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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and TIMKEN CO (TKR). Click either name above to swap in a different company.
TIMKEN CO is the larger business by last-quarter revenue ($1.1B vs $975.0M, roughly 1.1× BREAD FINANCIAL HOLDINGS, INC.). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs 3.5%). Over the past eight quarters, BREAD FINANCIAL HOLDINGS, INC.'s revenue compounded faster (-0.8% CAGR vs -3.4%).
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.
The Timken Company is a global manufacturer of engineered bearings and industrial motion products. Headquartered in North Canton, Ohio, the company operates from 45 countries.
BFH vs TKR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.1B |
| Net Profit | — | $62.3M |
| Gross Margin | — | 29.3% |
| Operating Margin | 4.9% | 9.8% |
| Net Margin | — | 5.6% |
| Revenue YoY | 5.4% | 3.5% |
| Net Profit YoY | — | -12.5% |
| EPS (diluted) | $1.21 | $0.89 |
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 | $1.1B | ||
| Q3 25 | $971.0M | $1.2B | ||
| Q2 25 | $929.0M | $1.2B | ||
| Q1 25 | $970.0M | $1.1B | ||
| Q4 24 | $925.0M | $1.1B | ||
| Q3 24 | $983.0M | $1.1B | ||
| Q2 24 | $939.0M | $1.2B | ||
| Q1 24 | $991.0M | $1.2B |
| Q4 25 | — | $62.3M | ||
| Q3 25 | $188.0M | $69.3M | ||
| Q2 25 | $139.0M | $78.5M | ||
| Q1 25 | $138.0M | $78.3M | ||
| Q4 24 | — | $71.2M | ||
| Q3 24 | $2.0M | $81.8M | ||
| Q2 24 | $133.0M | $96.2M | ||
| Q1 24 | $134.0M | $103.5M |
| Q4 25 | — | 29.3% | ||
| Q3 25 | — | 30.2% | ||
| Q2 25 | — | 30.7% | ||
| Q1 25 | — | 31.5% | ||
| Q4 24 | — | 30.3% | ||
| Q3 24 | — | 30.6% | ||
| Q2 24 | — | 31.6% | ||
| Q1 24 | — | 33.4% |
| Q4 25 | 4.9% | 9.8% | ||
| Q3 25 | 20.2% | 12.0% | ||
| Q2 25 | 18.7% | 12.6% | ||
| Q1 25 | 20.3% | 12.6% | ||
| Q4 24 | -2.9% | 10.5% | ||
| Q3 24 | 4.1% | 13.0% | ||
| Q2 24 | 19.2% | 14.1% | ||
| Q1 24 | 19.0% | 15.5% |
| Q4 25 | — | 5.6% | ||
| Q3 25 | 19.4% | 6.0% | ||
| Q2 25 | 15.0% | 6.7% | ||
| Q1 25 | 14.2% | 6.9% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 0.2% | 7.3% | ||
| Q2 24 | 14.2% | 8.1% | ||
| Q1 24 | 13.5% | 8.7% |
| Q4 25 | $1.21 | $0.89 | ||
| Q3 25 | $3.96 | $0.99 | ||
| Q2 25 | $2.94 | $1.12 | ||
| Q1 25 | $2.78 | $1.11 | ||
| Q4 24 | $0.08 | $1.01 | ||
| Q3 24 | $0.05 | $1.16 | ||
| Q2 24 | $2.66 | $1.36 | ||
| Q1 24 | $2.70 | $1.46 |
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 | $364.4M |
| Total DebtLower is stronger | $4.3B | $1.9B |
| Stockholders' EquityBook value | $3.3B | $3.2B |
| Total Assets | $22.7B | $6.7B |
| Debt / EquityLower = less leverage | 1.29× | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $364.4M | ||
