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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Gen Digital (GEN). Click either name above to swap in a different company.
Gen Digital is the larger business by last-quarter revenue ($1.2B vs $975.0M, roughly 1.3× BREAD FINANCIAL HOLDINGS, INC.). On growth, Gen Digital posted the faster year-over-year revenue change (28.5% vs 5.4%). Over the past eight quarters, Gen Digital's revenue compounded faster (13.2% 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.
Gen Digital Inc. is a multinational software company co-headquartered in both Tempe, Arizona (USA) and Prague, Czech Republic (EU). The company provides cybersecurity software, financial technology, and services. Gen is a Fortune 500 company and a member of the S&P 500 stock-market index. It is listed at both NASDAQ and Prague Stock Exchange. Its portfolio includes Norton, Avast, LifeLock, Avira, AVG, ReputationDefender, MoneyLion and CCleaner.
BFH vs GEN — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.2B |
| Net Profit | — | $192.0M |
| Gross Margin | — | 78.4% |
| Operating Margin | 4.9% | 34.9% |
| Net Margin | — | 15.5% |
| Revenue YoY | 5.4% | 28.5% |
| Net Profit YoY | — | 6.1% |
| EPS (diluted) | $1.21 | $0.31 |
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 | — | $1.2B | ||
| Q4 25 | $975.0M | $1.2B | ||
| Q3 25 | $971.0M | $1.3B | ||
| Q2 25 | $929.0M | — | ||
| Q1 25 | $970.0M | $1.0B | ||
| Q4 24 | $925.0M | $986.0M | ||
| Q3 24 | $983.0M | $974.0M | ||
| Q2 24 | $939.0M | $965.0M |
| Q1 26 | — | $192.0M | ||
| Q4 25 | — | $134.0M | ||
| Q3 25 | $188.0M | $135.0M | ||
| Q2 25 | $139.0M | — | ||
| Q1 25 | $138.0M | $142.0M | ||
| Q4 24 | — | $159.0M | ||
| Q3 24 | $2.0M | $161.0M | ||
| Q2 24 | $133.0M | $181.0M |
| Q1 26 | — | 78.4% | ||
| Q4 25 | — | 78.2% | ||
| Q3 25 | — | 78.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 80.3% | ||
| Q4 24 | — | 80.4% | ||
| Q3 24 | — | 80.1% | ||
| Q2 24 | — | 80.3% |
| Q1 26 | — | 34.9% | ||
| Q4 25 | 4.9% | 35.9% | ||
| Q3 25 | 20.2% | 35.5% | ||
| Q2 25 | 18.7% | — | ||
| Q1 25 | 20.3% | 41.3% | ||
| Q4 24 | -2.9% | 37.9% | ||
| Q3 24 | 4.1% | 41.3% | ||
| Q2 24 | 19.2% | 43.2% |
| Q1 26 | — | 15.5% | ||
| Q4 25 | — | 11.0% | ||
| Q3 25 | 19.4% | 10.7% | ||
| Q2 25 | 15.0% | — | ||
| Q1 25 | 14.2% | 14.1% | ||
| Q4 24 | — | 16.1% | ||
| Q3 24 | 0.2% | 16.5% | ||
| Q2 24 | 14.2% | 18.8% |
| Q1 26 | — | $0.31 | ||
| Q4 25 | $1.21 | $0.21 | ||
| Q3 25 | $3.96 | $0.22 | ||
| Q2 25 | $2.94 | — | ||
| Q1 25 | $2.78 | $0.22 | ||
| Q4 24 | $0.08 | $0.26 | ||
| Q3 24 | $0.05 | $0.26 | ||
| Q2 24 | $2.66 | $0.29 |
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 | — |
| Total DebtLower is stronger | $4.3B | $8.4B |
| Stockholders' EquityBook value | $3.3B | $2.3B |
| Total Assets | $22.7B | $15.8B |
| Debt / EquityLower = less leverage | 1.29× | 3.61× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $3.6B | — | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $3.8B | — | ||
| Q1 25 | $4.2B | $1.0B | ||
| Q4 24 | $4.0B | $883.0M | ||
| Q3 24 | $3.5B | $737.0M | ||
| Q2 24 | $4.1B | $644.0M |
| Q1 26 | — | $8.4B | ||
| Q4 25 | $4.3B | $8.7B | ||
| Q3 25 | $3.8B | $8.9B | ||
| Q2 25 | $4.2B | — | ||
| Q1 25 | $5.1B | $8.3B | ||
| Q4 24 | $5.6B | $8.5B | ||
| Q3 24 | $4.6B | $8.5B | ||
| Q2 24 | — | $8.5B |
| Q1 26 | — | $2.3B | ||
| Q4 25 | $3.3B | $2.5B | ||
| Q3 25 | $3.3B | $2.4B | ||
| Q2 25 | $3.2B | — | ||
| Q1 25 | $3.1B | $2.3B | ||
| Q4 24 | $3.1B | $2.2B | ||
| Q3 24 | $3.1B | $2.1B | ||
| Q2 24 | $3.2B | $2.0B |
| Q1 26 | — | $15.8B | ||
| Q4 25 | $22.7B | $16.1B | ||
| Q3 25 | $21.7B | $16.4B | ||
| Q2 25 | $21.8B | — | ||
| Q1 25 | $22.4B | $15.5B | ||
| Q4 24 | $22.9B | $15.4B | ||
| Q3 24 | $21.7B | $15.5B | ||
| Q2 24 | $22.1B | $15.4B |
| Q1 26 | — | 3.61× | ||
| Q4 25 | 1.29× | 3.54× | ||
| Q3 25 | 1.14× | 3.75× | ||
| Q2 25 | 1.34× | — | ||
| Q1 25 | 1.67× | 3.64× | ||
| Q4 24 | 1.82× | 3.94× | ||
| Q3 24 | 1.47× | 4.06× | ||
| Q2 24 | — | 4.33× |
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 | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $568.0M | $541.0M | ||
| Q3 25 | $605.0M | $409.0M | ||
| Q2 25 | $526.0M | — | ||
| Q1 25 | $393.0M | $473.0M | ||
| Q4 24 | $479.0M | $326.0M | ||
| Q3 24 | $456.0M | $158.0M | ||
| Q2 24 | $477.0M | $264.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $535.0M | ||
| Q3 25 | — | $405.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $470.0M | ||
| Q4 24 | — | $318.0M | ||
| Q3 24 | — | $156.0M | ||
| Q2 24 | — | $262.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 43.9% | ||
| Q3 25 | — | 32.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 46.5% | ||
| Q4 24 | — | 32.3% | ||
| Q3 24 | — | 16.0% | ||
| Q2 24 | — | 27.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.8% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.04× | ||
| Q3 25 | 3.22× | 3.03× | ||
| Q2 25 | 3.78× | — | ||
| Q1 25 | 2.85× | 3.33× | ||
| Q4 24 | — | 2.05× | ||
| Q3 24 | 228.00× | 0.98× | ||
| Q2 24 | 3.59× | 1.46× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
GEN
| Cyber Safety Platform | $819.0M | 66% |
| Trust Based Solutions | $421.0M | 34% |
| Net Interest Income On Notes Receivable | $4.0M | 0% |
