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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and LCI INDUSTRIES (LCII). 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 $932.7M, roughly 1.0× LCI INDUSTRIES). On growth, LCI INDUSTRIES posted the faster year-over-year revenue change (16.1% vs 5.4%). 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.
Lucky Core Industries Limited, formerly known as ICI Pakistan, is a Pakistani conglomerate company headquartered in Karachi. It manufactures polyester, pharmaceutical, agrochemical, soda ash, and veterinary medicine.
BFH vs LCII — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $932.7M |
| Net Profit | — | $18.7M |
| Gross Margin | — | 22.1% |
| Operating Margin | 4.9% | 3.8% |
| Net Margin | — | 2.0% |
| Revenue YoY | 5.4% | 16.1% |
| Net Profit YoY | — | 95.7% |
| EPS (diluted) | $1.21 | $0.79 |
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 | $932.7M | ||
| Q3 25 | $971.0M | $1.0B | ||
| Q2 25 | $929.0M | $1.1B | ||
| Q1 25 | $970.0M | $1.0B | ||
| Q4 24 | $925.0M | $803.1M | ||
| Q3 24 | $983.0M | $915.5M | ||
| Q2 24 | $939.0M | $1.1B | ||
| Q1 24 | $991.0M | $968.0M |
| Q4 25 | — | $18.7M | ||
| Q3 25 | $188.0M | $62.5M | ||
| Q2 25 | $139.0M | $57.6M | ||
| Q1 25 | $138.0M | $49.4M | ||
| Q4 24 | — | $9.5M | ||
| Q3 24 | $2.0M | $35.6M | ||
| Q2 24 | $133.0M | $61.2M | ||
| Q1 24 | $134.0M | $36.5M |
| Q4 25 | — | 22.1% | ||
| Q3 25 | — | 24.4% | ||
| Q2 25 | — | 24.4% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 21.1% | ||
| Q3 24 | — | 24.0% | ||
| Q2 24 | — | 25.3% | ||
| Q1 24 | — | 23.1% |
| Q4 25 | 4.9% | 3.8% | ||
| Q3 25 | 20.2% | 7.3% | ||
| Q2 25 | 18.7% | 7.9% | ||
| Q1 25 | 20.3% | 7.8% | ||
| Q4 24 | -2.9% | 2.0% | ||
| Q3 24 | 4.1% | 5.9% | ||
| Q2 24 | 19.2% | 8.6% | ||
| Q1 24 | 19.0% | 6.0% |
| Q4 25 | — | 2.0% | ||
| Q3 25 | 19.4% | 6.0% | ||
| Q2 25 | 15.0% | 5.2% | ||
| Q1 25 | 14.2% | 4.7% | ||
| Q4 24 | — | 1.2% | ||
| Q3 24 | 0.2% | 3.9% | ||
| Q2 24 | 14.2% | 5.8% | ||
| Q1 24 | 13.5% | 3.8% |
| Q4 25 | $1.21 | $0.79 | ||
| Q3 25 | $3.96 | $2.55 | ||
| Q2 25 | $2.94 | $2.29 | ||
| Q1 25 | $2.78 | $1.94 | ||
| Q4 24 | $0.08 | $0.37 | ||
| Q3 24 | $0.05 | $1.39 | ||
| Q2 24 | $2.66 | $2.40 | ||
| Q1 24 | $2.70 | $1.44 |
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 | $222.6M |
| Total DebtLower is stronger | $4.3B | $945.2M |
| Stockholders' EquityBook value | $3.3B | $1.4B |
| Total Assets | $22.7B | $3.2B |
| Debt / EquityLower = less leverage | 1.29× | 0.69× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $222.6M | ||
| Q3 25 | $3.8B | $199.7M | ||
| Q2 25 | $3.8B | $191.9M | ||
