Bread Financial Holdings annual operating margin
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2021
Bread Financial Holdings Operating Margin Growth & History (BFH)
Bread Financial Holdings's operating margin was 31.91% for fiscal 2021.
View full Bread Financial Holdings company overviewBread Financial Holdings annual operating margin history
| Fiscal year | Period ended | Operating margin | Change (percentage points) |
|---|---|---|---|
| 2021 | 2021-12-31 | 31.91% | +22.78 pp |
| 2020 | 2020-12-31 | 9.13% | −7.22 pp |
| 2019 | 2019-12-31 | 16.35% | −166.69 pp |
| 2018 | 2018-12-31 | 183.03% | +155.31 pp |
| 2017 | 2017-12-31 | 27.73% | +10.00 pp |
| 2016 | 2016-12-31 | 17.73% | −1.87 pp |
| 2015 | 2015-12-31 | 19.59% | −1.12 pp |
| 2014 | 2014-12-31 | 20.71% | −4.73 pp |
| 2013 | 2013-12-31 | 25.44% | −1.31 pp |
| 2012 | 2012-12-31 | 26.76% | +1.15 pp |
| 2011 | 2011-12-31 | 25.61% | +3.07 pp |
| 2010 | 2010-12-31 | 22.54% | +1.78 pp |
| 2009 | 2009-12-31 | 20.76% | −1.98 pp |
| 2008 | 2008-12-31 | 22.74% | — |
Bread Financial Holdings quarterly operating margin
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| Fiscal quarter | Period ended | Operating margin | Change (percentage points) |
|---|---|---|---|
| Q3 2021 | 2021-09-30 | 44.98% | −171.37 pp |
| Q2 2021 | 2021-06-30 | 61.95% | −84.24 pp |
| Q1 2021 | 2021-03-31 | 62.73% | −37.09 pp |
| Q4 2020 | 2020-12-31 | 23.31% | +2.16 pp |
| Q3 2020 | 2020-09-30 | 216.36% | +63.18 pp |
| Q2 2020 | 2020-06-30 | 146.19% | −9.25 pp |
| Q1 2020 | 2020-03-31 | 99.82% | −96.07 pp |
| Q4 2019 | 2019-12-31 | 21.15% | −13.57 pp |
| Q3 2019 | 2019-09-30 | 153.17% | −62.37 pp |
| Q2 2019 | 2019-06-30 | 155.44% | −4.91 pp |
| Q1 2019 | 2019-03-31 | 195.88% | +28.03 pp |
| Q4 2018 | 2018-12-31 | 34.72% | — |
| Q3 2018 | 2018-09-30 | 215.54% | +190.50 pp |
| Q2 2018 | 2018-06-30 | 160.35% | +141.06 pp |
| Q1 2018 | 2018-03-31 | 167.85% | +149.10 pp |
| Q3 2017 | 2017-09-30 | 25.04% | +2.71 pp |
| Q2 2017 | 2017-06-30 | 19.29% | +0.96 pp |
| Q1 2017 | 2017-03-31 | 18.75% | −1.79 pp |
| Q4 2016 | 2016-12-31 | 9.83% | −10.99 pp |
| Q3 2016 | 2016-09-30 | 22.33% | +4.24 pp |
| Q2 2016 | 2016-06-30 | 18.33% | −0.71 pp |
| Q1 2016 | 2016-03-31 | 20.54% | +0.27 pp |
| Q4 2015 | 2015-12-31 | 20.81% | +6.51 pp |
| Q3 2015 | 2015-09-30 | 18.09% | −6.29 pp |
| Q2 2015 | 2015-06-30 | 19.04% | −3.29 pp |
| Q1 2015 | 2015-03-31 | 20.27% | −2.58 pp |
| Q4 2014 | 2014-12-31 | 14.30% | −7.58 pp |
| Q3 2014 | 2014-09-30 | 24.38% | −1.95 pp |
| Q2 2014 | 2014-06-30 | 22.33% | −3.85 pp |
| Q1 2014 | 2014-03-31 | 22.86% | −4.79 pp |
| Q4 2013 | 2013-12-31 | 21.89% | −0.41 pp |
| Q3 2013 | 2013-09-30 | 26.34% | −2.68 pp |
| Q2 2013 | 2013-06-30 | 26.18% | −1.58 pp |
| Q1 2013 | 2013-03-31 | 27.65% | −0.69 pp |
| Q4 2012 | 2012-12-31 | 22.30% | +0.91 pp |
| Q3 2012 | 2012-09-30 | 29.02% | +2.07 pp |
| Q2 2012 | 2012-06-30 | 27.76% | +1.86 pp |
| Q1 2012 | 2012-03-31 | 28.33% | −0.29 pp |
| Q4 2011 | 2011-12-31 | 21.39% | +2.78 pp |
| Q3 2011 | 2011-09-30 | 26.95% | +2.75 pp |
| Q2 2011 | 2011-06-30 | 25.90% | +1.95 pp |
| Q1 2011 | 2011-03-31 | 28.62% | +4.78 pp |
| Q4 2010 | 2010-12-31 | 18.61% | — |
| Q3 2010 | 2010-09-30 | 24.20% | +4.77 pp |
| Q2 2010 | 2010-06-30 | 23.95% | +6.34 pp |
| Q1 2010 | 2010-03-31 | 23.84% | — |
| Q3 2009 | 2009-09-30 | 19.43% | — |
| Q2 2009 | 2009-06-30 | 17.61% | — |
Bread Financial Holdings operating margin trends
Over the last five fiscal years, Bread Financial Holdings's operating margin increased from 17.73% to 31.91%, a change of +14.18 percentage points. The latest reported quarter, Q3 2021, shows 44.98%.
About the metric
What operating margin means
Operating margin measures the percentage of revenue left after operating costs and expenses. It shows how much operating profit a company generates from each dollar of revenue.
Calculation and source
How operating margin is calculated
TickerStat calculates operating margin as SEC-reported operating income 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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