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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and SCANSOURCE, INC. (SCSC). 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 $766.5M, roughly 1.3× SCANSOURCE, INC.). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs 2.5%). Over the past eight quarters, SCANSOURCE, INC.'s revenue compounded faster (0.9% 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.
ScanSource, Inc. is a leading global specialty technology distributor offering a broad portfolio of solutions including point-of-sale systems, barcode scanning tools, cybersecurity products, cloud services and communication solutions. It primarily serves value-added resellers, managed service providers and enterprise clients across North America, Latin America and Europe, covering retail, healthcare, industrial and public sector core segments.
BFH vs SCSC — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $766.5M |
| Net Profit | — | $16.5M |
| Gross Margin | — | 13.4% |
| Operating Margin | 4.9% | 2.3% |
| Net Margin | — | 2.2% |
| Revenue YoY | 5.4% | 2.5% |
| Net Profit YoY | — | -3.3% |
| EPS (diluted) | $1.21 | $0.75 |
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 | $766.5M | ||
| Q3 25 | $971.0M | $739.6M | ||
| Q2 25 | $929.0M | $812.9M | ||
| Q1 25 | $970.0M | $704.8M | ||
| Q4 24 | $925.0M | $747.5M | ||
| Q3 24 | $983.0M | $775.6M | ||
| Q2 24 | $939.0M | $746.1M | ||
| Q1 24 | $991.0M | $752.6M |
| Q4 25 | — | $16.5M | ||
| Q3 25 | $188.0M | $19.9M | ||
| Q2 25 | $139.0M | $20.1M | ||
| Q1 25 | $138.0M | $17.4M | ||
| Q4 24 | — | $17.1M | ||
| Q3 24 | $2.0M | $17.0M | ||
| Q2 24 | $133.0M | $16.1M | ||
| Q1 24 | $134.0M | $12.8M |
| Q4 25 | — | 13.4% | ||
| Q3 25 | — | 14.5% | ||
| Q2 25 | — | 12.9% | ||
| Q1 25 | — | 14.2% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | — | 13.1% | ||
| Q2 24 | — | 13.0% | ||
| Q1 24 | — | 12.6% |
| Q4 25 | 4.9% | 2.3% | ||
| Q3 25 | 20.2% | 3.5% | ||
| Q2 25 | 18.7% | 3.3% | ||
| Q1 25 | 20.3% | 3.2% | ||
| Q4 24 | -2.9% | 2.5% | ||
| Q3 24 | 4.1% | 2.3% | ||
| Q2 24 | 19.2% | 2.9% | ||
| Q1 24 | 19.0% | 2.3% |
| Q4 25 | — | 2.2% | ||
| Q3 25 | 19.4% | 2.7% | ||
| Q2 25 | 15.0% | 2.5% | ||
| Q1 25 | 14.2% | 2.5% | ||
| Q4 24 | — | 2.3% | ||
| Q3 24 | 0.2% | 2.2% | ||
| Q2 24 | 14.2% | 2.2% | ||
| Q1 24 | 13.5% | 1.7% |
| Q4 25 | $1.21 | $0.75 | ||
| Q3 25 | $3.96 | $0.89 | ||
| Q2 25 | $2.94 | $0.87 | ||
| Q1 25 | $2.78 | $0.74 | ||
| Q4 24 | $0.08 | $0.70 | ||
| Q3 24 | $0.05 | $0.69 | ||
| Q2 24 | $2.66 | $0.66 | ||
| Q1 24 | $2.70 | $0.50 |
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 | $83.5M |
| Total DebtLower is stronger | $4.3B | — |
| Stockholders' EquityBook value | $3.3B | $910.9M |
| Total Assets | $22.7B | $1.7B |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $83.5M | ||
| Q3 25 | $3.8B | $124.9M | ||
| Q2 25 | $3.8B | $126.2M | ||
| Q1 25 | $4.2B | $146.3M | ||
| Q4 24 | $4.0B | $110.5M | ||
| Q3 24 | $3.5B | $145.0M | ||
| Q2 24 | $4.1B | $185.5M | ||
| Q1 24 | $3.8B | $159.1M |
| 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 | $910.9M | ||
| Q3 25 | $3.3B | $914.0M | ||
| Q2 25 | $3.2B | $906.4M | ||
| Q1 25 | $3.1B | $901.7M | ||
| Q4 24 | $3.1B | $900.7M | ||
| Q3 24 | $3.1B | $920.9M | ||
| Q2 24 | $3.2B | $924.3M | ||
| Q1 24 | $3.0B | $944.1M |
| Q4 25 | $22.7B | $1.7B | ||
| Q3 25 | $21.7B | $1.7B | ||
| Q2 25 | $21.8B | $1.8B | ||
| Q1 25 | $22.4B | $1.7B | ||
| Q4 24 | $22.9B | $1.7B | ||
| Q3 24 | $21.7B | $1.8B | ||
| Q2 24 | $22.1B | $1.8B | ||
| Q1 24 | $22.3B | $1.8B |
| 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 | $30.8M |
| Free Cash FlowOCF − Capex | — | $28.9M |
| FCF MarginFCF / Revenue | — | 3.8% |
| Capex IntensityCapex / Revenue | — | 0.3% |
| Cash ConversionOCF / Net Profit | — | 1.87× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $30.8M | ||
| Q3 25 | $605.0M | $23.2M | ||
| Q2 25 | $526.0M | — | ||
| Q1 25 | $393.0M | $66.1M | ||
| Q4 24 | $479.0M | $-6.2M | ||
| Q3 24 | $456.0M | $44.8M | ||
| Q2 24 | $477.0M | — | ||
| Q1 24 | $447.0M | $160.2M |
| Q4 25 | — | $28.9M | ||
| Q3 25 | — | $20.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $64.6M | ||
| Q4 24 | — | $-8.2M | ||
| Q3 24 | — | $42.5M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $157.7M |
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | 5.5% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 21.0% |
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | — | 1.87× | ||
| Q3 25 | 3.22× | 1.17× | ||
| Q2 25 | 3.78× | — | ||
| Q1 25 | 2.85× | 3.79× | ||
| Q4 24 | — | -0.36× | ||
| Q3 24 | 228.00× | 2.64× | ||
| Q2 24 | 3.59× | — | ||
| Q1 24 | 3.34× | 12.51× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
SCSC
| Products And Services | $723.4M | 94% |
| Intelisys Advisory | $25.0M | 3% |
| Recurring Revenue | $18.2M | 2% |
