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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Royalty Pharma plc (RPRX). 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 $622.0M, roughly 1.6× Royalty Pharma plc). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs 4.8%). Over the past eight quarters, Royalty Pharma plc's revenue compounded faster (4.6% 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.
Acceleron Pharma, Inc. is an American clinical stage biopharmaceutical company based in Cambridge, Massachusetts with a broad focus on developing medicines that regulate the transforming growth factor beta (TGF-β) superfamily of proteins, which play fundamental roles in the growth and repair of cells and tissues such as red blood cells, muscle, bone, and blood vessels.
BFH vs RPRX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $622.0M |
| Net Profit | — | $214.2M |
| Gross Margin | — | — |
| Operating Margin | 4.9% | 62.4% |
| Net Margin | — | 34.4% |
| Revenue YoY | 5.4% | 4.8% |
| Net Profit YoY | — | 2.9% |
| EPS (diluted) | $1.21 | $0.49 |
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 | $622.0M | ||
| Q3 25 | $971.0M | $609.3M | ||
| Q2 25 | $929.0M | $578.7M | ||
| Q1 25 | $970.0M | $568.2M | ||
| Q4 24 | $925.0M | $593.6M | ||
| Q3 24 | $983.0M | $564.7M | ||
| Q2 24 | $939.0M | $537.3M | ||
| Q1 24 | $991.0M | $568.0M |
| Q4 25 | — | $214.2M | ||
| Q3 25 | $188.0M | $288.2M | ||
| Q2 25 | $139.0M | $30.2M | ||
| Q1 25 | $138.0M | $238.3M | ||
| Q4 24 | — | $208.2M | ||
| Q3 24 | $2.0M | $544.0M | ||
| Q2 24 | $133.0M | $102.0M | ||
| Q1 24 | $134.0M | $4.8M |
| Q4 25 | 4.9% | 62.4% | ||
| Q3 25 | 20.2% | 70.1% | ||
| Q2 25 | 18.7% | 36.3% | ||
| Q1 25 | 20.3% | 94.0% | ||
| Q4 24 | -2.9% | 60.9% | ||
| Q3 24 | 4.1% | — | ||
| Q2 24 | 19.2% | 50.2% | ||
| Q1 24 | 19.0% | -13.0% |
| Q4 25 | — | 34.4% | ||
| Q3 25 | 19.4% | 47.3% | ||
| Q2 25 | 15.0% | 5.2% | ||
| Q1 25 | 14.2% | 41.9% | ||
| Q4 24 | — | 35.1% | ||
| Q3 24 | 0.2% | 96.3% | ||
| Q2 24 | 14.2% | 19.0% | ||
| Q1 24 | 13.5% | 0.8% |
| Q4 25 | $1.21 | $0.49 | ||
| Q3 25 | $3.96 | $0.67 | ||
| Q2 25 | $2.94 | $0.07 | ||
| Q1 25 | $2.78 | $0.55 | ||
| Q4 24 | $0.08 | $0.46 | ||
| Q3 24 | $0.05 | $1.21 | ||
| Q2 24 | $2.66 | $0.23 | ||
| Q1 24 | $2.70 | $0.01 |
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 | $618.7M |
| Total DebtLower is stronger | $4.3B | $9.0B |
| Stockholders' EquityBook value | $3.3B | $9.7B |
| Total Assets | $22.7B | $19.6B |
| Debt / EquityLower = less leverage | 1.29× | 0.92× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $618.7M | ||
| Q3 25 | $3.8B | $938.9M | ||
| Q2 25 | $3.8B | $631.9M | ||
| Q1 25 | $4.2B | $1.1B | ||
| Q4 24 | $4.0B | $929.0M | ||
| Q3 24 | $3.5B | $950.1M | ||
| Q2 24 | $4.1B | $1.8B | ||
| Q1 24 | $3.8B | $843.0M |
| Q4 25 | $4.3B | $9.0B | ||
| Q3 25 | $3.8B | $8.9B | ||
| Q2 25 | $4.2B | $8.0B | ||
| Q1 25 | $5.1B | $7.6B | ||
| Q4 24 | $5.6B | $7.6B | ||
| Q3 24 | $4.6B | $7.6B | ||
| Q2 24 | — | $7.6B | ||
| Q1 24 | — | $6.1B |
| Q4 25 | $3.3B | $9.7B | ||
| Q3 25 | $3.3B | $9.6B | ||
| Q2 25 | $3.2B | $9.5B | ||
| Q1 25 | $3.1B | $9.8B | ||
| Q4 24 | $3.1B | $10.3B | ||
| Q3 24 | $3.1B | $10.3B | ||
| Q2 24 | $3.2B | $9.8B | ||
| Q1 24 | $3.0B | $9.9B |
| Q4 25 | $22.7B | $19.6B | ||
| Q3 25 | $21.7B | $19.3B | ||
| Q2 25 | $21.8B | $18.3B | ||
| Q1 25 | $22.4B | $17.6B | ||
| Q4 24 | $22.9B | $18.2B | ||
| Q3 24 | $21.7B | $18.0B | ||
| Q2 24 | $22.1B | $17.7B | ||
| Q1 24 | $22.3B | $16.1B |
| Q4 25 | 1.29× | 0.92× | ||
| Q3 25 | 1.14× | 0.93× | ||
| Q2 25 | 1.34× | 0.84× | ||
| Q1 25 | 1.67× | 0.78× | ||
| Q4 24 | 1.82× | 0.74× | ||
| Q3 24 | 1.47× | 0.74× | ||
| Q2 24 | — | 0.78× | ||
| Q1 24 | — | 0.62× |
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 | $827.1M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 3.86× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $827.1M | ||
| Q3 25 | $605.0M | $702.6M | ||
| Q2 25 | $526.0M | $364.0M | ||
| Q1 25 | $393.0M | $596.1M | ||
| Q4 24 | $479.0M | $742.5M | ||
| Q3 24 | $456.0M | $703.6M | ||
| Q2 24 | $477.0M | $658.2M | ||
| Q1 24 | $447.0M | $664.6M |
| Q4 25 | — | 3.86× | ||
| Q3 25 | 3.22× | 2.44× | ||
| Q2 25 | 3.78× | 12.06× | ||
| Q1 25 | 2.85× | 2.50× | ||
| Q4 24 | — | 3.57× | ||
| Q3 24 | 228.00× | 1.29× | ||
| Q2 24 | 3.59× | 6.45× | ||
| Q1 24 | 3.34× | 139.10× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
RPRX
| Financial Royalty Assets | $592.4M | 95% |
| Royalty Income Other | $29.6M | 5% |
