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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and FEDERAL SIGNAL CORP (FSS). 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 $597.1M, roughly 1.6× FEDERAL SIGNAL CORP). On growth, FEDERAL SIGNAL CORP posted the faster year-over-year revenue change (26.5% vs 5.4%). Over the past eight quarters, FEDERAL SIGNAL CORP's revenue compounded faster (18.5% 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.
The Federal Signal Company was an American manufacturer of railway signaling equipment in the early 20th century. It was located in Albany, New York.
BFH vs FSS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $597.1M |
| Net Profit | — | $60.8M |
| Gross Margin | — | 28.4% |
| Operating Margin | 4.9% | 14.0% |
| Net Margin | — | 10.2% |
| Revenue YoY | 5.4% | 26.5% |
| Net Profit YoY | — | 21.6% |
| EPS (diluted) | $1.21 | $0.99 |
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 | $597.1M | ||
| Q3 25 | $971.0M | $555.0M | ||
| Q2 25 | $929.0M | $564.6M | ||
| Q1 25 | $970.0M | $463.8M | ||
| Q4 24 | $925.0M | $472.0M | ||
| Q3 24 | $983.0M | $474.2M | ||
| Q2 24 | $939.0M | $490.4M | ||
| Q1 24 | $991.0M | $424.9M |
| Q4 25 | — | $60.8M | ||
| Q3 25 | $188.0M | $68.1M | ||
| Q2 25 | $139.0M | $71.4M | ||
| Q1 25 | $138.0M | $46.3M | ||
| Q4 24 | — | $50.0M | ||
| Q3 24 | $2.0M | $53.9M | ||
| Q2 24 | $133.0M | $60.8M | ||
| Q1 24 | $134.0M | $51.6M |
| Q4 25 | — | 28.4% | ||
| Q3 25 | — | 29.1% | ||
| Q2 25 | — | 30.0% | ||
| Q1 25 | — | 28.2% | ||
| Q4 24 | — | 28.1% | ||
| Q3 24 | — | 29.6% | ||
| Q2 24 | — | 29.4% | ||
| Q1 24 | — | 27.3% |
| Q4 25 | 4.9% | 14.0% | ||
| Q3 25 | 20.2% | 16.9% | ||
| Q2 25 | 18.7% | 17.3% | ||
| Q1 25 | 20.3% | 14.2% | ||
| Q4 24 | -2.9% | 14.9% | ||
| Q3 24 | 4.1% | 16.0% | ||
| Q2 24 | 19.2% | 16.5% | ||
| Q1 24 | 19.0% | 12.8% |
| Q4 25 | — | 10.2% | ||
| Q3 25 | 19.4% | 12.3% | ||
| Q2 25 | 15.0% | 12.6% | ||
| Q1 25 | 14.2% | 10.0% | ||
| Q4 24 | — | 10.6% | ||
| Q3 24 | 0.2% | 11.4% | ||
| Q2 24 | 14.2% | 12.4% | ||
| Q1 24 | 13.5% | 12.1% |
| Q4 25 | $1.21 | $0.99 | ||
| Q3 25 | $3.96 | $1.11 | ||
| Q2 25 | $2.94 | $1.16 | ||
| Q1 25 | $2.78 | $0.75 | ||
| Q4 24 | $0.08 | $0.80 | ||
| Q3 24 | $0.05 | $0.87 | ||
| Q2 24 | $2.66 | $0.99 | ||
| Q1 24 | $2.70 | $0.84 |
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 | $63.7M |
| Total DebtLower is stronger | $4.3B | $564.6M |
| Stockholders' EquityBook value | $3.3B | $1.4B |
| Total Assets | $22.7B | $2.4B |
| Debt / EquityLower = less leverage | 1.29× | 0.41× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $63.7M | ||
| Q3 25 | $3.8B | $54.4M | ||
| Q2 25 | $3.8B | $64.7M | ||
| Q1 25 | $4.2B | $57.5M | ||
