SuperworthBread Financial profit margin BFH
Gross, operating and net profit as a share of revenue over the last twelve months, from 2010.
- Net margin, 12 months
- 14.4%
- Net margin on a year earlier
- +6.9 pts
- Peer median
- 18.1%
Over the twelve months to Jun 30, 2026, Bread Financial kept 14.4% of its revenue as net profit.
Five years earlier its net margin was 18.9%.
The median for 10 credit services stocks of a similar size is 18.1%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin | Operating margin | Gross margin |
|---|---|---|---|
| FY2025 | 13.5% | n/a | n/a |
| FY2024 | 7.2% | n/a | n/a |
| FY2023 | 16.7% | n/a | n/a |
| FY2022 | 5.8% | n/a | n/a |
| FY2021 | 24.5% | n/a | n/a |
| FY2020 | 4.7% | 19.6% | 54.1% |
| FY2019 | 5.0% | 23.4% | 51.8% |
| FY2018 | 17.0% | 31.0% | 55.2% |
| FY2017 | 10.2% | 21.3% | 44.7% |
| FY2016 | 7.3% | 17.7% | 40.1% |
| FY2015 | 9.4% | 19.6% | 40.8% |
| FY2014 | 9.7% | 20.7% | 39.3% |
| FY2013 | 11.5% | 25.4% | 41.0% |
| FY2012 | 11.6% | 26.8% | 42.1% |
| FY2011 | 9.9% | 25.6% | 42.9% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year |
|---|---|---|---|
| Q2 FY26 | 14.4% | +6.9 pts | |
| Q1 FY26 | 14.4% | +7.1 pts | |
| Q4 FY25 | 13.5% | +6.3 pts | |
| Q3 FY25 | 12.4% | +4.5 pts | |
| Q2 FY25 | 7.5% | −4.6 pts | |
| Q1 FY25 | 7.3% | −2.6 pts | |
| Q4 FY24 | 7.2% | −9.5 pts | |
| Q3 FY24 | 7.9% | −4.6 pts | |
| Q2 FY24 | 12.1% | +0.3 pts | |
| Q1 FY24 | 9.9% | −1.2 pts | |
| Q4 FY23 | 16.7% | +10.9 pts | |
| Q3 FY23 | 12.5% | +2.3 pts |
Against its peers
Companies in Financial - Credit Services nearest Bread Financial's size, closest first, today.
| Company | Profit margin |
|---|---|
| BFHBread Financial | 14.4% |
| ENVAEnova International | 10.5% |
| SLMSLM | 31.7% |
| PAYPaymentus | 6.2% |
| TNETTrinet | 3.6% |
| NNINelnet | 25.8% |
| SEZLSezzle | 30.4% |
| MMSMaximus | 7.1% |
| DAVEDave | 34.6% |
| CBZCBIZ | 4.7% |
| FIGRFigure Technology Solutions | 33.5% |
| Peer median | 18.1% |
Where Bread Financial ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Bread Financial
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.