vs

Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Permian Resources Corp (PR). Click either name above to swap in a different company.

Permian Resources Corp is the larger business by last-quarter revenue ($1.2B vs $975.0M, roughly 1.2× BREAD FINANCIAL HOLDINGS, INC.). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs -9.8%). Over the past eight quarters, BREAD FINANCIAL HOLDINGS, INC.'s revenue compounded faster (-0.8% CAGR vs -3.0%).

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.

Pioneer Natural Resources Company, headquartered in Irving, Texas, was a company engaged in hydrocarbon exploration. It operated in the Cline Shale, which is part of the Spraberry Trend of the Permian Basin, where the company was the largest acreage holder. In May 2024, the company was acquired by ExxonMobil.

BFH vs PR — Head-to-Head

Bigger by revenue
PR
PR
1.2× larger
PR
$1.2B
$975.0M
BFH
Growing faster (revenue YoY)
BFH
BFH
+15.2% gap
BFH
5.4%
-9.8%
PR
Faster 2-yr revenue CAGR
BFH
BFH
Annualised
BFH
-0.8%
-3.0%
PR

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
BFH
BFH
PR
PR
Revenue
$975.0M
$1.2B
Net Profit
$339.5M
Gross Margin
Operating Margin
4.9%
23.1%
Net Margin
29.0%
Revenue YoY
5.4%
-9.8%
Net Profit YoY
56.7%
EPS (diluted)
$1.21
$0.48

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.

Revenue
BFH
BFH
PR
PR
Q4 25
$975.0M
$1.2B
Q3 25
$971.0M
$1.3B
Q2 25
$929.0M
$1.2B
Q1 25
$970.0M
$1.4B
Q4 24
$925.0M
$1.3B
Q3 24
$983.0M
$1.2B
Q2 24
$939.0M
$1.2B
Q1 24
$991.0M
$1.2B
Net Profit
BFH
BFH
PR
PR
Q4 25
$339.5M
Q3 25
$188.0M
$59.2M
Q2 25
$139.0M
$207.1M
Q1 25
$138.0M
$329.3M
Q4 24
$216.7M
Q3 24
$2.0M
$386.4M
Q2 24
$133.0M
$235.1M
Q1 24
$134.0M
$146.6M
Operating Margin
BFH
BFH
PR
PR
Q4 25
4.9%
23.1%
Q3 25
20.2%
29.6%
Q2 25
18.7%
24.8%
Q1 25
20.3%
36.6%
Q4 24
-2.9%
32.8%
Q3 24
4.1%
32.5%
Q2 24
19.2%
36.5%
Q1 24
19.0%
37.7%
Net Margin
BFH
BFH
PR
PR
Q4 25
29.0%
Q3 25
19.4%
4.5%
Q2 25
15.0%
17.3%
Q1 25
14.2%
23.9%
Q4 24
16.7%
Q3 24
0.2%
31.8%
Q2 24
14.2%
18.9%
Q1 24
13.5%
11.8%
EPS (diluted)
BFH
BFH
PR
PR
Q4 25
$1.21
$0.48
Q3 25
$3.96
$0.08
Q2 25
$2.94
$0.28
Q1 25
$2.78
$0.44
Q4 24
$0.08
$0.31
Q3 24
$0.05
$0.53
Q2 24
$2.66
$0.36
Q1 24
$2.70
$0.25

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
BFH
BFH
PR
PR
Cash + ST InvestmentsLiquidity on hand
$3.6B
$153.7M
Total DebtLower is stronger
$4.3B
$3.5B
Stockholders' EquityBook value
$3.3B
$10.3B
Total Assets
$22.7B
$17.9B
Debt / EquityLower = less leverage
1.29×
0.34×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
BFH
BFH
PR
PR
Q4 25
$3.6B
$153.7M
Q3 25
$3.8B
$111.8M
Q2 25
$3.8B
$451.0M
Q1 25
$4.2B
$702.2M
Q4 24
$4.0B
$479.3M
Q3 24
$3.5B
$272.0M
Q2 24
$4.1B
$47.8M
Q1 24
$3.8B
$12.7M
Total Debt
BFH
BFH
PR
PR
Q4 25
$4.3B
$3.5B
Q3 25
$3.8B
$3.5B
Q2 25
$4.2B
$4.0B
Q1 25
$5.1B
$4.0B
Q4 24
$5.6B
$4.2B
Q3 24
$4.6B
$4.2B
Q2 24
$3.9B
Q1 24
$3.9B
Stockholders' Equity
BFH
BFH
PR
PR
Q4 25
$3.3B
$10.3B
Q3 25
$3.3B
$10.0B
Q2 25
$3.2B
$9.5B
Q1 25
$3.1B
$9.4B
Q4 24
$3.1B
$9.1B
Q3 24
$3.1B
$9.0B
Q2 24
$3.2B
$8.3B
Q1 24
$3.0B
$7.0B
Total Assets
BFH
BFH
PR
PR
Q4 25
$22.7B
$17.9B
Q3 25
$21.7B
$17.3B
Q2 25
$21.8B
$17.5B
Q1 25
$22.4B
$17.1B
Q4 24
$22.9B
$16.9B
Q3 24
$21.7B
$16.6B
Q2 24
$22.1B
$15.4B
Q1 24
$22.3B
$15.1B
Debt / Equity
BFH
BFH
PR
PR
Q4 25
1.29×
0.34×
Q3 25
1.14×
0.35×
Q2 25
1.34×
0.42×
Q1 25
1.67×
0.43×
Q4 24
1.82×
0.46×
Q3 24
1.47×
0.47×
Q2 24
0.46×
Q1 24
0.56×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
BFH
BFH
PR
PR
Operating Cash FlowLast quarter
$568.0M
$904.3M
Free Cash FlowOCF − Capex
FCF MarginFCF / Revenue
Capex IntensityCapex / Revenue
Cash ConversionOCF / Net Profit
2.66×
TTM Free Cash FlowTrailing 4 quarters

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
BFH
BFH
PR
PR
Q4 25
$568.0M
$904.3M
Q3 25
$605.0M
$766.5M
Q2 25
$526.0M
$1.0B
Q1 25
$393.0M
$898.0M
Q4 24
$479.0M
$871.6M
Q3 24
$456.0M
$954.4M
Q2 24
$477.0M
$938.4M
Q1 24
$447.0M
$647.6M
Cash Conversion
BFH
BFH
PR
PR
Q4 25
2.66×
Q3 25
3.22×
12.94×
Q2 25
3.78×
5.01×
Q1 25
2.85×
2.73×
Q4 24
4.02×
Q3 24
228.00×
2.47×
Q2 24
3.59×
3.99×
Q1 24
3.34×
4.42×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

BFH
BFH

Segment breakdown not available.

PR
PR

Crude Oil$1.0B87%
Natural Gas Liquids Reserves$145.1M12%

Related Comparisons