Garmin and Polar total calorie discrepancy

I am using a Garmin Fenix 7 Pro with Polar H10 chest band.

I am also using the Polar Beat software for calorie tracking purposes.

The average and top heart rate are the same.

Polar reports 915 calories burnt

Garmin reports 805 calories.

I am wondering why this discrepancy would happen, considering there would be only one way to count the calories burnt per minute based on age and heart rate.

Did anyone notice the same problem?