Filing Flows › Bread Financial Holdings (BFH) › Operating margin
Bread Financial Holdings (BFH) operating margin by quarter
Bread Financial Holdings' operating margin was 20.6% in Q3 2026 (third quarter 2026), +0.7 pts from Q2 2026. Over the last 7 quarters it ranged from 4.9% (Q4 2025) to 23.9% (Q1 2026).
| Quarter | Operating margin | Q/Q | Y/Y |
|---|---|---|---|
| Q3 2026 | 20.6% | +0.7 pts | +0.4 pts |
| Q2 2026 | 19.8% | -4.0 pts | +1.1 pts |
| Q1 2026 | 23.9% | +18.9 pts | +4.0 pts |
| Q4 2025 | 4.9% | -15.3 pts | — |
| Q3 2025 | 20.2% | +1.5 pts | — |
| Q2 2025 | 18.7% | -1.2 pts | — |
| Q1 2025 | 19.9% | — | — |
Q3 2026 at a glance
Bread Financial Holdings, Q3 2026: revenue $1.0B (+5% year over year), operating margin 20.6%, net earnings $156M, operating cash flow $601M. The chart follows the revenue to costs, profit and cash.
Questions
What is Bread Financial Holdings' operating margin?
Bread Financial Holdings' operating margin was 20.6% in Q3 2026 (third quarter 2026), +0.7 pts from Q2 2026.
How has Bread Financial Holdings' operating margin changed?
Over the last 7 quarters it ranged from 4.9% (Q4 2025) to 23.9% (Q1 2026).
Q3 2026 results → · How Bread Financial Holdings makes money →