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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Science Applications International Corp (SAIC). Click either name above to swap in a different company.
Science Applications International Corp is the larger business by last-quarter revenue ($1.9B vs $975.0M, roughly 1.9× BREAD FINANCIAL HOLDINGS, INC.). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs 2.6%). Over the past eight quarters, Science Applications International Corp's revenue compounded faster (2.3% 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.
Science Applications International Corporation, Inc. (SAIC) is an American technology company headquartered in Reston, Virginia that provides government services and information technology support.
BFH vs SAIC — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.9B |
| Net Profit | — | $78.0M |
| Gross Margin | — | 12.2% |
| Operating Margin | 4.9% | 6.9% |
| Net Margin | — | 4.2% |
| Revenue YoY | 5.4% | 2.6% |
| Net Profit YoY | — | -3.7% |
| EPS (diluted) | $1.21 | $1.69 |
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 | $1.9B | ||
| Q3 25 | $971.0M | — | ||
| Q2 25 | $929.0M | $1.9B | ||
| Q1 25 | $970.0M | — | ||
| Q4 24 | $925.0M | $2.0B | ||
| Q3 24 | $983.0M | $1.8B | ||
| Q2 24 | $939.0M | $1.8B | ||
| Q1 24 | $991.0M | $1.7B |
| Q4 25 | — | $78.0M | ||
| Q3 25 | $188.0M | — | ||
| Q2 25 | $139.0M | $68.0M | ||
| Q1 25 | $138.0M | — | ||
| Q4 24 | — | $106.0M | ||
| Q3 24 | $2.0M | $81.0M | ||
| Q2 24 | $133.0M | $77.0M | ||
| Q1 24 | $134.0M | $39.0M |
| Q4 25 | — | 12.2% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 11.1% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 12.0% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 11.1% |
| Q4 25 | 4.9% | 6.9% | ||
| Q3 25 | 20.2% | — | ||
| Q2 25 | 18.7% | 6.4% | ||
| Q1 25 | 20.3% | — | ||
| Q4 24 | -2.9% | 8.1% | ||
| Q3 24 | 4.1% | 7.4% | ||
| Q2 24 | 19.2% | 7.1% | ||
| Q1 24 | 19.0% | 4.5% |
| Q4 25 | — | 4.2% | ||
| Q3 25 | 19.4% | — | ||
| Q2 25 | 15.0% | 3.6% | ||
| Q1 25 | 14.2% | — | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | 0.2% | 4.5% | ||
| Q2 24 | 14.2% | 4.2% | ||
| Q1 24 | 13.5% | 2.2% |
| Q4 25 | $1.21 | $1.69 | ||
| Q3 25 | $3.96 | — | ||
| Q2 25 | $2.94 | $1.42 | ||
| Q1 25 | $2.78 | — | ||
| Q4 24 | $0.08 | $2.13 | ||
| Q3 24 | $0.05 | $1.58 | ||
| Q2 24 | $2.66 | $1.48 | ||
| Q1 24 | $2.70 | $0.77 |
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 | $45.0M |
| Total DebtLower is stronger | $4.3B | $2.5B |
| Stockholders' EquityBook value | $3.3B | $1.5B |
| Total Assets | $22.7B | $5.4B |
| Debt / EquityLower = less leverage | 1.29× | 1.64× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $45.0M | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $3.8B | $47.0M | ||
| Q1 25 | $4.2B | — | ||
| Q4 24 | $4.0B | $46.0M | ||
| Q3 24 | $3.5B | $48.0M | ||
| Q2 24 | $4.1B | $49.0M | ||
| Q1 24 | $3.8B | $94.0M |
| Q4 25 | $4.3B | $2.5B | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $4.2B | $2.3B | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $5.6B | $2.2B | ||
| Q3 24 | $4.6B | $2.2B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.1B |
| Q4 25 | $3.3B | $1.5B | ||
| Q3 25 | $3.3B | — | ||
| Q2 25 | $3.2B | $1.5B | ||
| Q1 25 | $3.1B | — | ||
| Q4 24 | $3.1B | $1.6B | ||
| Q3 24 | $3.1B | $1.6B | ||
| Q2 24 | $3.2B | $1.8B | ||
| Q1 24 | $3.0B | $1.8B |
| Q4 25 | $22.7B | $5.4B | ||
| Q3 25 | $21.7B | — | ||
| Q2 25 | $21.8B | $5.2B | ||
| Q1 25 | $22.4B | — | ||
| Q4 24 | $22.9B | $5.3B | ||
| Q3 24 | $21.7B | $5.3B | ||
| Q2 24 | $22.1B | $5.3B | ||
| Q1 24 | $22.3B | $5.3B |
| Q4 25 | 1.29× | 1.64× | ||
| Q3 25 | 1.14× | — | ||
| Q2 25 | 1.34× | 1.52× | ||
| Q1 25 | 1.67× | — | ||
| Q4 24 | 1.82× | 1.34× | ||
| Q3 24 | 1.47× | 1.33× | ||
| Q2 24 | — | 1.18× | ||
| Q1 24 | — | 1.18× |
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 | $129.0M |
| Free Cash FlowOCF − Capex | — | $120.0M |
| FCF MarginFCF / Revenue | — | 6.4% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $478.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $129.0M | ||
| Q3 25 | $605.0M | — | ||
| Q2 25 | $526.0M | $100.0M | ||
| Q1 25 | $393.0M | — | ||
| Q4 24 | $479.0M | $143.0M | ||
| Q3 24 | $456.0M | $138.0M | ||
| Q2 24 | $477.0M | $98.0M | ||
| Q1 24 | $447.0M | $63.0M |
| Q4 25 | — | $120.0M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $92.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $134.0M | ||
| Q3 24 | — | $132.0M | ||
| Q2 24 | — | $92.0M | ||
| Q1 24 | — | $52.0M |
| Q4 25 | — | 6.4% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 4.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 6.8% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 5.0% | ||
| Q1 24 | — | 3.0% |
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | — | 1.65× | ||
| Q3 25 | 3.22× | — | ||
| Q2 25 | 3.78× | 1.47× | ||
| Q1 25 | 2.85× | — | ||
| Q4 24 | — | 1.35× | ||
| Q3 24 | 228.00× | 1.70× | ||
| Q2 24 | 3.59× | 1.27× | ||
| Q1 24 | 3.34× | 1.62× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
SAIC
| Prime Contractor | $1.3B | 71% |
| Civilian | $427.0M | 23% |
| Subcontractor | $116.0M | 6% |
| Commercial State And Local Agencies | $7.0M | 0% |
