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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and NEW JERSEY RESOURCES CORP (NJR). 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 $939.4M, roughly 1.0× NEW JERSEY RESOURCES CORP). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs -33.0%). Over the past eight quarters, NEW JERSEY RESOURCES CORP's revenue compounded faster (111.6% 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.
New Jersey Resources is an energy services holding company based in Wall Township, New Jersey. It is a Fortune 1000 company, and a member of the Forbes Platinum 400. New Jersey Natural Gas is its principal subsidiary.
BFH vs NJR — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $939.4M |
| Net Profit | — | $218.9M |
| Gross Margin | — | — |
| Operating Margin | 4.9% | 32.0% |
| Net Margin | — | 23.3% |
| Revenue YoY | 5.4% | -33.0% |
| Net Profit YoY | — | 7.2% |
| EPS (diluted) | $1.21 | $2.16 |
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.
| Q1 26 | — | $939.4M | ||
| Q4 25 | $975.0M | $440.9M | ||
| Q3 25 | $971.0M | $188.3M | ||
| Q2 25 | $929.0M | $234.8M | ||
| Q1 25 | $970.0M | $569.2M | ||
| Q4 24 | $925.0M | $359.0M | ||
| Q3 24 | $983.0M | $265.7M | ||
| Q2 24 | $939.0M | $209.9M |
| Q1 26 | — | $218.9M | ||
| Q4 25 | — | $122.5M | ||
| Q3 25 | $188.0M | $15.1M | ||
| Q2 25 | $139.0M | $-15.1M | ||
| Q1 25 | $138.0M | $204.3M | ||
| Q4 24 | — | $131.3M | ||
| Q3 24 | $2.0M | $91.1M | ||
| Q2 24 | $133.0M | $-11.6M |
| Q1 26 | — | 32.0% | ||
| Q4 25 | 4.9% | 40.6% | ||
| Q3 25 | 20.2% | 21.5% | ||
| Q2 25 | 18.7% | -0.5% | ||
| Q1 25 | 20.3% | 49.2% | ||
| Q4 24 | -2.9% | 52.8% | ||
| Q3 24 | 4.1% | 55.0% | ||
| Q2 24 | 19.2% | 2.8% |
| Q1 26 | — | 23.3% | ||
| Q4 25 | — | 27.8% | ||
| Q3 25 | 19.4% | 8.0% | ||
| Q2 25 | 15.0% | -6.4% | ||
| Q1 25 | 14.2% | 35.9% | ||
| Q4 24 | — | 36.6% | ||
| Q3 24 | 0.2% | 34.3% | ||
| Q2 24 | 14.2% | -5.5% |
| Q1 26 | — | $2.16 | ||
| Q4 25 | $1.21 | $1.21 | ||
| Q3 25 | $3.96 | $0.15 | ||
| Q2 25 | $2.94 | $-0.15 | ||
| Q1 25 | $2.78 | $2.02 | ||
| Q4 24 | $0.08 | $1.31 | ||
| Q3 24 | $0.05 | $0.91 | ||
| Q2 24 | $2.66 | $-0.12 |
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 | — |
| Total Assets | $22.7B | — |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $3.6B | $2.4M | ||
| Q3 25 | $3.8B | $591.0K | ||
| Q2 25 | $3.8B | $931.0K | ||
| Q1 25 | $4.2B | $83.7M | ||
| Q4 24 | $4.0B | $1.9M | ||
| Q3 24 | $3.5B | $1.0M | ||
| Q2 24 | $4.1B | $22.4M |
| Q1 26 | — | — | ||
| Q4 25 | $4.3B | $3.3B | ||
| Q3 25 | $3.8B | $3.3B | ||
| Q2 25 | $4.2B | $3.0B | ||
| Q1 25 | $5.1B | $3.0B | ||
| Q4 24 | $5.6B | $3.0B | ||
| Q3 24 | $4.6B | $2.9B | ||
| Q2 24 | — | $2.8B |
| Q1 26 | — | — | ||
| Q4 25 | $3.3B | $2.5B | ||
| Q3 25 | $3.3B | $2.4B | ||
| Q2 25 | $3.2B | $2.4B | ||
| Q1 25 | $3.1B | $2.5B | ||
| Q4 24 | $3.1B | $2.3B | ||
| Q3 24 | $3.1B | $2.2B | ||
| Q2 24 | $3.2B | $2.1B |
| Q1 26 | — | — | ||
| Q4 25 | $22.7B | $7.9B | ||
| Q3 25 | $21.7B | $7.6B | ||
| Q2 25 | $21.8B | $7.3B | ||
| Q1 25 | $22.4B | $7.3B | ||
| Q4 24 | $22.9B | $7.2B | ||
| Q3 24 | $21.7B | $7.0B | ||
| Q2 24 | $22.1B | $6.8B |
| Q1 26 | — | — | ||
| Q4 25 | 1.29× | 1.32× | ||
| Q3 25 | 1.14× | 1.36× | ||
| Q2 25 | 1.34× | 1.25× | ||
| Q1 25 | 1.67× | 1.20× | ||
| Q4 24 | 1.82× | 1.29× | ||
| Q3 24 | 1.47× | 1.31× | ||
| Q2 24 | — | 1.30× |
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 | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $568.0M | $26.7M | ||
| Q3 25 | $605.0M | $81.2M | ||
| Q2 25 | $526.0M | $-28.9M | ||
| Q1 25 | $393.0M | $423.0M | ||
| Q4 24 | $479.0M | $-9.0M | ||
| Q3 24 | $456.0M | $64.5M | ||
| Q2 24 | $477.0M | $24.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.22× | ||
| Q3 25 | 3.22× | 5.39× | ||
| Q2 25 | 3.78× | — | ||
| Q1 25 | 2.85× | 2.07× | ||
| Q4 24 | — | -0.07× | ||
| Q3 24 | 228.00× | 0.71× | ||
| Q2 24 | 3.59× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
NJR
| Utility | $640.9M | 68% |
| Nonutility | $298.5M | 32% |
