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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and SOMNIGROUP INTERNATIONAL INC. (SGI). Click either name above to swap in a different company.
SOMNIGROUP INTERNATIONAL INC. is the larger business by last-quarter revenue ($1.8B vs $975.0M, roughly 1.8× BREAD FINANCIAL HOLDINGS, INC.). On growth, SOMNIGROUP INTERNATIONAL INC. posted the faster year-over-year revenue change (12.3% vs 5.4%). Over the past eight quarters, SOMNIGROUP INTERNATIONAL INC.'s revenue compounded faster (20.8% 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.
Somnigroup International Inc. is an American manufacturer of mattresses and bedding products.
BFH vs SGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.8B |
| Net Profit | — | $104.2M |
| Gross Margin | — | 43.1% |
| Operating Margin | 4.9% | 10.4% |
| Net Margin | — | 5.8% |
| Revenue YoY | 5.4% | 12.3% |
| Net Profit YoY | — | 414.8% |
| 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.
| Q1 26 | — | $1.8B | ||
| Q4 25 | $975.0M | $1.9B | ||
| Q3 25 | $971.0M | $2.1B | ||
| Q2 25 | $929.0M | $1.9B | ||
| Q1 25 | $970.0M | $1.6B | ||
| Q4 24 | $925.0M | $1.2B | ||
| Q3 24 | $983.0M | $1.3B | ||
| Q2 24 | $939.0M | $1.2B |
| Q1 26 | — | $104.2M | ||
| Q4 25 | — | $140.8M | ||
| Q3 25 | $188.0M | $177.4M | ||
| Q2 25 | $139.0M | $99.0M | ||
| Q1 25 | $138.0M | $-33.1M | ||
| Q4 24 | — | $71.9M | ||
| Q3 24 | $2.0M | $130.0M | ||
| Q2 24 | $133.0M | $106.1M |
| Q1 26 | — | 43.1% | ||
| Q4 25 | — | 44.0% | ||
| Q3 25 | — | 44.9% | ||
| Q2 25 | — | 44.0% | ||
| Q1 25 | — | 36.2% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 45.4% | ||
| Q2 24 | — | 44.9% |
| Q1 26 | — | 10.4% | ||
| Q4 25 | 4.9% | 13.2% | ||
| Q3 25 | 20.2% | 14.8% | ||
| Q2 25 | 18.7% | 9.6% | ||
| Q1 25 | 20.3% | 0.8% | ||
| Q4 24 | -2.9% | 10.6% | ||
| Q3 24 | 4.1% | 15.5% | ||
| Q2 24 | 19.2% | 14.0% |
| Q1 26 | — | 5.8% | ||
| Q4 25 | — | 7.5% | ||
| Q3 25 | 19.4% | 8.4% | ||
| Q2 25 | 15.0% | 5.3% | ||
| Q1 25 | 14.2% | -2.1% | ||
| Q4 24 | — | 6.0% | ||
| Q3 24 | 0.2% | 10.0% | ||
| Q2 24 | 14.2% | 8.6% |
| Q1 26 | — | $0.49 | ||
| Q4 25 | $1.21 | $0.71 | ||
| Q3 25 | $3.96 | $0.83 | ||
| Q2 25 | $2.94 | $0.47 | ||
| Q1 25 | $2.78 | $-0.17 | ||
| Q4 24 | $0.08 | $0.40 | ||
| Q3 24 | $0.05 | $0.73 | ||
| Q2 24 | $2.66 | $0.60 |
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 | $110.8M |
| Total DebtLower is stronger | $4.3B | $112.1M |
| Stockholders' EquityBook value | $3.3B | $3.1B |
| Total Assets | $22.7B | $11.5B |
| Debt / EquityLower = less leverage | 1.29× | 0.04× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $110.8M | ||
| Q4 25 | $3.6B | — | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $3.8B | — | ||
| Q1 25 | $4.2B | — | ||
| Q4 24 | $4.0B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $4.1B | — |
| Q1 26 | — | $112.1M | ||
| Q4 25 | $4.3B | $4.6B | ||
| Q3 25 | $3.8B | $4.5B | ||
| Q2 25 | $4.2B | $4.8B | ||
| Q1 25 | $5.1B | $4.9B | ||
| Q4 24 | $5.6B | $3.7B | ||
| Q3 24 | $4.6B | $2.2B | ||
| Q2 24 | — | $2.4B |
| Q1 26 | — | $3.1B | ||
| Q4 25 | $3.3B | $3.1B | ||
| Q3 25 | $3.3B | $3.0B | ||
| Q2 25 | $3.2B | $2.8B | ||
| Q1 25 | $3.1B | $2.7B | ||
| Q4 24 | $3.1B | $559.0M | ||
| Q3 24 | $3.1B | $564.5M | ||
| Q2 24 | $3.2B | $411.8M |
| Q1 26 | — | $11.5B | ||
| Q4 25 | $22.7B | $11.6B | ||
| Q3 25 | $21.7B | $11.4B | ||
| Q2 25 | $21.8B | $11.4B | ||
| Q1 25 | $22.4B | $11.3B | ||
| Q4 24 | $22.9B | $6.0B | ||
| Q3 24 | $21.7B | $4.6B | ||
| Q2 24 | $22.1B | $4.6B |
| Q1 26 | — | 0.04× | ||
| Q4 25 | 1.29× | 1.47× | ||
| Q3 25 | 1.14× | 1.51× | ||
| Q2 25 | 1.34× | 1.69× | ||
| Q1 25 | 1.67× | 1.79× | ||
| Q4 24 | 1.82× | 6.69× | ||
| Q3 24 | 1.47× | 3.95× | ||
| Q2 24 | — | 5.92× |
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 | $246.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 2.37× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $246.5M | ||
| Q4 25 | $568.0M | $99.4M | ||
| Q3 25 | $605.0M | $408.2M | ||
| Q2 25 | $526.0M | $186.1M | ||
| Q1 25 | $393.0M | $106.4M | ||
| Q4 24 | $479.0M | $129.1M | ||
| Q3 24 | $456.0M | $256.6M | ||
| Q2 24 | $477.0M | $150.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | $41.1M | ||
| Q3 25 | — | $360.3M | ||
| Q2 25 | — | $149.4M | ||
| Q1 25 | — | $82.4M | ||
| Q4 24 | — | $108.2M | ||
| Q3 24 | — | $240.2M | ||
| Q2 24 | — | $122.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 7.9% | ||
| Q1 25 | — | 5.1% | ||
| Q4 24 | — | 9.0% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 9.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 2.3% |
| Q1 26 | — | 2.37× | ||
| Q4 25 | — | 0.71× | ||
| Q3 25 | 3.22× | 2.30× | ||
| Q2 25 | 3.78× | 1.88× | ||
| Q1 25 | 2.85× | — | ||
| Q4 24 | — | 1.80× | ||
| Q3 24 | 228.00× | 1.97× | ||
| Q2 24 | 3.59× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
