vs
Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Nextpower Inc. (NXT). 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 $909.4M, roughly 1.1× Nextpower Inc.). On growth, Nextpower Inc. posted the faster year-over-year revenue change (33.9% vs 5.4%). Over the past eight quarters, Nextpower Inc.'s revenue compounded faster (11.1% 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.
Nextpower Inc. (NXT) is a global energy technology provider based in Fremont, California.
BFH vs NXT — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $909.4M |
| Net Profit | — | $131.2M |
| Gross Margin | — | 31.7% |
| Operating Margin | 4.9% | 19.4% |
| Net Margin | — | 14.4% |
| Revenue YoY | 5.4% | 33.9% |
| Net Profit YoY | — | 13.8% |
| EPS (diluted) | $1.21 | $0.85 |
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 | $909.4M | ||
| Q3 25 | $971.0M | $905.3M | ||
| Q2 25 | $929.0M | $864.3M | ||
| Q1 25 | $970.0M | $924.3M | ||
| Q4 24 | $925.0M | $679.4M | ||
| Q3 24 | $983.0M | $635.6M | ||
| Q2 24 | $939.0M | $719.9M | ||
| Q1 24 | $991.0M | $736.5M |
| Q4 25 | — | $131.2M | ||
| Q3 25 | $188.0M | $146.9M | ||
| Q2 25 | $139.0M | $157.2M | ||
| Q1 25 | $138.0M | $156.8M | ||
| Q4 24 | — | $115.3M | ||
| Q3 24 | $2.0M | $115.4M | ||
| Q2 24 | $133.0M | $121.7M | ||
| Q1 24 | $134.0M | $205.2M |
| Q4 25 | — | 31.7% | ||
| Q3 25 | — | 32.4% | ||
| Q2 25 | — | 32.6% | ||
| Q1 25 | — | 33.1% | ||
| Q4 24 | — | 35.5% | ||
| Q3 24 | — | 35.4% | ||
| Q2 24 | — | 33.0% | ||
| Q1 24 | — | 46.2% |
| Q4 25 | 4.9% | 19.4% | ||
| Q3 25 | 20.2% | 20.0% | ||
| Q2 25 | 18.7% | 21.5% | ||
| Q1 25 | 20.3% | 21.1% | ||
| Q4 24 | -2.9% | 22.1% | ||
| Q3 24 | 4.1% | 21.0% | ||
| Q2 24 | 19.2% | 22.2% | ||
| Q1 24 | 19.0% | 36.8% |
| Q4 25 | — | 14.4% | ||
| Q3 25 | 19.4% | 16.2% | ||
| Q2 25 | 15.0% | 18.2% | ||
| Q1 25 | 14.2% | 17.0% | ||
| Q4 24 | — | 17.0% | ||
| Q3 24 | 0.2% | 18.2% | ||
| Q2 24 | 14.2% | 16.9% | ||
| Q1 24 | 13.5% | 27.9% |
| Q4 25 | $1.21 | $0.85 | ||
| Q3 25 | $3.96 | $0.97 | ||
| Q2 25 | $2.94 | $1.04 | ||
| Q1 25 | $2.78 | $1.05 | ||
| Q4 24 | $0.08 | $0.79 | ||
| Q3 24 | $0.05 | $0.79 | ||
| Q2 24 | $2.66 | $0.84 | ||
| Q1 24 | $2.70 | $1.52 |
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 | $952.6M |
| Total DebtLower is stronger | $4.3B | — |
| Stockholders' EquityBook value | $3.3B | $2.2B |
| Total Assets | $22.7B | $3.8B |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $952.6M | ||
| Q3 25 | $3.8B | $845.3M | ||
| Q2 25 | $3.8B | $743.4M | ||
| Q1 25 | $4.2B | $766.1M | ||
| Q4 24 | $4.0B | $693.5M | ||
| Q3 24 | $3.5B | $561.9M | ||
| Q2 24 | $4.1B | $471.9M | ||
| Q1 24 | $3.8B | $474.1M |
| 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 | $2.2B | ||
| Q3 25 | $3.3B | $2.0B | ||
| Q2 25 | $3.2B | $1.8B | ||
| Q1 25 | $3.1B | $1.6B | ||
| Q4 24 | $3.1B | $1.4B | ||
| Q3 24 | $3.1B | $1.3B | ||
| Q2 24 | $3.2B | $1.1B | ||
| Q1 24 | $3.0B | $961.0M |
| Q4 25 | $22.7B | $3.8B | ||
| Q3 25 | $21.7B | $3.7B | ||
| Q2 25 | $21.8B | $3.4B | ||
| Q1 25 | $22.4B | $3.2B | ||
| Q4 24 | $22.9B | $3.0B | ||
| Q3 24 | $21.7B | $2.8B | ||
| Q2 24 | $22.1B | $2.6B | ||
| Q1 24 | $22.3B | $2.5B |
| 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 | $123.3M |
| Free Cash FlowOCF − Capex | — | $118.5M |
| FCF MarginFCF / Revenue | — | 13.0% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | — | 0.94× |
| TTM Free Cash FlowTrailing 4 quarters | — | $587.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $123.3M | ||
| Q3 25 | $605.0M | $186.9M | ||
| Q2 25 | $526.0M | $81.3M | ||
| Q1 25 | $393.0M | $237.3M | ||
| Q4 24 | $479.0M | $143.8M | ||
| Q3 24 | $456.0M | $153.8M | ||
| Q2 24 | $477.0M | $120.8M | ||
| Q1 24 | $447.0M | $111.5M |
| Q4 25 | — | $118.5M | ||
| Q3 25 | — | $171.4M | ||
| Q2 25 | — | $70.1M | ||
| Q1 25 | — | $227.2M | ||
| Q4 24 | — | $134.9M | ||
| Q3 24 | — | $141.8M | ||
| Q2 24 | — | $118.0M | ||
| Q1 24 | — | $109.2M |
| Q4 25 | — | 13.0% | ||
| Q3 25 | — | 18.9% | ||
| Q2 25 | — | 8.1% | ||
| Q1 25 | — | 24.6% | ||
| Q4 24 | — | 19.9% | ||
| Q3 24 | — | 22.3% | ||
| Q2 24 | — | 16.4% | ||
| Q1 24 | — | 14.8% |
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 1.3% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | — | 0.94× | ||
| Q3 25 | 3.22× | 1.27× | ||
| Q2 25 | 3.78× | 0.52× | ||
| Q1 25 | 2.85× | 1.51× | ||
| Q4 24 | — | 1.25× | ||
| Q3 24 | 228.00× | 1.33× | ||
| Q2 24 | 3.59× | 0.99× | ||
| Q1 24 | 3.34× | 0.54× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
NXT
| Transferred Over Time | $763.9M | 84% |
| Transferred At Point In Time | $145.4M | 16% |