| Q4 24 | $4.0B | $91.1M | ||
| Q3 24 | $3.5B | $73.7M | ||
| Q2 24 | $4.1B | $48.6M | ||
| Q1 24 | $3.8B | $48.9M |
| Q4 25 | $4.3B | $564.6M | ||
| Q3 25 | $3.8B | $201.2M | ||
| Q2 25 | $4.2B | $258.3M | ||
| Q1 25 | $5.1B | $266.9M | ||
| Q4 24 | $5.6B | $204.4M | ||
| Q3 24 | $4.6B | $223.3M | ||
| Q2 24 | — | $248.8M | ||
| Q1 24 | — | $266.8M |
| Q4 25 | $3.3B | $1.4B | ||
| Q3 25 | $3.3B | $1.3B | ||
| Q2 25 | $3.2B | $1.3B | ||
| Q1 25 | $3.1B | $1.2B | ||
| Q4 24 | $3.1B | $1.2B | ||
| Q3 24 | $3.1B | $1.1B | ||
| Q2 24 | $3.2B | $1.1B | ||
| Q1 24 | $3.0B | $1.0B |
| Q4 25 | $22.7B | $2.4B | ||
| Q3 25 | $21.7B | $1.9B | ||
| Q2 25 | $21.8B | $1.9B | ||
| Q1 25 | $22.4B | $1.9B | ||
| Q4 24 | $22.9B | $1.8B | ||
| Q3 24 | $21.7B | $1.7B | ||
| Q2 24 | $22.1B | $1.7B | ||
| Q1 24 | $22.3B | $1.7B |
| Q4 25 | 1.29× | 0.41× | ||
| Q3 25 | 1.14× | 0.15× | ||
| Q2 25 | 1.34× | 0.20× | ||
| Q1 25 | 1.67× | 0.22× | ||
| Q4 24 | 1.82× | 0.17× | ||
| Q3 24 | 1.47× | 0.19× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.26× |
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 | $97.2M |
| Free Cash FlowOCF − Capex | — | $89.5M |
| FCF MarginFCF / Revenue | — | 15.0% |
| Capex IntensityCapex / Revenue | — | 1.3% |
| Cash ConversionOCF / Net Profit | — | 1.60× |
| TTM Free Cash FlowTrailing 4 quarters | — | $227.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $97.2M | ||
| Q3 25 | $605.0M | $61.1M | ||
| Q2 25 | $526.0M | $59.7M | ||
| Q1 25 | $393.0M | $36.7M | ||
| Q4 24 | $479.0M | $90.6M | ||
| Q3 24 | $456.0M | $68.8M | ||
| Q2 24 | $477.0M | $40.6M | ||
| Q1 24 | $447.0M | $31.3M |
| Q4 25 | — | $89.5M | ||
| Q3 25 | — | $54.1M | ||
| Q2 25 | — | $52.4M | ||
| Q1 25 | — | $31.1M | ||
| Q4 24 | — | $82.1M | ||
| Q3 24 | — | $60.9M | ||
| Q2 24 | — | $24.8M | ||
| Q1 24 | — | $22.9M |
| Q4 25 | — | 15.0% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 9.3% | ||
| Q1 25 | — | 6.7% | ||
| Q4 24 | — | 17.4% | ||
| Q3 24 | — | 12.8% | ||
| Q2 24 | — | 5.1% | ||
| Q1 24 | — | 5.4% |
| Q4 25 | — | 1.3% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.3% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 3.2% | ||
| Q1 24 | — | 2.0% |
| Q4 25 | — | 1.60× | ||
| Q3 25 | 3.22× | 0.90× | ||
| Q2 25 | 3.78× | 0.84× | ||
| Q1 25 | 2.85× | 0.79× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | 228.00× | 1.28× | ||
| Q2 24 | 3.59× | 0.67× | ||
| Q1 24 | 3.34× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
FSS
| Vehiclesandequipment | $403.4M | 68% |
| Parts | $66.8M | 11% |
| Publicsafetyandsecurityequipment | $62.2M | 10% |
| Rentalincome | $19.0M | 3% |
| Industrialsignalingequipment | $18.2M | 3% |
| Other | $14.9M | 2% |
| Warningsystems | $12.6M | 2% |
