Bread Financial Holdings annual gross margin
2008
2009
2010
2011
2012
2013
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2015
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2020
2021
Bread Financial Holdings Gross Margin Growth & History (BFH)
Bread Financial Holdings's gross margin was 63.02% for fiscal 2021.
View full Bread Financial Holdings company overviewBread Financial Holdings annual gross margin history
| Fiscal year | Period ended | Gross margin | Change (percentage points) |
|---|---|---|---|
| 2021 | 2021-12-31 | 63.02% | +26.01 pp |
| 2020 | 2020-12-31 | 37.01% | +3.38 pp |
| 2019 | 2019-12-31 | 33.63% | +197.90 pp |
| 2018 | 2018-12-31 | −164.26% | −219.16 pp |
| 2017 | 2017-12-31 | 54.89% | +14.81 pp |
| 2016 | 2016-12-31 | 40.08% | −0.68 pp |
| 2015 | 2015-12-31 | 40.77% | +1.47 pp |
| 2014 | 2014-12-31 | 39.30% | −1.68 pp |
| 2013 | 2013-12-31 | 40.98% | −1.17 pp |
| 2012 | 2012-12-31 | 42.15% | −0.75 pp |
| 2011 | 2011-12-31 | 42.90% | −1.74 pp |
| 2010 | 2010-12-31 | 44.64% | +13.57 pp |
| 2009 | 2009-12-31 | 31.06% | −2.67 pp |
| 2008 | 2008-12-31 | 33.74% | — |
Bread Financial Holdings quarterly gross margin
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Q3.09
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Q3.10
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Q3.11
Q4.11
Q1.12
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Q3.13
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Q3.21
| Fiscal quarter | Period ended | Gross margin | Change (percentage points) |
|---|---|---|---|
| Q3 2021 | 2021-09-30 | 42.51% | +301.40 pp |
| Q2 2021 | 2021-06-30 | 35.27% | +347.66 pp |
| Q1 2021 | 2021-03-31 | 37.97% | +241.80 pp |
| Q4 2020 | 2020-12-31 | 205.18% | +17.15 pp |
| Q3 2020 | 2020-09-30 | −258.88% | −12.71 pp |
| Q2 2020 | 2020-06-30 | −312.38% | −110.63 pp |
| Q1 2020 | 2020-03-31 | −203.83% | +47.70 pp |
| Q4 2019 | 2019-12-31 | 188.04% | +217.37 pp |
| Q3 2019 | 2019-09-30 | −246.17% | −52.37 pp |
| Q2 2019 | 2019-06-30 | −201.75% | −61.82 pp |
| Q1 2019 | 2019-03-31 | −251.54% | −84.76 pp |
| Q4 2018 | 2018-12-31 | −29.33% | — |
| Q3 2018 | 2018-09-30 | −193.80% | −238.03 pp |
| Q2 2018 | 2018-06-30 | −139.94% | −184.25 pp |
| Q1 2018 | 2018-03-31 | −166.77% | −211.31 pp |
| Q3 2017 | 2017-09-30 | 44.23% | −0.32 pp |
| Q2 2017 | 2017-06-30 | 44.32% | +3.10 pp |
| Q1 2017 | 2017-03-31 | 44.54% | +4.43 pp |
| Q4 2016 | 2016-12-31 | 34.37% | −6.91 pp |
| Q3 2016 | 2016-09-30 | 44.55% | +1.25 pp |
| Q2 2016 | 2016-06-30 | 41.22% | +0.97 pp |
| Q1 2016 | 2016-03-31 | 40.11% | +1.93 pp |
| Q4 2015 | 2015-12-31 | 41.29% | +1.57 pp |
| Q3 2015 | 2015-09-30 | 43.30% | +1.48 pp |
| Q2 2015 | 2015-06-30 | 40.25% | +2.17 pp |
| Q1 2015 | 2015-03-31 | 38.17% | +0.82 pp |
| Q4 2014 | 2014-12-31 | 39.72% | −0.60 pp |
| Q3 2014 | 2014-09-30 | 41.82% | −0.86 pp |
| Q2 2014 | 2014-06-30 | 38.08% | −1.68 pp |
| Q1 2014 | 2014-03-31 | 37.35% | −3.76 pp |
| Q4 2013 | 2013-12-31 | 40.31% | −0.64 pp |
| Q3 2013 | 2013-09-30 | 42.69% | −2.52 pp |
| Q2 2013 | 2013-06-30 | 39.76% | −1.79 pp |
| Q1 2013 | 2013-03-31 | 41.10% | +0.20 pp |
| Q4 2012 | 2012-12-31 | 40.96% | −0.15 pp |
| Q3 2012 | 2012-09-30 | 45.20% | +1.66 pp |
| Q2 2012 | 2012-06-30 | 41.55% | −0.21 pp |
| Q1 2012 | 2012-03-31 | 40.90% | −4.47 pp |
| Q4 2011 | 2011-12-31 | 41.11% | −0.60 pp |
| Q3 2011 | 2011-09-30 | 43.54% | −1.62 pp |
| Q2 2011 | 2011-06-30 | 41.76% | −4.68 pp |
| Q1 2011 | 2011-03-31 | 45.37% | −0.23 pp |
| Q4 2010 | 2010-12-31 | 41.72% | — |
| Q3 2010 | 2010-09-30 | 45.16% | +13.00 pp |
| Q2 2010 | 2010-06-30 | 46.44% | +17.81 pp |
| Q1 2010 | 2010-03-31 | 45.59% | — |
| Q3 2009 | 2009-09-30 | 32.17% | — |
| Q2 2009 | 2009-06-30 | 28.63% | — |
Bread Financial Holdings gross margin trends
Over the last five fiscal years, Bread Financial Holdings's gross margin increased from 40.08% to 63.02%, a change of +22.93 percentage points. The latest reported quarter, Q3 2021, shows 42.51%.
About the metric
What gross margin means
Gross margin measures the percentage of revenue remaining after the direct costs of producing goods or services. It helps show how efficiently a company turns sales into gross profit before operating expenses.
Calculation and source
How gross margin is calculated
TickerStat calculates gross margin as SEC-reported gross profit divided by SEC-reported revenue for the same fiscal period. Changes are shown in percentage points. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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