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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Microchip Technology (MCHP). Click either name above to swap in a different company.
Microchip Technology is the larger business by last-quarter revenue ($1.2B vs $975.0M, roughly 1.2× BREAD FINANCIAL HOLDINGS, INC.). On growth, Microchip Technology posted the faster year-over-year revenue change (15.6% vs 5.4%). Over the past eight quarters, BREAD FINANCIAL HOLDINGS, INC.'s revenue compounded faster (-0.8% CAGR vs -5.4%).
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.
Microchip Technology Incorporated is an American publicly traded semiconductor corporation that manufactures microcontroller, mixed-signal, analog, and Flash-IP integrated circuits.
BFH vs MCHP — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.2B |
| Net Profit | — | $62.7M |
| Gross Margin | — | 59.6% |
| Operating Margin | 4.9% | 12.8% |
| Net Margin | — | 5.3% |
| Revenue YoY | 5.4% | 15.6% |
| Net Profit YoY | — | 217.0% |
| EPS (diluted) | $1.21 | $0.06 |
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 | $1.2B | ||
| Q3 25 | $971.0M | $1.1B | ||
| Q2 25 | $929.0M | $1.1B | ||
| Q1 25 | $970.0M | $970.5M | ||
| Q4 24 | $925.0M | $1.0B | ||
| Q3 24 | $983.0M | $1.2B | ||
| Q2 24 | $939.0M | $1.2B | ||
| Q1 24 | $991.0M | $1.3B |
| Q4 25 | — | $62.7M | ||
| Q3 25 | $188.0M | $41.7M | ||
| Q2 25 | $139.0M | $-18.6M | ||
| Q1 25 | $138.0M | $-154.6M | ||
| Q4 24 | — | $-53.6M | ||
| Q3 24 | $2.0M | $78.4M | ||
| Q2 24 | $133.0M | $129.3M | ||
| Q1 24 | $134.0M | $154.7M |
| Q4 25 | — | 59.6% | ||
| Q3 25 | — | 55.9% | ||
| Q2 25 | — | 53.6% | ||
| Q1 25 | — | 51.6% | ||
| Q4 24 | — | 54.7% | ||
| Q3 24 | — | 57.4% | ||
| Q2 24 | — | 59.4% | ||
| Q1 24 | — | 59.6% |
| Q4 25 | 4.9% | 12.8% | ||
| Q3 25 | 20.2% | 7.8% | ||
| Q2 25 | 18.7% | 3.0% | ||
| Q1 25 | 20.3% | -10.3% | ||
| Q4 24 | -2.9% | 3.0% | ||
| Q3 24 | 4.1% | 12.6% | ||
| Q2 24 | 19.2% | 17.7% | ||
| Q1 24 | 19.0% | 19.1% |
| Q4 25 | — | 5.3% | ||
| Q3 25 | 19.4% | 3.7% | ||
| Q2 25 | 15.0% | -1.7% | ||
| Q1 25 | 14.2% | -15.9% | ||
| Q4 24 | — | -5.2% | ||
| Q3 24 | 0.2% | 6.7% | ||
| Q2 24 | 14.2% | 10.4% | ||
| Q1 24 | 13.5% | 11.7% |
| Q4 25 | $1.21 | $0.06 | ||
| Q3 25 | $3.96 | $0.03 | ||
| Q2 25 | $2.94 | $-0.09 | ||
| Q1 25 | $2.78 | $-0.29 | ||
| Q4 24 | $0.08 | $-0.10 | ||
| Q3 24 | $0.05 | $0.14 | ||
| Q2 24 | $2.66 | $0.24 | ||
| Q1 24 | $2.70 | $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 | $250.7M |
| Total DebtLower is stronger | $4.3B | $5.4B |
| Stockholders' EquityBook value | $3.3B | $6.6B |
| Total Assets | $22.7B | $14.3B |
