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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and FRESH DEL MONTE PRODUCE INC (FDP). Click either name above to swap in a different company.
FRESH DEL MONTE PRODUCE INC is the larger business by last-quarter revenue ($1.0B 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 0.6%). Over the past eight quarters, BREAD FINANCIAL HOLDINGS, INC.'s revenue compounded faster (-0.8% CAGR vs -4.1%).
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.
Fresh Del Monte Produce Incorporated is one of the world’s leading vertically integrated producers, distributors, and marketers of prepared, fresh and fresh-cut fruits and vegetables. Incorporated in George Town, Cayman Islands, its US executive office is located at 241 Sevilla Avenue, Coral Gables, Florida.
BFH vs FDP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.0B |
| Net Profit | — | $32.3M |
| Gross Margin | — | 10.4% |
| Operating Margin | 4.9% | 4.5% |
| Net Margin | — | 3.2% |
| Revenue YoY | 5.4% | 0.6% |
| Net Profit YoY | — | 59.1% |
| EPS (diluted) | $1.21 | $0.67 |
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 | $1.0B | ||
| Q3 25 | $971.0M | $1.0B | ||
| Q2 25 | $929.0M | $1.2B | ||
| Q1 25 | $970.0M | $1.1B | ||
| Q4 24 | $925.0M | $1.0B | ||
| Q3 24 | $983.0M | $1.0B | ||
| Q2 24 | $939.0M | $1.1B | ||
| Q1 24 | $991.0M | $1.1B |
| Q4 25 | — | $32.3M | ||
| Q3 25 | $188.0M | $-29.1M | ||
| Q2 25 | $139.0M | $56.8M | ||
| Q1 25 | $138.0M | $31.1M | ||
| Q4 24 | — | $20.3M | ||
| Q3 24 | $2.0M | $42.1M | ||
| Q2 24 | $133.0M | $53.6M | ||
| Q1 24 | $134.0M | $26.1M |
| Q4 25 | — | 10.4% | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 10.2% | ||
| Q1 25 | — | 8.4% | ||
| Q4 24 | — | 6.8% | ||
| Q3 24 | — | 9.2% | ||
| Q2 24 | — | 9.9% | ||
| Q1 24 | — | 7.4% |
| Q4 25 | 4.9% | 4.5% | ||
| Q3 25 | 20.2% | -2.1% | ||
| Q2 25 | 18.7% | 5.8% | ||
| Q1 25 | 20.3% | 4.1% | ||
| Q4 24 | -2.9% | 3.0% | ||
| Q3 24 | 4.1% | 5.3% | ||
| Q2 24 | 19.2% | 6.0% | ||
| Q1 24 | 19.0% | 4.0% |
| Q4 25 | — | 3.2% | ||
| Q3 25 | 19.4% | -2.8% | ||
| Q2 25 | 15.0% | 4.8% | ||
| Q1 25 | 14.2% | 2.8% | ||
| Q4 24 | — | 2.0% | ||
| Q3 24 | 0.2% | 4.1% | ||
| Q2 24 | 14.2% | 4.7% | ||
| Q1 24 | 13.5% | 2.4% |
| Q4 25 | $1.21 | $0.67 | ||
| Q3 25 | $3.96 | $-0.61 | ||
| Q2 25 | $2.94 | $1.18 | ||
| Q1 25 | $2.78 | $0.64 | ||
| Q4 24 | $0.08 | $0.41 | ||
| Q3 24 | $0.05 | $0.88 | ||
| Q2 24 | $2.66 | $1.12 | ||
| Q1 24 | $2.70 | $0.55 |
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 | $35.7M |
| Total DebtLower is stronger | $4.3B | $176.2M |
| Stockholders' EquityBook value | $3.3B | $2.0B |
| Total Assets | $22.7B | $3.1B |
| Debt / EquityLower = less leverage | 1.29× | 0.09× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $35.7M | ||