| Q1 25 | $4.2B | $231.2M | ||
| Q4 24 | $4.0B | $165.8M | ||
| Q3 24 | $3.5B | $161.2M | ||
| Q2 24 | $4.1B | $130.4M | ||
| Q1 24 | $3.8B | $22.6M |
| Q4 25 | $4.3B | $945.2M | ||
| Q3 25 | $3.8B | $947.8M | ||
| Q2 25 | $4.2B | $948.0M | ||
| Q1 25 | $5.1B | $938.3M | ||
| Q4 24 | $5.6B | $757.3M | ||
| Q3 24 | $4.6B | $822.5M | ||
| Q2 24 | — | $829.7M | ||
| Q1 24 | — | $855.3M |
| Q4 25 | $3.3B | $1.4B | ||
| Q3 25 | $3.3B | $1.4B | ||
| Q2 25 | $3.2B | $1.4B | ||
| Q1 25 | $3.1B | $1.4B | ||
| Q4 24 | $3.1B | $1.4B | ||
| Q3 24 | $3.1B | $1.4B | ||
| Q2 24 | $3.2B | $1.4B | ||
| Q1 24 | $3.0B | $1.4B |
| Q4 25 | $22.7B | $3.2B | ||
| Q3 25 | $21.7B | $3.2B | ||
| Q2 25 | $21.8B | $3.2B | ||
| Q1 25 | $22.4B | $3.1B | ||
| Q4 24 | $22.9B | $2.9B | ||
| Q3 24 | $21.7B | $3.0B | ||
| Q2 24 | $22.1B | $3.0B | ||
| Q1 24 | $22.3B | $3.0B |
| Q4 25 | 1.29× | 0.69× | ||
| Q3 25 | 1.14× | 0.70× | ||
| Q2 25 | 1.34× | 0.68× | ||
| Q1 25 | 1.67× | 0.69× | ||
| Q4 24 | 1.82× | 0.55× | ||
| Q3 24 | 1.47× | 0.58× | ||
| Q2 24 | — | 0.60× | ||
| Q1 24 | — | 0.63× |
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 | $78.9M |
| Free Cash FlowOCF − Capex | — | $64.3M |
| FCF MarginFCF / Revenue | — | 6.9% |
| Capex IntensityCapex / Revenue | — | 1.6% |
| Cash ConversionOCF / Net Profit | — | 4.22× |
| TTM Free Cash FlowTrailing 4 quarters | — | $278.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $78.9M | ||
| Q3 25 | $605.0M | $97.2M | ||
| Q2 25 | $526.0M | $112.2M | ||
| Q1 25 | $393.0M | $42.7M | ||
| Q4 24 | $479.0M | $106.6M | ||
| Q3 24 | $456.0M | $78.4M | ||
| Q2 24 | $477.0M | $192.9M | ||
| Q1 24 | $447.0M | $-7.7M |
| Q4 25 | — | $64.3M | ||
| Q3 25 | — | $80.9M | ||
| Q2 25 | — | $99.5M | ||
| Q1 25 | — | $33.7M | ||
| Q4 24 | — | $95.7M | ||
| Q3 24 | — | $68.3M | ||
| Q2 24 | — | $180.2M | ||
| Q1 24 | — | $-16.3M |
| Q4 25 | — | 6.9% | ||
| Q3 25 | — | 7.8% | ||
| Q2 25 | — | 9.0% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | — | 7.5% | ||
| Q2 24 | — | 17.1% | ||
| Q1 24 | — | -1.7% |
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 0.9% |
| Q4 25 | — | 4.22× | ||
| Q3 25 | 3.22× | 1.55× | ||
| Q2 25 | 3.78× | 1.95× | ||
| Q1 25 | 2.85× | 0.86× | ||
| Q4 24 | — | 11.17× | ||
| Q3 24 | 228.00× | 2.20× | ||
| Q2 24 | 3.59× | 3.15× | ||
| 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.
LCII
| Travel Trailer And Fifth Wheels | $378.4M | 41% |
| Chassis Chassis Partsand Slideout Mechanisms | $206.1M | 22% |
| Furnitureand Mattresses | $120.4M | 13% |
| Appliances | $69.9M | 7% |
| Other Products | $69.1M | 7% |
| Axlesand Suspension Solutions | $62.3M | 7% |
| Motorhomes | $34.2M | 4% |