| Debt / EquityLower = less leverage | 1.29× | 0.82× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $250.7M | ||
| Q3 25 | $3.8B | $236.8M | ||
| Q2 25 | $3.8B | $566.5M | ||
| Q1 25 | $4.2B | $771.7M | ||
| Q4 24 | $4.0B | $586.0M | ||
| Q3 24 | $3.5B | $286.1M | ||
| Q2 24 | $4.1B | $315.1M | ||
| Q1 24 | $3.8B | $319.7M |
| Q4 25 | $4.3B | $5.4B | ||
| Q3 25 | $3.8B | $5.4B | ||
| Q2 25 | $4.2B | $5.5B | ||
| Q1 25 | $5.1B | $5.6B | ||
| Q4 24 | $5.6B | $6.7B | ||
| Q3 24 | $4.6B | $6.4B | ||
| Q2 24 | — | $6.2B | ||
| Q1 24 | — | $6.0B |
| Q4 25 | $3.3B | $6.6B | ||
| Q3 25 | $3.3B | $6.7B | ||
| Q2 25 | $3.2B | $6.9B | ||
| Q1 25 | $3.1B | $7.1B | ||
| Q4 24 | $3.1B | $6.0B | ||
| Q3 24 | $3.1B | $6.3B | ||
| Q2 24 | $3.2B | $6.4B | ||
| Q1 24 | $3.0B | $6.7B |
| Q4 25 | $22.7B | $14.3B | ||
| Q3 25 | $21.7B | $14.5B | ||
| Q2 25 | $21.8B | $15.0B | ||
| Q1 25 | $22.4B | $15.4B | ||
| Q4 24 | $22.9B | $15.6B | ||
| Q3 24 | $21.7B | $15.6B | ||
| Q2 24 | $22.1B | $15.8B | ||
| Q1 24 | $22.3B | $15.9B |
| Q4 25 | 1.29× | 0.82× | ||
| Q3 25 | 1.14× | 0.80× | ||
| Q2 25 | 1.34× | 0.80× | ||
| Q1 25 | 1.67× | 0.80× | ||
| Q4 24 | 1.82× | 1.12× | ||
| Q3 24 | 1.47× | 1.02× | ||
| Q2 24 | — | 0.96× | ||
| Q1 24 | — | 0.90× |
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 | $341.4M |
| Free Cash FlowOCF − Capex | — | $318.9M |
| FCF MarginFCF / Revenue | — | 26.9% |
| Capex IntensityCapex / Revenue | — | 1.9% |
| Cash ConversionOCF / Net Profit | — | 5.44× |
| TTM Free Cash FlowTrailing 4 quarters | — | $819.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $341.4M | ||
| Q3 25 | $605.0M | $88.1M | ||
| Q2 25 | $526.0M | $275.6M | ||
| Q1 25 | $393.0M | $205.9M | ||
| Q4 24 | $479.0M | $271.5M | ||
| Q3 24 | $456.0M | $43.6M | ||
| Q2 24 | $477.0M | $377.1M | ||
| Q1 24 | $447.0M | $430.0M |
| Q4 25 | — | $318.9M | ||
| Q3 25 | — | $51.6M | ||
| Q2 25 | — | $257.7M | ||
| Q1 25 | — | $191.7M | ||
| Q4 24 | — | $253.4M | ||
| Q3 24 | — | $22.8M | ||
| Q2 24 | — | $304.2M | ||
| Q1 24 | — | $389.9M |
| Q4 25 | — | 26.9% | ||
| Q3 25 | — | 4.5% | ||
| Q2 25 | — | 24.0% | ||
| Q1 25 | — | 19.8% | ||
| Q4 24 | — | 24.7% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 24.5% | ||
| Q1 24 | — | 29.4% |
| Q4 25 | — | 1.9% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 5.9% | ||
| Q1 24 | — | 3.0% |
| Q4 25 | — | 5.44× | ||
| Q3 25 | 3.22× | 2.11× | ||
| Q2 25 | 3.78× | — | ||
| Q1 25 | 2.85× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 228.00× | 0.56× | ||
| Q2 24 | 3.59× | 2.92× | ||
| Q1 24 | 3.34× | 2.78× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
MCHP
| Mixed Signal Microcontrollers | $586.5M | 49% |
| Analog | $322.9M | 27% |
| Other Product Line | $276.6M | 23% |
