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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Bloomin' Brands, Inc. (BLMN). Click either name above to swap in a different company.
Bloomin' Brands, Inc. is the larger business by last-quarter revenue ($975.2M vs $975.0M, roughly 1.0× BREAD FINANCIAL HOLDINGS, INC.). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs 0.3%). Over the past eight quarters, BREAD FINANCIAL HOLDINGS, INC.'s revenue compounded faster (-0.8% CAGR vs -4.5%).
Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.
Bloomin' Brands, Inc. is a restaurant holding company that owns several American casual dining restaurant chains. The company was established in 1988 in Tampa, Florida, where it is headquartered.
BFH vs BLMN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $975.2M |
| Net Profit | — | $-13.5M |
| Gross Margin | — | 70.2% |
| Operating Margin | 4.9% | -1.4% |
| Net Margin | — | -1.4% |
| Revenue YoY | 5.4% | 0.3% |
| Net Profit YoY | — | 83.0% |
| EPS (diluted) | $1.21 | $-0.16 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $975.0M | $975.2M | ||
| Q3 25 | $971.0M | $928.8M | ||
| Q2 25 | $929.0M | $1.0B | ||
| Q1 25 | $970.0M | $1.0B | ||
| Q4 24 | $925.0M | $972.0M | ||
| Q3 24 | $983.0M | $910.0M | ||
| Q2 24 | $939.0M | $999.4M | ||
| Q1 24 | $991.0M | $1.1B |
| Q4 25 | — | $-13.5M | ||
| Q3 25 | $188.0M | $-45.9M | ||
| Q2 25 | $139.0M | $25.4M | ||
| Q1 25 | $138.0M | $42.2M | ||
| Q4 24 | — | $-79.5M | ||
| Q3 24 | $2.0M | $6.9M | ||
| Q2 24 | $133.0M | $28.4M | ||
| Q1 24 | $134.0M | $-83.9M |
| Q4 25 | — | 70.2% | ||
| Q3 25 | — | 70.4% | ||
| Q2 25 | — | 70.2% | ||
| Q1 25 | — | 70.1% | ||
| Q4 24 | — | 71.6% | ||
| Q3 24 | — | 71.3% | ||
| Q2 24 | — | 70.5% | ||
| Q1 24 | — | 70.5% |
| Q4 25 | 4.9% | -1.4% | ||
| Q3 25 | 20.2% | -3.9% | ||
| Q2 25 | 18.7% | 3.0% | ||
| Q1 25 | 20.3% | 5.5% | ||
| Q4 24 | -2.9% | 1.7% | ||
| Q3 24 | 4.1% | 0.9% | ||
| Q2 24 | 19.2% | 4.4% | ||
| Q1 24 | 19.0% | 6.6% |
| Q4 25 | — | -1.4% | ||
| Q3 25 | 19.4% | -4.9% | ||
| Q2 25 | 15.0% | 2.5% | ||
| Q1 25 | 14.2% | 4.0% | ||
| Q4 24 | — | -8.2% | ||
| Q3 24 | 0.2% | 0.8% | ||
| Q2 24 | 14.2% | 2.8% | ||
| Q1 24 | 13.5% | -7.8% |
| Q4 25 | $1.21 | $-0.16 | ||
| Q3 25 | $3.96 | $-0.54 | ||
| Q2 25 | $2.94 | $0.30 | ||
| Q1 25 | $2.78 | $0.50 | ||
| Q4 24 | $0.08 | $-0.93 | ||
| Q3 24 | $0.05 | $0.08 | ||
| Q2 24 | $2.66 | $0.32 | ||
| Q1 24 | $2.70 | $-0.96 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $3.6B | $59.5M |
| Total DebtLower is stronger | $4.3B | $787.4M |
| Stockholders' EquityBook value | $3.3B | $333.6M |
| Total Assets | $22.7B | $3.2B |