| Q3 25 | $3.8B | $449.1M | ||
| Q2 25 | $3.8B | $419.3M | ||
| Q1 25 | $4.2B | $376.1M | ||
| Q4 24 | $4.0B | $373.2M | ||
| Q3 24 | $3.5B | $412.7M | ||
| Q2 24 | $4.1B | $469.9M | ||
| Q1 24 | $3.8B | $421.9M |
| Q4 25 | $4.3B | $1.9B | ||
| Q3 25 | $3.8B | $2.1B | ||
| Q2 25 | $4.2B | $2.2B | ||
| Q1 25 | $5.1B | $2.1B | ||
| Q4 24 | $5.6B | $2.1B | ||
| Q3 24 | $4.6B | $2.2B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.2B |
| Q4 25 | $3.3B | $3.2B | ||
| Q3 25 | $3.3B | $3.1B | ||
| Q2 25 | $3.2B | $3.1B | ||
| Q1 25 | $3.1B | $2.9B | ||
| Q4 24 | $3.1B | $2.8B | ||
| Q3 24 | $3.1B | $2.9B | ||
| Q2 24 | $3.2B | $2.8B | ||
| Q1 24 | $3.0B | $2.6B |
| Q4 25 | $22.7B | $6.7B | ||
| Q3 25 | $21.7B | $6.8B | ||
| Q2 25 | $21.8B | $6.8B | ||
| Q1 25 | $22.4B | $6.6B | ||
| Q4 24 | $22.9B | $6.4B | ||
| Q3 24 | $21.7B | $6.8B | ||
| Q2 24 | $22.1B | $6.6B | ||
| Q1 24 | $22.3B | $6.5B |
| Q4 25 | 1.29× | 0.60× | ||
| Q3 25 | 1.14× | 0.67× | ||
| Q2 25 | 1.34× | 0.70× | ||
| Q1 25 | 1.67× | 0.73× | ||
| Q4 24 | 1.82× | 0.73× | ||
| Q3 24 | 1.47× | 0.75× | ||
| Q2 24 | — | 0.77× | ||
| Q1 24 | — | 0.83× |
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 | $183.3M |
| Free Cash FlowOCF − Capex | — | $140.7M |
| FCF MarginFCF / Revenue | — | 12.7% |
| Capex IntensityCapex / Revenue | — | 3.8% |
| Cash ConversionOCF / Net Profit | — | 2.94× |
| TTM Free Cash FlowTrailing 4 quarters | — | $406.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $183.3M | ||
| Q3 25 | $605.0M | $201.1M | ||
| Q2 25 | $526.0M | $111.3M | ||
| Q1 25 | $393.0M | $58.6M | ||
| Q4 24 | $479.0M | $178.6M | ||
| Q3 24 | $456.0M | $123.2M | ||
| Q2 24 | $477.0M | $124.6M | ||
| Q1 24 | $447.0M | $49.3M |
| Q4 25 | — | $140.7M | ||
| Q3 25 | — | $163.8M | ||
| Q2 25 | — | $78.2M | ||
| Q1 25 | — | $23.4M | ||
| Q4 24 | — | $125.0M | ||
| Q3 24 | — | $88.2M | ||
| Q2 24 | — | $87.3M | ||
| Q1 24 | — | $5.2M |
| Q4 25 | — | 12.7% | ||
| Q3 25 | — | 14.2% | ||
| Q2 25 | — | 6.7% | ||
| Q1 25 | — | 2.1% | ||
| Q4 24 | — | 11.6% | ||
| Q3 24 | — | 7.8% | ||
| Q2 24 | — | 7.4% | ||
| Q1 24 | — | 0.4% |
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 2.8% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 3.1% | ||
| Q2 24 | — | 3.2% | ||
| Q1 24 | — | 3.7% |
| Q4 25 | — | 2.94× | ||
| Q3 25 | 3.22× | 2.90× | ||
| Q2 25 | 3.78× | 1.42× | ||
| Q1 25 | 2.85× | 0.75× | ||
| Q4 24 | — | 2.51× | ||
| Q3 24 | 228.00× | 1.51× | ||
| Q2 24 | 3.59× | 1.30× | ||
| Q1 24 | 3.34× | 0.48× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
TKR
| Industrial Motion | $574.1M | 52% |
| Other | $536.9M | 48% |
