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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and GRIFFON CORP (GFF). 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 $649.1M, roughly 1.5× GRIFFON CORP). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs 2.6%). Over the past eight quarters, BREAD FINANCIAL HOLDINGS, INC.'s revenue compounded faster (-0.8% CAGR vs -1.8%).
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.
Griffon Corporation is a multinational conglomerate headquartered in New York City. It operates as a diversified management and holding company. The company has four subsidiaries: Ames True Temper, ClosetMaid, Clopay Building Products, and CornellCookson. Griffon has been publicly traded since 1961 and is listed on the New York Stock Exchange as a component stock of the S&P SmallCap 600, S&P Composite 1500, and Russell 2000 indices.
BFH vs GFF — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $649.1M |
| Net Profit | — | $64.4M |
| Gross Margin | — | 41.1% |
| Operating Margin | 4.9% | 17.5% |
| Net Margin | — | 9.9% |
| Revenue YoY | 5.4% | 2.6% |
| Net Profit YoY | — | -9.1% |
| EPS (diluted) | $1.21 | $1.41 |
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 | $649.1M | ||
| Q3 25 | $971.0M | $662.2M | ||
| Q2 25 | $929.0M | $613.6M | ||
| Q1 25 | $970.0M | $611.7M | ||
| Q4 24 | $925.0M | $632.4M | ||
| Q3 24 | $983.0M | $659.7M | ||
| Q2 24 | $939.0M | $647.8M | ||
| Q1 24 | $991.0M | $672.9M |
| Q4 25 | — | $64.4M | ||
| Q3 25 | $188.0M | $43.6M | ||
| Q2 25 | $139.0M | $-120.1M | ||
| Q1 25 | $138.0M | $56.8M | ||
| Q4 24 | — | $70.9M | ||
| Q3 24 | $2.0M | $62.5M | ||
| Q2 24 | $133.0M | $41.1M | ||
| Q1 24 | $134.0M | $64.1M |
| Q4 25 | — | 41.1% | ||
| Q3 25 | — | 41.7% | ||
| Q2 25 | — | 43.2% | ||
| Q1 25 | — | 41.2% | ||
| Q4 24 | — | 41.8% | ||
| Q3 24 | — | 39.9% | ||
| Q2 24 | — | 38.5% | ||
| Q1 24 | — | 40.2% |
| Q4 25 | 4.9% | 17.5% | ||
| Q3 25 | 20.2% | 18.0% | ||
| Q2 25 | 18.7% | -20.5% | ||
| Q1 25 | 20.3% | 16.5% | ||
| Q4 24 | -2.9% | 17.7% | ||
| Q3 24 | 4.1% | 16.9% | ||
| Q2 24 | 19.2% | 13.8% | ||
| Q1 24 | 19.0% | 16.9% |
| Q4 25 | — | 9.9% | ||
| Q3 25 | 19.4% | 6.6% | ||
| Q2 25 | 15.0% | -19.6% | ||
| Q1 25 | 14.2% | 9.3% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | 0.2% | 9.5% | ||
| Q2 24 | 14.2% | 6.3% | ||
| Q1 24 | 13.5% | 9.5% |
| Q4 25 | $1.21 | $1.41 | ||
| Q3 25 | $3.96 | $1.04 | ||
| Q2 25 | $2.94 | $-2.65 | ||
| Q1 25 | $2.78 | $1.21 | ||
| Q4 24 | $0.08 | $1.49 | ||
| Q3 24 | $0.05 | $1.29 | ||
| Q2 24 | $2.66 | $0.84 | ||
| Q1 24 | $2.70 | $1.28 |
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 | $95.3M |
| Total DebtLower is stronger | $4.3B | — |
| Stockholders' EquityBook value | $3.3B | $108.9M |
| Total Assets | $22.7B | $2.1B |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $95.3M | ||