| Debt / EquityLower = less leverage | 1.29× | 2.36× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $59.5M | ||
| Q3 25 | $3.8B | $66.5M | ||
| Q2 25 | $3.8B | $50.3M | ||
| Q1 25 | $4.2B | $57.7M | ||
| Q4 24 | $4.0B | $70.1M | ||
| Q3 24 | $3.5B | $83.6M | ||
| Q2 24 | $4.1B | $117.9M | ||
| Q1 24 | $3.8B | $131.7M |
| Q4 25 | $4.3B | $787.4M | ||
| Q3 25 | $3.8B | $962.2M | ||
| Q2 25 | $4.2B | $917.1M | ||
| Q1 25 | $5.1B | $917.6M | ||
| Q4 24 | $5.6B | $1.0B | ||
| Q3 24 | $4.6B | $1.1B | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $951.8M |
| Q4 25 | $3.3B | $333.6M | ||
| Q3 25 | $3.3B | $344.1M | ||
| Q2 25 | $3.2B | $397.2M | ||
| Q1 25 | $3.1B | $380.6M | ||
| Q4 24 | $3.1B | $135.5M | ||
| Q3 24 | $3.1B | $242.1M | ||
| Q2 24 | $3.2B | $286.8M | ||
| Q1 24 | $3.0B | $302.7M |
| Q4 25 | $22.7B | $3.2B | ||
| Q3 25 | $21.7B | $3.3B | ||
| Q2 25 | $21.8B | $3.3B | ||
| Q1 25 | $22.4B | $3.3B | ||
| Q4 24 | $22.9B | $3.4B | ||
| Q3 24 | $21.7B | $3.4B | ||
| Q2 24 | $22.1B | $3.4B | ||
| Q1 24 | $22.3B | $3.4B |
| Q4 25 | 1.29× | 2.36× | ||
| Q3 25 | 1.14× | 2.80× | ||
| Q2 25 | 1.34× | 2.31× | ||
| Q1 25 | 1.67× | 2.41× | ||
| Q4 24 | 1.82× | 7.58× | ||
| Q3 24 | 1.47× | 4.51× | ||
| Q2 24 | — | 3.49× | ||
| Q1 24 | — | 3.14× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $568.0M | $119.1M |
| Free Cash FlowOCF − Capex | — | $63.7M |
| FCF MarginFCF / Revenue | — | 6.5% |
| Capex IntensityCapex / Revenue | — | 5.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $96.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $119.1M | ||
| Q3 25 | $605.0M | $34.4M | ||
| Q2 25 | $526.0M | $49.7M | ||
| Q1 25 | $393.0M | $73.5M | ||
| Q4 24 | $479.0M | $119.8M | ||
| Q3 24 | $456.0M | $-7.8M | ||
| Q2 24 | $477.0M | $42.4M | ||
| Q1 24 | $447.0M | $73.8M |
| Q4 25 | — | $63.7M | ||
| Q3 25 | — | $-5.7M | ||
| Q2 25 | — | $11.1M | ||
| Q1 25 | — | $27.7M | ||
| Q4 24 | — | $66.7M | ||
| Q3 24 | — | $-67.3M | ||
| Q2 24 | — | $-12.1M | ||
| Q1 24 | — | $20.0M |
| Q4 25 | — | 6.5% | ||
| Q3 25 | — | -0.6% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 6.9% | ||
| Q3 24 | — | -7.4% | ||
| Q2 24 | — | -1.2% | ||
| Q1 24 | — | 1.9% |
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | 5.5% | ||
| Q3 24 | — | 6.5% | ||
| Q2 24 | — | 5.5% | ||
| Q1 24 | — | 5.0% |
| Q4 25 | — | — | ||
| Q3 25 | 3.22× | — | ||
| Q2 25 | 3.78× | 1.95× | ||
| Q1 25 | 2.85× | 1.74× | ||
| Q4 24 | — | — | ||
| Q3 24 | 228.00× | -1.13× | ||
| Q2 24 | 3.59× | 1.49× | ||
| Q1 24 | 3.34× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
BLMN
| Food And Beverage | $958.0M | 98% |
| Franchiseand Other Revenue | $17.2M | 2% |
| International Franchise Segment | $7.8M | 1% |
