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Series
SUGGESTED SERIES
Performance
| Metric | Date | Value | 1Y | 3Y | 5Y | 15Y |
|---|---|---|---|---|---|---|
| Annual Net Margin | 5.83% | -61.0% | -73.3% | -42.5% | -35.2% | |
| Quarterly Net Margin | 15.92% | +6268.0% | +32.1% | +25.4% | +110.9% | |
| Price | $79.98 | +34.1% | +94.5% | +28.0% | +40.8% | |
| PE Ratio | 8.14 | -24.6% | -12.1% | -41.8% | -50.3% | |
| Annual Revenue | $4.79B | -3.1% | +31.0% | -14.2% | +143.7% | |
| Annual Net Income | $279.00M | -62.1% | -65.0% | -50.7% | +57.9% | |
| Annual Gross Margin | 0.00% | 0.0% | 0.0% | -100.0% | -100.0% | |
| Annual Operating Margin | 7.96% | -59.4% | -72.1% | -70.5% | -59.4% |
Net Margin Highs
| Period | High | Date | Current |
|---|---|---|---|
| 3Y | 14.93% | -61.0% | |
| 5Y | 21.81% | -73.3% | |
| All | 21.81% | -73.3% |
Net Margin Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 3Y | 5.17% | N/A | +12.8% |
| 5Y | 5.17% | +12.8% | |
| All | -4.03% | +244.7% |
Net Margin History
FAQ
What is the current annual net margin of BFH?
As of today, BFH annual net margin is 5.83%
What is 1-year change in BFH annual net margin?
BFH annual net margin is down -60.95% year-over-year
What is 3-year change in BFH annual net margin?
BFH annual net margin is down -73.27% over the past 3 years
How far is BFH annual net margin from its all-time high?
BFH annual net margin is currently -73.27% below its historical high of 21.81% set on December 31, 2021
How does BFH annual net margin rank versus sector peers?
BFH annual net margin is higher than 25.20% of companies in Financial Services sector
When is BFH next annual earnings release?
The next annual earnings release for BFH is on
Quarterly Net Margin
15.92%3.79%+31.24%
Summary
- Current Value
- As of today, BFH quarterly net margin is 15.92%, up +31.24% on
- Historical Performance
- BFH quarterly net margin is up +6268.00% year-over-year, and up +32.12% over the past 3 years
- All-Time High Comparison
- BFH quarterly net margin is currently -55.32% below its historical high of 35.63% set on
- 3-Year Low Comparison
- BFH quarterly net margin is +245.92% above its 3-year low of -10.91% reached on an earlier date
- Sector Comparison
- BFH quarterly net margin is higher than 47.63% of companies in Financial Services sector
Performance
| Metric | Date | Value | 3M | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|---|
| Quarterly Net Margin | 15.92% | +31.2% | +6268.0% | +32.1% | +25.4% | |
| Annual Net Margin | 5.83% | – | -61.0% | -73.3% | -42.5% | |
| Price | $79.98 | +44.3% | +34.1% | +94.5% | +28.0% | |
| PE Ratio | 8.14 | +44.3% | -24.6% | -12.1% | -41.8% | |
| Quarterly Revenue | $1.18B | +3.0% | -3.1% | +6.2% | +12.4% | |
| Quarterly Net Income | $188.00M | +35.3% | +6166.7% | +40.3% | +41.0% | |
| Quarterly Gross Margin | 0.00% | 0.0% | 0.0% | 0.0% | -100.0% | |
| Quarterly Operating Margin | 16.60% | +9.3% | +406.1% | -2.4% | -40.1% |
Quarterly Net Margin Highs
| Period | High | Date | Current |
|---|---|---|---|
| 1Y | 15.92% | at high | |
| 3Y | 35.63% | -55.3% | |
| 5Y | 35.63% | -55.3% | |
| All | 35.63% | -55.3% |
Quarterly Net Margin Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 1Y | 0.61% | N/A | +2509.8% |
| 3Y | -10.91% | N/A | +245.9% |
| 5Y | -10.91% | +245.9% | |
| All | -10.91% | +245.9% |
Quarterly Net Margin History
FAQ
What is the current quarterly net margin of BFH?
As of today, BFH quarterly net margin is 15.92%
What is BFH quarterly net margin most recent change?
BFH quarterly net margin was up +31.24% on September 30, 2025
What is 1-year change in BFH quarterly net margin?
BFH quarterly net margin is up +6268.00% year-over-year
How far is BFH quarterly net margin from its all-time high?
BFH quarterly net margin is currently -55.32% below its historical high of 35.63% set on March 31, 2023
How does BFH quarterly net margin rank versus sector peers?
BFH quarterly net margin is higher than 47.63% of companies in Financial Services sector
When is BFH next earnings release?
The next earnings release for BFH is on
Net Margin Formula
Net Margin =
× 100%
× 100%
Data Sources & References
- BFH Official Website www.breadfinancial.com
- Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/1101215/000110121525000173/0001101215-25-000173-index.htm
- Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/1101215/000110121525000031/0001101215-25-000031-index.htm
- BFH Profile on Yahoo Finance finance.yahoo.com/quote/BFH
- BFH Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/bfh