| Q3 25 | $3.8B | $97.2M | ||
| Q2 25 | $3.8B | $85.5M | ||
| Q1 25 | $4.2B | $34.4M | ||
| Q4 24 | $4.0B | $32.6M | ||
| Q3 24 | $3.5B | $50.8M | ||
| Q2 24 | $4.1B | $37.8M | ||
| Q1 24 | $3.8B | $42.2M |
| Q4 25 | $4.3B | $176.2M | ||
| Q3 25 | $3.8B | $176.7M | ||
| Q2 25 | $4.2B | $205.2M | ||
| Q1 25 | $5.1B | $237.4M | ||
| Q4 24 | $5.6B | $248.9M | ||
| Q3 24 | $4.6B | $274.8M | ||
| Q2 24 | — | $290.4M | ||
| Q1 24 | — | $405.8M |
| Q4 25 | $3.3B | $2.0B | ||
| Q3 25 | $3.3B | $2.0B | ||
| Q2 25 | $3.2B | $2.1B | ||
| Q1 25 | $3.1B | $2.0B | ||
| Q4 24 | $3.1B | $2.0B | ||
| Q3 24 | $3.1B | $2.0B | ||
| Q2 24 | $3.2B | $2.0B | ||
| Q1 24 | $3.0B | $1.9B |
| Q4 25 | $22.7B | $3.1B | ||
| Q3 25 | $21.7B | $3.1B | ||
| Q2 25 | $21.8B | $3.2B | ||
| Q1 25 | $22.4B | $3.2B | ||
| Q4 24 | $22.9B | $3.1B | ||
| Q3 24 | $21.7B | $3.2B | ||
| Q2 24 | $22.1B | $3.1B | ||
| Q1 24 | $22.3B | $3.2B |
| Q4 25 | 1.29× | 0.09× | ||
| Q3 25 | 1.14× | 0.09× | ||
| Q2 25 | 1.34× | 0.10× | ||
| Q1 25 | 1.67× | 0.12× | ||
| Q4 24 | 1.82× | 0.13× | ||
| Q3 24 | 1.47× | 0.14× | ||
| Q2 24 | — | 0.15× | ||
| Q1 24 | — | 0.21× |
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 | $10.9M |
| Free Cash FlowOCF − Capex | — | $-17.2M |
| FCF MarginFCF / Revenue | — | -1.7% |
| Capex IntensityCapex / Revenue | — | 2.8% |
| Cash ConversionOCF / Net Profit | — | 0.34× |
| TTM Free Cash FlowTrailing 4 quarters | — | $181.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $10.9M | ||
| Q3 25 | $605.0M | $75.0M | ||
| Q2 25 | $526.0M | $113.1M | ||
| Q1 25 | $393.0M | $46.1M | ||
| Q4 24 | $479.0M | $-4.7M | ||
| Q3 24 | $456.0M | $43.5M | ||
| Q2 24 | $477.0M | $125.0M | ||
| Q1 24 | $447.0M | $18.7M |
| Q4 25 | — | $-17.2M | ||
| Q3 25 | — | $60.9M | ||
| Q2 25 | — | $101.5M | ||
| Q1 25 | — | $36.1M | ||
| Q4 24 | — | $-22.3M | ||
| Q3 24 | — | $30.1M | ||
| Q2 24 | — | $117.0M | ||
| Q1 24 | — | $6.0M |
| Q4 25 | — | -1.7% | ||
| Q3 25 | — | 6.0% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | — | 3.3% | ||
| Q4 24 | — | -2.2% | ||
| Q3 24 | — | 3.0% | ||
| Q2 24 | — | 10.3% | ||
| Q1 24 | — | 0.5% |
| Q4 25 | — | 2.8% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | — | 0.34× | ||
| Q3 25 | 3.22× | — | ||
| Q2 25 | 3.78× | 1.99× | ||
| Q1 25 | 2.85× | 1.48× | ||
| Q4 24 | — | -0.23× | ||
| Q3 24 | 228.00× | 1.03× | ||
| Q2 24 | 3.59× | 2.33× | ||
| Q1 24 | 3.34× | 0.72× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
FDP
| Other | $482.7M | 47% |
| Gold Pineapples | $184.9M | 18% |
| Fresh Cut Fruit | $126.4M | 12% |
| Fresh Cut Vegetables | $69.3M | 7% |
| Avocados | $66.9M | 7% |
| Other Fruit Productsand Services | $26.1M | 3% |
| Non Tropical Fruit | $23.0M | 2% |
| Melons | $20.6M | 2% |
| Vegetables | $19.6M | 2% |
