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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and GRACO INC (GGG). 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 $593.2M, roughly 1.6× GRACO INC). On growth, GRACO INC posted the faster year-over-year revenue change (8.1% vs 5.4%). Over the past eight quarters, GRACO INC's revenue compounded faster (9.8% 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.
Graco Inc. is an American industrial company that specializes in the development and manufacturing of fluid-handling systems and products. The company is headquartered in Minneapolis, Minnesota, and markets its products to customers worldwide.
BFH vs GGG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $593.2M |
| Net Profit | — | $132.5M |
| Gross Margin | — | 51.7% |
| Operating Margin | 4.9% | 26.7% |
| Net Margin | — | 22.3% |
| Revenue YoY | 5.4% | 8.1% |
| Net Profit YoY | — | 21.9% |
| EPS (diluted) | $1.21 | $0.78 |
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 | $593.2M | ||
| Q3 25 | $971.0M | $543.4M | ||
| Q2 25 | $929.0M | $571.8M | ||
| Q1 25 | $970.0M | $528.3M | ||
| Q4 24 | $925.0M | $548.7M | ||
| Q3 24 | $983.0M | $519.2M | ||
| Q2 24 | $939.0M | $553.2M | ||
| Q1 24 | $991.0M | $492.2M |
| Q4 25 | — | $132.5M | ||
| Q3 25 | $188.0M | $137.6M | ||
| Q2 25 | $139.0M | $127.6M | ||
| Q1 25 | $138.0M | $124.1M | ||
| Q4 24 | — | $108.7M | ||
| Q3 24 | $2.0M | $122.2M | ||
| Q2 24 | $133.0M | $133.0M | ||
| Q1 24 | $134.0M | $122.2M |
| Q4 25 | — | 51.7% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 52.4% | ||
| Q1 25 | — | 52.6% | ||
| Q4 24 | — | 50.9% | ||
| Q3 24 | — | 53.2% | ||
| Q2 24 | — | 54.4% | ||
| Q1 24 | — | 54.1% |
| Q4 25 | 4.9% | 26.7% | ||
| Q3 25 | 20.2% | 30.3% | ||
| Q2 25 | 18.7% | 27.5% | ||
| Q1 25 | 20.3% | 27.3% | ||
| Q4 24 | -2.9% | 23.7% | ||
| Q3 24 | 4.1% | 28.1% | ||
| Q2 24 | 19.2% | 29.2% | ||
| Q1 24 | 19.0% | 27.0% |
| Q4 25 | — | 22.3% | ||
| Q3 25 | 19.4% | 25.3% | ||
| Q2 25 | 15.0% | 22.3% | ||
| Q1 25 | 14.2% | 23.5% | ||
| Q4 24 | — | 19.8% | ||
| Q3 24 | 0.2% | 23.5% | ||
| Q2 24 | 14.2% | 24.0% | ||
| Q1 24 | 13.5% | 24.8% |
| Q4 25 | $1.21 | $0.78 | ||
| Q3 25 | $3.96 | $0.82 | ||
| Q2 25 | $2.94 | $0.76 | ||
| Q1 25 | $2.78 | $0.72 | ||
| Q4 24 | $0.08 | $0.63 | ||
| Q3 24 | $0.05 | $0.71 | ||
| Q2 24 | $2.66 | $0.77 | ||
| Q1 24 | $2.70 | $0.71 |
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 | $624.1M |
| Total DebtLower is stronger | $4.3B | — |
| Stockholders' EquityBook value | $3.3B | $2.7B |
| Total Assets | $22.7B | $3.3B |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $624.1M | ||
| Q3 25 | $3.8B | $618.7M | ||
| Q2 25 | $3.8B | $534.9M | ||
| Q1 25 | $4.2B | $536.1M | ||
| Q4 24 | $4.0B | $675.3M | ||
| Q3 24 | $3.5B | $764.5M | ||
| Q2 24 | $4.1B | $666.0M | ||
| Q1 24 | $3.8B | $622.7M |
| Q4 25 | $4.3B | — | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $4.2B | — | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $5.6B | — | ||
| Q3 24 | $4.6B | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $3.3B | $2.7B | ||
| Q3 25 | $3.3B | $2.6B | ||
| Q2 25 | $3.2B | $2.5B | ||
| Q1 25 | $3.1B | $2.5B | ||
| Q4 24 | $3.1B | $2.6B | ||
| Q3 24 | $3.1B | $2.5B | ||
| Q2 24 | $3.2B | $2.4B | ||
| Q1 24 | $3.0B | $2.3B |
| Q4 25 | $22.7B | $3.3B | ||
| Q3 25 | $21.7B | $3.2B | ||
| Q2 25 | $21.8B | $3.0B | ||
| Q1 25 | $22.4B | $3.0B | ||
| Q4 24 | $22.9B | $3.1B | ||
| Q3 24 | $21.7B | $3.0B | ||
| Q2 24 | $22.1B | $2.9B | ||
| Q1 24 | $22.3B | $2.8B |
| Q4 25 | 1.29× | — | ||
| Q3 25 | 1.14× | — | ||
| Q2 25 | 1.34× | — | ||
| Q1 25 | 1.67× | — | ||
| Q4 24 | 1.82× | — | ||
| Q3 24 | 1.47× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $196.3M |
| Free Cash FlowOCF − Capex | — | $184.3M |
| FCF MarginFCF / Revenue | — | 31.1% |
| Capex IntensityCapex / Revenue | — | 2.0% |
| Cash ConversionOCF / Net Profit | — | 1.48× |
| TTM Free Cash FlowTrailing 4 quarters | — | $637.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $196.3M | ||
| Q3 25 | $605.0M | $179.2M | ||
| Q2 25 | $526.0M | $182.7M | ||
| Q1 25 | $393.0M | $125.4M | ||
| Q4 24 | $479.0M | $185.2M | ||
| Q3 24 | $456.0M | $178.6M | ||
| Q2 24 | $477.0M | $139.0M | ||
| Q1 24 | $447.0M | $118.9M |
| Q4 25 | — | $184.3M | ||
| Q3 25 | — | $175.7M | ||
| Q2 25 | — | $163.1M | ||
| Q1 25 | — | $114.8M | ||
| Q4 24 | — | $171.3M | ||
| Q3 24 | — | $159.2M | ||
| Q2 24 | — | $102.7M | ||
| Q1 24 | — | $81.7M |
| Q4 25 | — | 31.1% | ||
| Q3 25 | — | 32.3% | ||
| Q2 25 | — | 28.5% | ||
| Q1 25 | — | 21.7% | ||
| Q4 24 | — | 31.2% | ||
| Q3 24 | — | 30.7% | ||
| Q2 24 | — | 18.6% | ||
| Q1 24 | — | 16.6% |
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | — | 3.7% | ||
| Q2 24 | — | 6.6% | ||
| Q1 24 | — | 7.6% |
| Q4 25 | — | 1.48× | ||
| Q3 25 | 3.22× | 1.30× | ||
| Q2 25 | 3.78× | 1.43× | ||
| Q1 25 | 2.85× | 1.01× | ||
| Q4 24 | — | 1.70× | ||
| Q3 24 | 228.00× | 1.46× | ||
| Q2 24 | 3.59× | 1.05× | ||
| Q1 24 | 3.34× | 0.97× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
GGG
| Industrial | $284.3M | 48% |
| Contractor | $265.5M | 45% |
| Other | $43.4M | 7% |
