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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and MODINE MANUFACTURING CO (MOD). 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 $805.0M, roughly 1.2× MODINE MANUFACTURING CO). On growth, MODINE MANUFACTURING CO posted the faster year-over-year revenue change (30.5% vs 5.4%). Over the past eight quarters, MODINE MANUFACTURING CO's revenue compounded faster (15.5% 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.
Modine Manufacturing is a thermal management company established in 1916 in the United States. The company started as Modine Manufacturing Company by Arthur B Modine who patented the Spirex radiator for tractors. The Modine company manufactured the Turbotube radiator for Ford Model T cars. The company built the world's first vehicular wind tunnel in Racine, Wisconsin in 1941. During WWII, Modine manufactured aftercoolers for the P-51 Mustang fighter plane. After WWII, Modine introduced the Ai...
BFH vs MOD — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $805.0M |
| Net Profit | — | $-47.4M |
| Gross Margin | — | 23.1% |
| Operating Margin | 4.9% | 11.1% |
| Net Margin | — | -5.9% |
| Revenue YoY | 5.4% | 30.5% |
| Net Profit YoY | — | -215.6% |
| EPS (diluted) | $1.21 | $-0.90 |
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 | $805.0M | ||
| Q3 25 | $971.0M | $738.9M | ||
| Q2 25 | $929.0M | $682.8M | ||
| Q1 25 | $970.0M | $647.2M | ||
| Q4 24 | $925.0M | $616.8M | ||
| Q3 24 | $983.0M | $658.0M | ||
| Q2 24 | $939.0M | $661.5M | ||
| Q1 24 | $991.0M | $603.5M |
| Q4 25 | — | $-47.4M | ||
| Q3 25 | $188.0M | $44.4M | ||
| Q2 25 | $139.0M | $51.2M | ||
| Q1 25 | $138.0M | $49.6M | ||
| Q4 24 | — | $41.0M | ||
| Q3 24 | $2.0M | $46.1M | ||
| Q2 24 | $133.0M | $47.3M | ||
| Q1 24 | $134.0M | $25.8M |
| Q4 25 | — | 23.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 24.2% | ||
| Q1 25 | — | 25.6% | ||
| Q4 24 | — | 24.3% | ||
| Q3 24 | — | 25.2% | ||
| Q2 24 | — | 24.6% | ||
| Q1 24 | — | 22.4% |
| Q4 25 | 4.9% | 11.1% | ||
| Q3 25 | 20.2% | 9.9% | ||
| Q2 25 | 18.7% | 11.1% | ||
| Q1 25 | 20.3% | 11.5% | ||
| Q4 24 | -2.9% | 9.6% | ||
| Q3 24 | 4.1% | 11.4% | ||
| Q2 24 | 19.2% | 11.2% | ||
| Q1 24 | 19.0% | 7.8% |
| Q4 25 | — | -5.9% | ||
| Q3 25 | 19.4% | 6.0% | ||
| Q2 25 | 15.0% | 7.5% | ||
| Q1 25 | 14.2% | 7.7% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 0.2% | 7.0% | ||
| Q2 24 | 14.2% | 7.2% | ||
| Q1 24 | 13.5% | 4.3% |
| Q4 25 | $1.21 | $-0.90 | ||
| Q3 25 | $3.96 | $0.83 | ||
| Q2 25 | $2.94 | $0.95 | ||
| Q1 25 | $2.78 | $0.92 | ||
| Q4 24 | $0.08 | $0.76 | ||
| Q3 24 | $0.05 | $0.86 | ||
| Q2 24 | $2.66 | $0.88 | ||
| Q1 24 | $2.70 | $0.48 |
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 | $98.7M |
| Total DebtLower is stronger | $4.3B | $570.7M |
| Stockholders' EquityBook value | $3.3B | $1.1B |
| Total Assets | $22.7B | $2.5B |
