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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Schneider National, Inc. (SNDR). Click either name above to swap in a different company.
Schneider National, Inc. is the larger business by last-quarter revenue ($1.4B vs $975.0M, roughly 1.4× BREAD FINANCIAL HOLDINGS, INC.). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs 4.5%). Over the past eight quarters, Schneider National, Inc.'s revenue compounded faster (3.0% 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.
Schneider National, Inc. is an American transportation company that provides truckload, intermodal, and logistics services. Schneider's services include regional, long-haul, expedited, dedicated, bulk, intermodal, brokerage, cross-dock logistics, pool point distribution, supply chain management, and port logistics.
BFH vs SNDR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.4B |
| Net Profit | — | $22.1M |
| Gross Margin | — | — |
| Operating Margin | 4.9% | 2.6% |
| Net Margin | — | 1.6% |
| Revenue YoY | 5.4% | 4.5% |
| Net Profit YoY | — | -32.2% |
| EPS (diluted) | $1.21 | $0.13 |
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 | $1.4B | ||
| Q3 25 | $971.0M | $1.5B | ||
| Q2 25 | $929.0M | $1.4B | ||
| Q1 25 | $970.0M | $1.4B | ||
| Q4 24 | $925.0M | $1.3B | ||
| Q3 24 | $983.0M | $1.3B | ||
| Q2 24 | $939.0M | $1.3B | ||
| Q1 24 | $991.0M | $1.3B |
| Q4 25 | — | $22.1M | ||
| Q3 25 | $188.0M | $19.4M | ||
| Q2 25 | $139.0M | $36.0M | ||
| Q1 25 | $138.0M | $26.1M | ||
| Q4 24 | — | $32.6M | ||
| Q3 24 | $2.0M | $30.6M | ||
| Q2 24 | $133.0M | $35.3M | ||
| Q1 24 | $134.0M | $18.5M |
| Q4 25 | 4.9% | 2.6% | ||
| Q3 25 | 20.2% | 2.4% | ||
| Q2 25 | 18.7% | 3.9% | ||
| Q1 25 | 20.3% | 3.0% | ||
| Q4 24 | -2.9% | 3.2% | ||
| Q3 24 | 4.1% | 3.3% | ||
| Q2 24 | 19.2% | 3.9% | ||
| Q1 24 | 19.0% | 2.2% |
| Q4 25 | — | 1.6% | ||
| Q3 25 | 19.4% | 1.3% | ||
| Q2 25 | 15.0% | 2.5% | ||
| Q1 25 | 14.2% | 1.9% | ||
| Q4 24 | — | 2.4% | ||
| Q3 24 | 0.2% | 2.3% | ||
| Q2 24 | 14.2% | 2.7% | ||
| Q1 24 | 13.5% | 1.4% |
| Q4 25 | $1.21 | $0.13 | ||
| Q3 25 | $3.96 | $0.11 | ||
| Q2 25 | $2.94 | $0.20 | ||
| Q1 25 | $2.78 | $0.15 | ||
| Q4 24 | $0.08 | $0.19 | ||
| Q3 24 | $0.05 | $0.17 | ||
| Q2 24 | $2.66 | $0.20 | ||
| Q1 24 | $2.70 | $0.10 |
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 | $41.8M |
| Total DebtLower is stronger | $4.3B | $390.9M |
| Stockholders' EquityBook value | $3.3B | $3.0B |
| Total Assets | $22.7B | $4.8B |
| Debt / EquityLower = less leverage | 1.29× | 0.13× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $41.8M | ||
| Q3 25 | $3.8B | $235.7M | ||
