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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Construction Partners, Inc. (ROAD). 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 $809.5M, roughly 1.2× Construction Partners, Inc.). On growth, Construction Partners, Inc. posted the faster year-over-year revenue change (44.1% vs 5.4%). Over the past eight quarters, Construction Partners, Inc.'s revenue compounded faster (47.6% 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.
Alexander Construction Company was a Palm Springs, California, residential development company that built over 2,200 houses in the Coachella Valley of Riverside County, California, between 1955 and 1965.
BFH vs ROAD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $809.5M |
| Net Profit | — | $17.2M |
| Gross Margin | — | 15.0% |
| Operating Margin | 4.9% | 6.2% |
| Net Margin | — | 2.1% |
| Revenue YoY | 5.4% | 44.1% |
| Net Profit YoY | — | 663.9% |
| EPS (diluted) | $1.21 | $0.31 |
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 | $809.5M | ||
| Q3 25 | $971.0M | $899.8M | ||
| Q2 25 | $929.0M | $779.3M | ||
| Q1 25 | $970.0M | $571.6M | ||
| Q4 24 | $925.0M | $561.6M | ||
| Q3 24 | $983.0M | $538.2M | ||
| Q2 24 | $939.0M | $517.8M | ||
| Q1 24 | $991.0M | $371.4M |
| Q4 25 | — | $17.2M | ||
| Q3 25 | $188.0M | $56.6M | ||
| Q2 25 | $139.0M | $44.0M | ||
| Q1 25 | $138.0M | $4.2M | ||
| Q4 24 | — | $-3.1M | ||
| Q3 24 | $2.0M | $29.3M | ||
| Q2 24 | $133.0M | $30.9M | ||
| Q1 24 | $134.0M | $-1.1M |
| Q4 25 | — | 15.0% | ||
| Q3 25 | — | 17.7% | ||
| Q2 25 | — | 16.9% | ||
| Q1 25 | — | 12.5% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | — | 15.6% | ||
| Q2 24 | — | 16.1% | ||
| Q1 24 | — | 10.4% |
| Q4 25 | 4.9% | 6.2% | ||
| Q3 25 | 20.2% | 11.2% | ||
| Q2 25 | 18.7% | 10.6% | ||
| Q1 25 | 20.3% | 4.8% | ||
| Q4 24 | -2.9% | 2.5% | ||
| Q3 24 | 4.1% | 8.5% | ||
| Q2 24 | 19.2% | 8.8% | ||
| Q1 24 | 19.0% | 0.8% |
| Q4 25 | — | 2.1% | ||
| Q3 25 | 19.4% | 6.3% | ||
| Q2 25 | 15.0% | 5.7% | ||
| Q1 25 | 14.2% | 0.7% | ||
| Q4 24 | — | -0.5% | ||
| Q3 24 | 0.2% | 5.4% | ||
| Q2 24 | 14.2% | 6.0% | ||
| Q1 24 | 13.5% | -0.3% |
| Q4 25 | $1.21 | $0.31 | ||
| Q3 25 | $3.96 | $1.03 | ||
| Q2 25 | $2.94 | $0.79 | ||
| Q1 25 | $2.78 | $0.08 | ||
| Q4 24 | $0.08 | $-0.06 | ||
| Q3 24 | $0.05 | $0.55 | ||
| Q2 24 | $2.66 | $0.59 | ||
| Q1 24 | $2.70 | $-0.02 |
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 | $104.1M |
| Total DebtLower is stronger | $4.3B | — |
| Stockholders' EquityBook value | $3.3B | $969.1M |
| Total Assets | $22.7B | $3.4B |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $104.1M | ||
| Q3 25 | $3.8B | $156.1M | ||
| Q2 25 | $3.8B | $114.3M | ||
| Q1 25 | $4.2B | $101.9M | ||
| Q4 24 | $4.0B | $132.5M | ||
| Q3 24 | $3.5B | $74.7M | ||
| Q2 24 | $4.1B | $56.3M | ||
| Q1 24 | $3.8B | $48.0M |
| Q4 25 | $4.3B | — | ||
| Q3 25 | $3.8B | $1.6B | ||
| Q2 25 | $4.2B | — | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $5.6B | — | ||
| Q3 24 | $4.6B | $515.0M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $3.3B | $969.1M | ||
| Q3 25 | $3.3B | $912.0M | ||
| Q2 25 | $3.2B | $853.3M | ||
| Q1 25 | $3.1B | $807.9M | ||
| Q4 24 | $3.1B | $811.1M | ||
| Q3 24 | $3.1B | $573.7M | ||
| Q2 24 | $3.2B | $552.9M | ||
| Q1 24 | $3.0B | $525.0M |
| Q4 25 | $22.7B | $3.4B | ||
| Q3 25 | $21.7B | $3.2B | ||
| Q2 25 | $21.8B | $2.9B | ||
| Q1 25 | $22.4B | $2.8B | ||
| Q4 24 | $22.9B | $2.6B | ||
| Q3 24 | $21.7B | $1.5B | ||
| Q2 24 | $22.1B | $1.4B | ||
| Q1 24 | $22.3B | $1.3B |
| Q4 25 | 1.29× | — | ||
| Q3 25 | 1.14× | 1.78× | ||
| Q2 25 | 1.34× | — | ||
| Q1 25 | 1.67× | — | ||
| Q4 24 | 1.82× | — | ||
| Q3 24 | 1.47× | 0.90× | ||
| 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 | $82.6M |
| Free Cash FlowOCF − Capex | — | $47.1M |
| FCF MarginFCF / Revenue | — | 5.8% |
| Capex IntensityCapex / Revenue | — | 4.4% |
| Cash ConversionOCF / Net Profit | — | 4.80× |
| TTM Free Cash FlowTrailing 4 quarters | — | $186.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $82.6M | ||
| Q3 25 | $605.0M | $112.0M | ||
| Q2 25 | $526.0M | $83.0M | ||
| Q1 25 | $393.0M | $55.6M | ||
| Q4 24 | $479.0M | $40.7M | ||
| Q3 24 | $456.0M | $95.9M | ||
| Q2 24 | $477.0M | $34.6M | ||
| Q1 24 | $447.0M | $18.2M |
| Q4 25 | — | $47.1M | ||
| Q3 25 | — | $78.9M | ||
| Q2 25 | — | $46.4M | ||
| Q1 25 | — | $14.2M | ||
| Q4 24 | — | $13.8M | ||
| Q3 24 | — | $78.4M | ||
| Q2 24 | — | $19.7M | ||
| Q1 24 | — | $-10.6M |
| Q4 25 | — | 5.8% | ||
| Q3 25 | — | 8.8% | ||
| Q2 25 | — | 5.9% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | — | 14.6% | ||
| Q2 24 | — | 3.8% | ||
| Q1 24 | — | -2.8% |
| Q4 25 | — | 4.4% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 4.7% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | — | 4.8% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | 2.9% | ||
| Q1 24 | — | 7.7% |
| Q4 25 | — | 4.80× | ||
| Q3 25 | 3.22× | 1.98× | ||
| Q2 25 | 3.78× | 1.88× | ||
| Q1 25 | 2.85× | 13.20× | ||
| Q4 24 | — | — | ||
| Q3 24 | 228.00× | 3.27× | ||
| Q2 24 | 3.59× | 1.12× | ||
| Q1 24 | 3.34× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
