BREAD FINANCIAL HOLDINGS, INC.
Profit Margins
| Fiscal Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| FY2016 | 40.1% | 17.7% | 7.3% |
| FY2017 | 54.9% | 27.7% | 14.4% |
| FY2018 | 55.2% | 31.0% | 17.0% |
| FY2019 | 51.8% | 11.9% | 5.0% |
| FY2020 | 54.1% | 6.7% | 4.7% |
| FY2021 | — | 43.6% | 24.5% |
| FY2022 | — | 21.0% | 5.8% |
| FY2023 | — | 43.1% | 16.7% |
| FY2024 | — | 9.9% | 7.2% |
| FY2025 | — | 16.0% | 13.5% |