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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Dynatrace, Inc. (DT). 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 $515.5M, roughly 1.9× Dynatrace, Inc.). On growth, Dynatrace, Inc. posted the faster year-over-year revenue change (18.2% vs 5.4%). Over the past eight quarters, Dynatrace, Inc.'s revenue compounded faster (16.3% 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.
Dynatrace, Inc. is an American multinational technology company that provides an AI-powered observability platform. Their software is used to monitor, analyze, and optimize application performance, software development, cyber security practices, IT infrastructure, and user experience.
BFH vs DT — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $515.5M |
| Net Profit | — | $40.1M |
| Gross Margin | — | 81.4% |
| Operating Margin | 4.9% | 14.1% |
| Net Margin | — | 7.8% |
| Revenue YoY | 5.4% | 18.2% |
| Net Profit YoY | — | -88.9% |
| 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 | $515.5M | ||
| Q3 25 | $971.0M | $493.8M | ||
| Q2 25 | $929.0M | $477.3M | ||
| Q1 25 | $970.0M | $445.2M | ||
| Q4 24 | $925.0M | $436.2M | ||
| Q3 24 | $983.0M | $418.1M | ||
| Q2 24 | $939.0M | $399.2M | ||
| Q1 24 | $991.0M | $380.8M |
| Q4 25 | — | $40.1M | ||
| Q3 25 | $188.0M | $57.2M | ||
| Q2 25 | $139.0M | $48.0M | ||
| Q1 25 | $138.0M | $39.3M | ||
| Q4 24 | — | $361.8M | ||
| Q3 24 | $2.0M | $44.0M | ||
| Q2 24 | $133.0M | $38.6M | ||
| Q1 24 | $134.0M | $37.9M |
| Q4 25 | — | 81.4% | ||
| Q3 25 | — | 81.8% | ||
| Q2 25 | — | 82.1% | ||
| Q1 25 | — | 80.9% | ||
| Q4 24 | — | 81.1% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 81.3% | ||
| Q1 24 | — | 81.1% |
| Q4 25 | 4.9% | 14.1% | ||
| Q3 25 | 20.2% | 14.8% | ||
| Q2 25 | 18.7% | 13.1% | ||
| Q1 25 | 20.3% | 9.6% | ||
| Q4 24 | -2.9% | 10.9% | ||
| Q3 24 | 4.1% | 11.2% | ||
| Q2 24 | 19.2% | 10.5% | ||
| Q1 24 | 19.0% | 6.1% |
| Q4 25 | — | 7.8% | ||
| Q3 25 | 19.4% | 11.6% | ||
| Q2 25 | 15.0% | 10.0% | ||
| Q1 25 | 14.2% | 8.8% | ||
| Q4 24 | — | 82.9% | ||
| Q3 24 | 0.2% | 10.5% | ||
| Q2 24 | 14.2% | 9.7% | ||
| Q1 24 | 13.5% | 10.0% |
| Q4 25 | $1.21 | $0.13 | ||
| Q3 25 | $3.96 | $0.19 | ||
| Q2 25 | $2.94 | $0.16 | ||
| Q1 25 | $2.78 | $0.12 | ||
| Q4 24 | $0.08 | $1.19 | ||
| Q3 24 | $0.05 | $0.15 | ||
| Q2 24 | $2.66 | $0.13 | ||
| Q1 24 | $2.70 | $0.13 |
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 | $1.2B |
| Total DebtLower is stronger | $4.3B | — |
| Stockholders' EquityBook value | $3.3B | $2.7B |
| Total Assets | $22.7B | $4.1B |
| Debt / EquityLower = less leverage | 1.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $1.2B | ||
| Q3 25 | $3.8B | $1.3B | ||
| Q2 25 | $3.8B | $1.3B | ||
| Q1 25 | $4.2B | $1.1B | ||
| Q4 24 | $4.0B | $1.0B | ||
| Q3 24 | $3.5B | $1.0B | ||
| Q2 24 | $4.1B | $1.0B | ||
| Q1 24 | $3.8B | $836.9M |
| 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 | $2.7B | ||
| Q3 25 | $3.3B | $2.8B | ||
| Q2 25 | $3.2B | $2.7B | ||
| Q1 25 | $3.1B | $2.6B | ||
| Q4 24 | $3.1B | $2.6B | ||
| Q3 24 | $3.1B | $2.1B | ||
| Q2 24 | $3.2B | $2.1B | ||
| Q1 24 | $3.0B | $2.0B |
| Q4 25 | $22.7B | $4.1B | ||
| Q3 25 | $21.7B | $4.1B | ||
| Q2 25 | $21.8B | $4.1B | ||
| Q1 25 | $22.4B | $4.1B | ||
| Q4 24 | $22.9B | $3.7B | ||
| Q3 24 | $21.7B | $3.3B | ||
| Q2 24 | $22.1B | $3.3B | ||
| Q1 24 | $22.3B | $3.4B |
| 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 | $33.8M |
| Free Cash FlowOCF − Capex | — | $27.2M |
| FCF MarginFCF / Revenue | — | 5.3% |
| Capex IntensityCapex / Revenue | — | 1.3% |
| Cash ConversionOCF / Net Profit | — | 0.84× |
| TTM Free Cash FlowTrailing 4 quarters | — | $465.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $33.8M | ||
| Q3 25 | $605.0M | $32.0M | ||
| Q2 25 | $526.0M | $269.7M | ||
| Q1 25 | $393.0M | $162.8M | ||
| Q4 24 | $479.0M | $42.2M | ||
| Q3 24 | $456.0M | $23.6M | ||
| Q2 24 | $477.0M | $230.7M | ||
| Q1 24 | $447.0M | $131.7M |
| Q4 25 | — | $27.2M | ||
| Q3 25 | — | $27.8M | ||
| Q2 25 | — | $262.2M | ||
| Q1 25 | — | $148.2M | ||
| Q4 24 | — | $37.6M | ||
| Q3 24 | — | $20.1M | ||
| Q2 24 | — | $227.4M | ||
| Q1 24 | — | $121.9M |
| Q4 25 | — | 5.3% | ||
| Q3 25 | — | 5.6% | ||
| Q2 25 | — | 54.9% | ||
| Q1 25 | — | 33.3% | ||
| Q4 24 | — | 8.6% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 57.0% | ||
| Q1 24 | — | 32.0% |
| Q4 25 | — | 1.3% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 3.3% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 2.6% |
| Q4 25 | — | 0.84× | ||
| Q3 25 | 3.22× | 0.56× | ||
| Q2 25 | 3.78× | 5.62× | ||
| Q1 25 | 2.85× | 4.14× | ||
| Q4 24 | — | 0.12× | ||
| Q3 24 | 228.00× | 0.54× | ||
| Q2 24 | 3.59× | 5.97× | ||
| Q1 24 | 3.34× | 3.47× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
DT
| Subscription And Circulation | $493.4M | 96% |
| Services | $22.1M | 4% |