| Debt / EquityLower = less leverage | 1.29× | 0.51× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $98.7M | ||
| Q3 25 | $3.8B | $83.8M | ||
| Q2 25 | $3.8B | $124.5M | ||
| Q1 25 | $4.2B | $71.6M | ||
| Q4 24 | $4.0B | $83.8M | ||
| Q3 24 | $3.5B | $78.6M | ||
| Q2 24 | $4.1B | $72.9M | ||
| Q1 24 | $3.8B | $60.1M |
| Q4 25 | $4.3B | $570.7M | ||
| Q3 25 | $3.8B | $525.8M | ||
| Q2 25 | $4.2B | $482.1M | ||
| Q1 25 | $5.1B | $296.7M | ||
| Q4 24 | $5.6B | $330.0M | ||
| Q3 24 | $4.6B | $359.1M | ||
| Q2 24 | — | $405.7M | ||
| Q1 24 | — | $399.9M |
| Q4 25 | $3.3B | $1.1B | ||
| Q3 25 | $3.3B | $1.1B | ||
| Q2 25 | $3.2B | $1.0B | ||
| Q1 25 | $3.1B | $910.2M | ||
| Q4 24 | $3.1B | $855.1M | ||
| Q3 24 | $3.1B | $858.8M | ||
| Q2 24 | $3.2B | $788.4M | ||
| Q1 24 | $3.0B | $747.6M |
| Q4 25 | $22.7B | $2.5B | ||
| Q3 25 | $21.7B | $2.4B | ||
| Q2 25 | $21.8B | $2.2B | ||
| Q1 25 | $22.4B | $1.9B | ||
| Q4 24 | $22.9B | $1.8B | ||
| Q3 24 | $21.7B | $1.9B | ||
| Q2 24 | $22.1B | $1.9B | ||
| Q1 24 | $22.3B | $1.9B |
| Q4 25 | 1.29× | 0.51× | ||
| Q3 25 | 1.14× | 0.50× | ||
| Q2 25 | 1.34× | 0.48× | ||
| Q1 25 | 1.67× | 0.33× | ||
| Q4 24 | 1.82× | 0.39× | ||
| Q3 24 | 1.47× | 0.42× | ||
| Q2 24 | — | 0.51× | ||
| Q1 24 | — | 0.53× |
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 | $24.7M |
| Free Cash FlowOCF − Capex | — | $-17.1M |
| FCF MarginFCF / Revenue | — | -2.1% |
| Capex IntensityCapex / Revenue | — | 5.2% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-20.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $24.7M | ||
| Q3 25 | $605.0M | $1.4M | ||
| Q2 25 | $526.0M | $27.7M | ||
| Q1 25 | $393.0M | $54.8M | ||
| Q4 24 | $479.0M | $60.7M | ||
| Q3 24 | $456.0M | $57.3M | ||
| Q2 24 | $477.0M | $40.5M | ||
| Q1 24 | $447.0M | $39.6M |
| Q4 25 | — | $-17.1M | ||
| Q3 25 | — | $-30.5M | ||
| Q2 25 | — | $200.0K | ||
| Q1 25 | — | $27.1M | ||
| Q4 24 | — | $44.7M | ||
| Q3 24 | — | $43.8M | ||
| Q2 24 | — | $13.7M | ||
| Q1 24 | — | $-4.3M |
| Q4 25 | — | -2.1% | ||
| Q3 25 | — | -4.1% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 7.2% | ||
| Q3 24 | — | 6.7% | ||
| Q2 24 | — | 2.1% | ||
| Q1 24 | — | -0.7% |
| Q4 25 | — | 5.2% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | 4.0% | ||
| Q1 25 | — | 4.3% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 4.1% | ||
| Q1 24 | — | 7.3% |
| Q4 25 | — | — | ||
| Q3 25 | 3.22× | 0.03× | ||
| Q2 25 | 3.78× | 0.54× | ||
| Q1 25 | 2.85× | 1.10× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | 228.00× | 1.24× | ||
| Q2 24 | 3.59× | 0.86× | ||
| Q1 24 | 3.34× | 1.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
MOD
| Data Centers | $296.9M | 37% |
| Performance Technologies | $266.0M | 33% |
| Hvac Technologies | $107.1M | 13% |
| Air Cooled | $92.4M | 11% |
| Lb White | $25.6M | 3% |
| Climate By Design | $10.2M | 1% |
| Absolutaire | $7.0M | 1% |
