Company / Operating Margin
Bread Financial Holdings, Inc. Operating Margin History
FY2016-FY2020 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Margin
21.8%
FY2020
5-year range
-
FY2016-FY2020
Trend
+83.6%
vs FY2019
Sector context
#48 of 105
Financials
What the data says
At 21.8%, Bread Financial Holdings, Inc.'s operating margin ranks #48 of 105 in the Financials sector. Declined from 31.0% to 21.8% over the past 2 years.
Based on SEC 10-K filings.
21.8% in FY2020 with a 3-year CAGR of -5.9%.
Declined from 31.0% to 21.8% over the past 2 years.
Financials sector context is included.
Operating Margin over time
Growth rates
- 3-Year Change
- -5.9pp
- 5-Year Change
- -
- 10-Year Change
- -
Sector benchmark
#48 of 105 in FinancialsTop 46% of 105This company 21.8% Sector average -49.0%
▼
+144.5% above sector average
Key checks
Key Insights
- In FY2020, operating margin increased 83.6% year-over-year.
- Currently 70.7pp above the Financials sector average.
- Peak operating margin was recorded in FY2018.
- Lowest operating margin in the period was in FY2019.
Company context
Key Data Points
- Altman Z-Score 0.30 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Operating MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | - | - |
| FY2024 | - | - |
| FY2023 | - | - |
| FY2022 | - | - |
| FY2021 | - | - |
| FY2020 | 21.8% | +83.6% |
| FY2019 | 11.9% | -61.8% |
| FY2018 | 31.0% | +11.8% |
| FY2017 | 27.7% | +56.4% |
| FY2016 | 17.7% | -9.5% |
As of FY2020 · SEC 10-K · Updated Mar 28, 2026