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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and KB HOME (KBH). Click either name above to swap in a different company.
KB HOME is the larger business by last-quarter revenue ($1.7B vs $975.0M, roughly 1.7× BREAD FINANCIAL HOLDINGS, INC.). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs -15.3%). Over the past eight quarters, KB HOME's revenue compounded faster (7.4% 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.
KB Home is an American homebuilding company founded in 1957 as Kaufman & Broad in Detroit, Michigan. It was the first company to be traded on the New York Stock Exchange as a home builder. Its headquarters are in Los Angeles, California.
BFH vs KBH — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.7B |
| Net Profit | — | $101.5M |
| Gross Margin | — | — |
| Operating Margin | 4.9% | — |
| Net Margin | — | 6.0% |
| Revenue YoY | 5.4% | -15.3% |
| Net Profit YoY | — | -46.7% |
| EPS (diluted) | $1.21 | $1.55 |
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 | $1.7B | ||
| Q3 25 | $971.0M | $1.6B | ||
| Q2 25 | $929.0M | $1.5B | ||
| Q1 25 | $970.0M | $1.4B | ||
| Q4 24 | $925.0M | $2.0B | ||
| Q3 24 | $983.0M | $1.8B | ||
| Q2 24 | $939.0M | $1.7B | ||
| Q1 24 | $991.0M | $1.5B |
| Q4 25 | — | $101.5M | ||
| Q3 25 | $188.0M | $109.8M | ||
| Q2 25 | $139.0M | $107.9M | ||
| Q1 25 | $138.0M | $109.6M | ||
| Q4 24 | — | $190.6M | ||
| Q3 24 | $2.0M | $157.3M | ||
| Q2 24 | $133.0M | $168.4M | ||
| Q1 24 | $134.0M | $138.7M |
| Q4 25 | 4.9% | — | ||
| Q3 25 | 20.2% | — | ||
| Q2 25 | 18.7% | — | ||
| Q1 25 | 20.3% | — | ||
| Q4 24 | -2.9% | — | ||
| Q3 24 | 4.1% | — | ||
| Q2 24 | 19.2% | — | ||
| Q1 24 | 19.0% | — |
| Q4 25 | — | 6.0% | ||
| Q3 25 | 19.4% | 6.8% | ||
| Q2 25 | 15.0% | 7.1% | ||
| Q1 25 | 14.2% | 7.9% | ||
| Q4 24 | — | 9.5% | ||
| Q3 24 | 0.2% | 9.0% | ||
| Q2 24 | 14.2% | 9.9% | ||
| Q1 24 | 13.5% | 9.4% |
| Q4 25 | $1.21 | $1.55 | ||
| Q3 25 | $3.96 | $1.61 | ||
| Q2 25 | $2.94 | $1.50 | ||
| Q1 25 | $2.78 | $1.49 | ||
| Q4 24 | $0.08 | $2.50 | ||
| Q3 24 | $0.05 | $2.04 | ||
| Q2 24 | $2.66 | $2.15 | ||
| Q1 24 | $2.70 | $1.76 |
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 | — |
| Stockholders' EquityBook value | $3.3B | $3.9B |
| Total Assets | $22.7B | $6.7B |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | — | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $3.8B | — | ||
| Q1 25 | $4.2B | — | ||
| Q4 24 | $4.0B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $4.1B | — | ||
| Q1 24 | $3.8B | — |
| 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 | $3.9B | ||
| Q3 25 | $3.3B | $3.9B | ||
| Q2 25 | $3.2B | $4.0B | ||
| Q1 25 | $3.1B | $4.1B | ||
| Q4 24 | $3.1B | $4.1B | ||
| Q3 24 | $3.1B | $4.0B | ||
| Q2 24 | $3.2B | $4.0B | ||
| Q1 24 | $3.0B | $3.9B |
| Q4 25 | $22.7B | $6.7B | ||
| Q3 25 | $21.7B | $7.0B | ||
| Q2 25 | $21.8B | $7.0B | ||
| Q1 25 | $22.4B | $7.0B | ||
| Q4 24 | $22.9B | $6.9B | ||
| Q3 24 | $21.7B | $6.8B | ||
| Q2 24 | $22.1B | $6.8B | ||
| Q1 24 | $22.3B | $6.7B |
| 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 | $303.8M |
| Free Cash FlowOCF − Capex | — | $290.1M |
| FCF MarginFCF / Revenue | — | 17.1% |
| Capex IntensityCapex / Revenue | — | 0.8% |
| Cash ConversionOCF / Net Profit | — | 2.99× |
| TTM Free Cash FlowTrailing 4 quarters | — | $287.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $303.8M | ||
| Q3 25 | $605.0M | $197.7M | ||
| Q2 25 | $526.0M | $168.4M | ||
| Q1 25 | $393.0M | $-334.3M | ||
| Q4 24 | $479.0M | $362.6M | ||
| Q3 24 | $456.0M | $-89.9M | ||
| Q2 24 | $477.0M | $61.5M | ||
| Q1 24 | $447.0M | $28.5M |
| Q4 25 | — | $290.1M | ||
| Q3 25 | — | $185.8M | ||
| Q2 25 | — | $156.9M | ||
| Q1 25 | — | $-345.5M | ||
| Q4 24 | — | $352.6M | ||
| Q3 24 | — | $-99.4M | ||
| Q2 24 | — | $51.2M | ||
| Q1 24 | — | $19.1M |
| Q4 25 | — | 17.1% | ||
| Q3 25 | — | 11.5% | ||
| Q2 25 | — | 10.3% | ||
| Q1 25 | — | -24.8% | ||
| Q4 24 | — | 17.6% | ||
| Q3 24 | — | -5.7% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 1.3% |
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | — | 2.99× | ||
| Q3 25 | 3.22× | 1.80× | ||
| Q2 25 | 3.78× | 1.56× | ||
| Q1 25 | 2.85× | -3.05× | ||
| Q4 24 | — | 1.90× | ||
| Q3 24 | 228.00× | -0.57× | ||
| Q2 24 | 3.59× | 0.37× | ||
| Q1 24 | 3.34× | 0.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
KBH
| Home Building | $1.7B | 99% |
| Financial Service | $8.7M | 1% |
