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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Element Solutions Inc (ESI). Click either name above to swap in a different company.
BREAD FINANCIAL HOLDINGS, INC. is the larger business by last-quarter revenue ($975.0M vs $840.0M, roughly 1.2× Element Solutions Inc). On growth, Element Solutions Inc posted the faster year-over-year revenue change (41.0% vs 5.4%). Over the past eight quarters, Element Solutions Inc's revenue compounded faster (17.1% CAGR vs -0.8%).
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.
Element Solutions Inc is an American specialty chemicals production corporation listed on the New York Stock Exchange.
BFH vs ESI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $840.0M |
| Net Profit | — | $56.0M |
| Gross Margin | — | 38.4% |
| Operating Margin | 4.9% | 13.3% |
| Net Margin | — | 6.7% |
| Revenue YoY | 5.4% | 41.0% |
| Net Profit YoY | — | -43.0% |
| EPS (diluted) | $1.21 | $0.23 |
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.
| Q1 26 | — | $840.0M | ||
| Q4 25 | $975.0M | $676.2M | ||
| Q3 25 | $971.0M | $656.1M | ||
| Q2 25 | $929.0M | $625.2M | ||
| Q1 25 | $970.0M | $593.7M | ||
| Q4 24 | $925.0M | $624.2M | ||
| Q3 24 | $983.0M | $645.0M | ||
| Q2 24 | $939.0M | $612.7M |
| Q1 26 | — | $56.0M | ||
| Q4 25 | — | $6.2M | ||
| Q3 25 | $188.0M | $39.3M | ||
| Q2 25 | $139.0M | $47.4M | ||
| Q1 25 | $138.0M | $98.0M | ||
| Q4 24 | — | $54.7M | ||
| Q3 24 | $2.0M | $40.3M | ||
| Q2 24 | $133.0M | $93.2M |
| Q1 26 | — | 38.4% | ||
| Q4 25 | — | 40.9% | ||
| Q3 25 | — | 42.2% | ||
| Q2 25 | — | 42.6% | ||
| Q1 25 | — | 42.2% | ||
| Q4 24 | — | 41.0% | ||
| Q3 24 | — | 41.5% | ||
| Q2 24 | — | 43.6% |
| Q1 26 | — | 13.3% | ||
| Q4 25 | 4.9% | 10.3% | ||
| Q3 25 | 20.2% | 15.4% | ||
| Q2 25 | 18.7% | 15.1% | ||
| Q1 25 | 20.3% | 13.0% | ||
| Q4 24 | -2.9% | 12.0% | ||
| Q3 24 | 4.1% | 14.7% | ||
| Q2 24 | 19.2% | 15.7% |
| Q1 26 | — | 6.7% | ||
| Q4 25 | — | 0.9% | ||
| Q3 25 | 19.4% | 6.0% | ||
| Q2 25 | 15.0% | 7.6% | ||
| Q1 25 | 14.2% | 16.5% | ||
| Q4 24 | — | 8.8% | ||
| Q3 24 | 0.2% | 6.2% | ||
| Q2 24 | 14.2% | 15.2% |
| Q1 26 | — | $0.23 | ||
| Q4 25 | $1.21 | $0.03 | ||
| Q3 25 | $3.96 | $0.16 | ||
| Q2 25 | $2.94 | $0.20 | ||
| Q1 25 | $2.78 | $0.40 | ||
| Q4 24 | $0.08 | $0.22 | ||
| Q3 24 | $0.05 | $0.17 | ||
| Q2 24 | $2.66 | $0.39 |
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 | $177.3M |
| Total DebtLower is stronger | $4.3B | — |
| Stockholders' EquityBook value | $3.3B | $2.7B |
| Total Assets | $22.7B | $5.7B |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $177.3M | ||
| Q4 25 | $3.6B | $626.5M | ||
| Q3 25 | $3.8B | $594.3M | ||
| Q2 25 | $3.8B | $529.9M | ||
| Q1 25 | $4.2B | $499.2M | ||
| Q4 24 | $4.0B | $359.4M | ||
| Q3 24 | $3.5B | $376.0M | ||
| Q2 24 | $4.1B | $309.3M |
| Q1 26 | — | — | ||
| Q4 25 | $4.3B | $1.6B | ||
| Q3 25 | $3.8B | $1.6B | ||
| Q2 25 | $4.2B | $1.6B | ||
| Q1 25 | $5.1B | $1.6B | ||
| Q4 24 | $5.6B | $1.8B | ||
| Q3 24 | $4.6B | $1.9B | ||
| Q2 24 | — | $1.9B |
| Q1 26 | — | $2.7B | ||
| Q4 25 | $3.3B | $2.7B | ||
| Q3 25 | $3.3B | $2.7B | ||
| Q2 25 | $3.2B | $2.6B | ||
| Q1 25 | $3.1B | $2.5B | ||
| Q4 24 | $3.1B | $2.4B | ||
| Q3 24 | $3.1B | $2.4B | ||
| Q2 24 | $3.2B | $2.4B |
| Q1 26 | — | $5.7B | ||
| Q4 25 | $22.7B | $5.1B | ||
| Q3 25 | $21.7B | $5.0B | ||
| Q2 25 | $21.8B | $5.0B | ||
| Q1 25 | $22.4B | $4.8B | ||
| Q4 24 | $22.9B | $4.9B | ||
| Q3 24 | $21.7B | $5.1B | ||
| Q2 24 | $22.1B | $5.0B |
| Q1 26 | — | — | ||
| Q4 25 | 1.29× | 0.61× | ||
| Q3 25 | 1.14× | 0.61× | ||
| Q2 25 | 1.34× | 0.62× | ||
| Q1 25 | 1.67× | 0.64× | ||
| Q4 24 | 1.82× | 0.76× | ||
| Q3 24 | 1.47× | 0.78× | ||
| Q2 24 | — | 0.81× |
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 | — |
| Free Cash FlowOCF − Capex | — | $-74.2M |
| FCF MarginFCF / Revenue | — | -8.8% |
| Capex IntensityCapex / Revenue | — | 3.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $568.0M | — | ||
| Q3 25 | $605.0M | $100.1M | ||
| Q2 25 | $526.0M | — | ||
| Q1 25 | $393.0M | $26.0M | ||
| Q4 24 | $479.0M | — | ||
| Q3 24 | $456.0M | $98.5M | ||
| Q2 24 | $477.0M | — |
| Q1 26 | — | $-74.2M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $83.6M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $15.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $85.9M | ||
| Q2 24 | — | — |
| Q1 26 | — | -8.8% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 12.7% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 13.3% | ||
| Q2 24 | — | — |
| Q1 26 | — | 3.0% | ||
| Q4 25 | — | 2.5% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 2.8% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 2.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.22× | 2.55× | ||
| Q2 25 | 3.78× | — | ||
| Q1 25 | 2.85× | 0.27× | ||
| Q4 24 | — | — | ||
| Q3 24 | 228.00× | 2.44× | ||
| Q2 24 | 3.59× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
ESI
| Electronics ex-Metals | $377.8M | 45% |
| Pass-through Metals | $255.7M | 30% |
| Other | $206.5M | 25% |