| Q2 25 | $3.8B | $205.1M | ||
| Q1 25 | $4.2B | $154.3M | ||
| Q4 24 | $4.0B | $165.5M | ||
| Q3 24 | $3.5B | $231.6M | ||
| Q2 24 | $4.1B | $157.2M | ||
| Q1 24 | $3.8B | $124.2M |
| Q4 25 | $4.3B | $390.9M | ||
| Q3 25 | $3.8B | $509.8M | ||
| Q2 25 | $4.2B | $512.7M | ||
| Q1 25 | $5.1B | $565.8M | ||
| Q4 24 | $5.6B | $420.8M | ||
| Q3 24 | $4.6B | $124.7M | ||
| Q2 24 | — | $125.8M | ||
| Q1 24 | — | $96.6M |
| Q4 25 | $3.3B | $3.0B | ||
| Q3 25 | $3.3B | $3.0B | ||
| Q2 25 | $3.2B | $3.0B | ||
| Q1 25 | $3.1B | $3.0B | ||
| Q4 24 | $3.1B | $3.0B | ||
| Q3 24 | $3.1B | $3.0B | ||
| Q2 24 | $3.2B | $3.0B | ||
| Q1 24 | $3.0B | $2.9B |
| Q4 25 | $22.7B | $4.8B | ||
| Q3 25 | $21.7B | $5.0B | ||
| Q2 25 | $21.8B | $5.0B | ||
| Q1 25 | $22.4B | $5.0B | ||
| Q4 24 | $22.9B | $4.9B | ||
| Q3 24 | $21.7B | $4.6B | ||
| Q2 24 | $22.1B | $4.5B | ||
| Q1 24 | $22.3B | $4.6B |
| Q4 25 | 1.29× | 0.13× | ||
| Q3 25 | 1.14× | 0.17× | ||
| Q2 25 | 1.34× | 0.17× | ||
| Q1 25 | 1.67× | 0.19× | ||
| Q4 24 | 1.82× | 0.14× | ||
| Q3 24 | 1.47× | 0.04× | ||
| Q2 24 | — | 0.04× | ||
| Q1 24 | — | 0.03× |
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 | $186.0M |
| Free Cash FlowOCF − Capex | — | $145.5M |
| FCF MarginFCF / Revenue | — | 10.4% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | — | 8.42× |
| TTM Free Cash FlowTrailing 4 quarters | — | $285.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $186.0M | ||
| Q3 25 | $605.0M | $184.2M | ||
| Q2 25 | $526.0M | $175.5M | ||
| Q1 25 | $393.0M | $91.7M | ||
| Q4 24 | $479.0M | $199.5M | ||
| Q3 24 | $456.0M | $206.4M | ||
| Q2 24 | $477.0M | $182.6M | ||
| Q1 24 | $447.0M | $97.6M |
| Q4 25 | — | $145.5M | ||
| Q3 25 | — | $56.2M | ||
| Q2 25 | — | $106.4M | ||
| Q1 25 | — | $-22.7M | ||
| Q4 24 | — | $113.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $85.5M | ||
| Q1 24 | — | $-25.7M |
| Q4 25 | — | 10.4% | ||
| Q3 25 | — | 3.9% | ||
| Q2 25 | — | 7.5% | ||
| Q1 25 | — | -1.6% | ||
| Q4 24 | — | 8.5% | ||
| Q3 24 | — | 7.5% | ||
| Q2 24 | — | 6.5% | ||
| Q1 24 | — | -1.9% |
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 8.8% | ||
| Q2 25 | — | 4.9% | ||
| Q1 25 | — | 8.2% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 8.2% | ||
| Q2 24 | — | 7.4% | ||
| Q1 24 | — | 9.3% |
| Q4 25 | — | 8.42× | ||
| Q3 25 | 3.22× | 9.49× | ||
| Q2 25 | 3.78× | 4.88× | ||
| Q1 25 | 2.85× | 3.51× | ||
| Q4 24 | — | 6.12× | ||
| Q3 24 | 228.00× | 6.75× | ||
| Q2 24 | 3.59× | 5.17× | ||
| Q1 24 | 3.34× | 5.28× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
SNDR
| Transportation | $1.3B | 93% |
| Logistics Management | $52.3M | 4% |
| Other | $46.2M | 3% |