| Q3 25 | $3.8B | $99.0M | ||
| Q2 25 | $3.8B | $107.3M | ||
| Q1 25 | $4.2B | $127.8M | ||
| Q4 24 | $4.0B | $152.0M | ||
| Q3 24 | $3.5B | $114.4M | ||
| Q2 24 | $4.1B | $133.5M | ||
| Q1 24 | $3.8B | $123.0M |
| Q4 25 | $4.3B | — | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $4.2B | $1.5B | ||
| Q1 25 | $5.1B | $1.5B | ||
| Q4 24 | $5.6B | $1.5B | ||
| Q3 24 | $4.6B | $1.5B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $1.6B |
| Q4 25 | $3.3B | $108.9M | ||
| Q3 25 | $3.3B | $74.0M | ||
| Q2 25 | $3.2B | $63.9M | ||
| Q1 25 | $3.1B | $214.7M | ||
| Q4 24 | $3.1B | $227.8M | ||
| Q3 24 | $3.1B | $224.9M | ||
| Q2 24 | $3.2B | $223.5M | ||
| Q1 24 | $3.0B | $202.2M |
| Q4 25 | $22.7B | $2.1B | ||
| Q3 25 | $21.7B | $2.1B | ||
| Q2 25 | $21.8B | $2.1B | ||
| Q1 25 | $22.4B | $2.3B | ||
| Q4 24 | $22.9B | $2.3B | ||
| Q3 24 | $21.7B | $2.4B | ||
| Q2 24 | $22.1B | $2.4B | ||
| Q1 24 | $22.3B | $2.4B |
| Q4 25 | 1.29× | — | ||
| Q3 25 | 1.14× | — | ||
| Q2 25 | 1.34× | 22.71× | ||
| Q1 25 | 1.67× | 7.16× | ||
| Q4 24 | 1.82× | 6.48× | ||
| Q3 24 | 1.47× | 6.78× | ||
| Q2 24 | — | 6.74× | ||
| Q1 24 | — | 7.84× |
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 | $107.0M |
| Free Cash FlowOCF − Capex | — | $99.3M |
| FCF MarginFCF / Revenue | — | 15.3% |
| Capex IntensityCapex / Revenue | — | 1.2% |
| Cash ConversionOCF / Net Profit | — | 1.66× |
| TTM Free Cash FlowTrailing 4 quarters | — | $278.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $107.0M | ||
| Q3 25 | $605.0M | $75.0M | ||
| Q2 25 | $526.0M | $123.1M | ||
| Q1 25 | $393.0M | $16.5M | ||
| Q4 24 | $479.0M | $142.9M | ||
| Q3 24 | $456.0M | $72.1M | ||
| Q2 24 | $477.0M | $122.1M | ||
| Q1 24 | $447.0M | $39.8M |
| Q4 25 | — | $99.3M | ||
| Q3 25 | — | $62.4M | ||
| Q2 25 | — | $114.4M | ||
| Q1 25 | — | $2.8M | ||
| Q4 24 | — | $125.5M | ||
| Q3 24 | — | $51.6M | ||
| Q2 24 | — | $107.5M | ||
| Q1 24 | — | $20.8M |
| Q4 25 | — | 15.3% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | — | 18.6% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 19.8% | ||
| Q3 24 | — | 7.8% | ||
| Q2 24 | — | 16.6% | ||
| Q1 24 | — | 3.1% |
| Q4 25 | — | 1.2% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 2.8% | ||
| Q3 24 | — | 3.1% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 2.8% |
| Q4 25 | — | 1.66× | ||
| Q3 25 | 3.22× | 1.72× | ||
| Q2 25 | 3.78× | — | ||
| Q1 25 | 2.85× | 0.29× | ||
| Q4 24 | — | 2.02× | ||
| Q3 24 | 228.00× | 1.15× | ||
| Q2 24 | 3.59× | 2.97× | ||
| Q1 24 | 3.34× | 0.62× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
GFF
| Consumer And Professional Products | $241.1M | 37% |
| Residential Repairand Remodel | $202.1M | 31% |
| International Excluding North America | $97.8M | 15% |
| Retail | $47.3M | 7% |
| Residential New Construction | $32.5M | 5% |
| Other | $14.2M | 2% |
| Industrial | $14.1M | 2% |
