vs
Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and Simpson Manufacturing Co., Inc. (SSD). 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 $539.3M, roughly 1.8× Simpson Manufacturing Co., Inc.). On growth, BREAD FINANCIAL HOLDINGS, INC. posted the faster year-over-year revenue change (5.4% vs 4.2%). Over the past eight quarters, Simpson Manufacturing Co., Inc.'s revenue compounded faster (0.8% 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.
Simpson Manufacturing Company is a leading building materials manufacturer in the United States that produces structural connectors, fasteners, anchors, and products for new construction and retrofitting.
BFH vs SSD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $539.3M |
| Net Profit | — | $56.2M |
| Gross Margin | — | 43.4% |
| Operating Margin | 4.9% | 13.9% |
| Net Margin | — | 10.4% |
| Revenue YoY | 5.4% | 4.2% |
| Net Profit YoY | — | 1.4% |
| EPS (diluted) | $1.21 | $1.34 |
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 | $539.3M | ||
| Q3 25 | $971.0M | $623.5M | ||
| Q2 25 | $929.0M | $631.1M | ||
| Q1 25 | $970.0M | $538.9M | ||
| Q4 24 | $925.0M | $517.4M | ||
| Q3 24 | $983.0M | $587.2M | ||
| Q2 24 | $939.0M | $597.0M | ||
| Q1 24 | $991.0M | $530.6M |
| Q4 25 | — | $56.2M | ||
| Q3 25 | $188.0M | $107.4M | ||
| Q2 25 | $139.0M | $103.5M | ||
| Q1 25 | $138.0M | $77.9M | ||
| Q4 24 | — | $55.4M | ||
| Q3 24 | $2.0M | $93.5M | ||
| Q2 24 | $133.0M | $97.8M | ||
| Q1 24 | $134.0M | $75.4M |
| Q4 25 | — | 43.4% | ||
| Q3 25 | — | 46.4% | ||
| Q2 25 | — | 46.7% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 44.0% | ||
| Q3 24 | — | 46.8% | ||
| Q2 24 | — | 46.7% | ||
| Q1 24 | — | 46.1% |
| Q4 25 | 4.9% | 13.9% | ||
| Q3 25 | 20.2% | 22.6% | ||
| Q2 25 | 18.7% | 22.2% | ||
| Q1 25 | 20.3% | 19.0% | ||
| Q4 24 | -2.9% | 14.8% | ||
| Q3 24 | 4.1% | 21.3% | ||
| Q2 24 | 19.2% | 22.1% | ||
| Q1 24 | 19.0% | 18.1% |
| Q4 25 | — | 10.4% | ||
| Q3 25 | 19.4% | 17.2% | ||
| Q2 25 | 15.0% | 16.4% | ||
| Q1 25 | 14.2% | 14.5% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | 0.2% | 15.9% | ||
| Q2 24 | 14.2% | 16.4% | ||
| Q1 24 | 13.5% | 14.2% |
| Q4 25 | $1.21 | $1.34 | ||
| Q3 25 | $3.96 | $2.58 | ||
| Q2 25 | $2.94 | $2.47 | ||
| Q1 25 | $2.78 | $1.85 | ||
| Q4 24 | $0.08 | $1.31 | ||
| Q3 24 | $0.05 | $2.21 | ||
| Q2 24 | $2.66 | $2.31 | ||
| Q1 24 | $2.70 | $1.77 |
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 | $384.1M |
| Total DebtLower is stronger | $4.3B | $300.0M |
| Stockholders' EquityBook value | $3.3B | $2.0B |
| Total Assets | $22.7B | $3.1B |
| Debt / EquityLower = less leverage | 1.29× | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $384.1M | ||
| Q3 25 | $3.8B | $297.3M | ||
| Q2 25 | $3.8B | $190.4M | ||
| Q1 25 | $4.2B | $150.3M | ||
| Q4 24 | $4.0B | $239.4M | ||
| Q3 24 | $3.5B | $339.4M | ||
| Q2 24 | $4.1B | $354.9M | ||
| Q1 24 | $3.8B | $369.1M |
| Q4 25 | $4.3B | $300.0M | ||
| Q3 25 | $3.8B | $371.3M | ||
| Q2 25 | $4.2B | $376.9M | ||
| Q1 25 | $5.1B | $382.5M | ||
| Q4 24 | $5.6B | $388.1M | ||
| Q3 24 | $4.6B | $393.8M | ||
| Q2 24 | — | $399.4M | ||
| Q1 24 | — | $405.0M |
| Q4 25 | $3.3B | $2.0B | ||
| Q3 25 | $3.3B | $2.0B | ||
| Q2 25 | $3.2B | $1.9B | ||
| Q1 25 | $3.1B | $1.9B | ||
| Q4 24 | $3.1B | $1.8B | ||
| Q3 24 | $3.1B | $1.9B | ||
| Q2 24 | $3.2B | $1.8B | ||
| Q1 24 | $3.0B | $1.7B |
| Q4 25 | $22.7B | $3.1B | ||
| Q3 25 | $21.7B | $3.0B | ||
| Q2 25 | $21.8B | $3.0B | ||
| Q1 25 | $22.4B | $2.8B | ||
| Q4 24 | $22.9B | $2.7B | ||
| Q3 24 | $21.7B | $2.9B | ||
| Q2 24 | $22.1B | $2.8B | ||
| Q1 24 | $22.3B | $2.7B |
| Q4 25 | 1.29× | 0.15× | ||
| Q3 25 | 1.14× | 0.19× | ||
| Q2 25 | 1.34× | 0.20× | ||
| Q1 25 | 1.67× | 0.21× | ||
| Q4 24 | 1.82× | 0.21× | ||
| Q3 24 | 1.47× | 0.21× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $155.7M |
| Free Cash FlowOCF − Capex | — | $119.0M |
| FCF MarginFCF / Revenue | — | 22.1% |
| Capex IntensityCapex / Revenue | — | 6.8% |
| Cash ConversionOCF / Net Profit | — | 2.77× |
| TTM Free Cash FlowTrailing 4 quarters | — | $297.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $155.7M | ||
| Q3 25 | $605.0M | $170.2M | ||
| Q2 25 | $526.0M | $125.2M | ||
| Q1 25 | $393.0M | $7.6M | ||
| Q4 24 | $479.0M | $115.8M | ||
| Q3 24 | $456.0M | $103.3M | ||
| Q2 24 | $477.0M | $111.1M | ||
| Q1 24 | $447.0M | $7.9M |
| Q4 25 | — | $119.0M | ||
| Q3 25 | — | $133.9M | ||
| Q2 25 | — | $87.3M | ||
| Q1 25 | — | $-42.6M | ||
| Q4 24 | — | $60.3M | ||
| Q3 24 | — | $58.1M | ||
| Q2 24 | — | $70.9M | ||
| Q1 24 | — | $-31.5M |
| Q4 25 | — | 22.1% | ||
| Q3 25 | — | 21.5% | ||
| Q2 25 | — | 13.8% | ||
| Q1 25 | — | -7.9% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | — | 9.9% | ||
| Q2 24 | — | 11.9% | ||
| Q1 24 | — | -5.9% |
| Q4 25 | — | 6.8% | ||
| Q3 25 | — | 5.8% | ||
| Q2 25 | — | 6.0% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | — | 7.7% | ||
| Q2 24 | — | 6.7% | ||
| Q1 24 | — | 7.4% |
| Q4 25 | — | 2.77× | ||
| Q3 25 | 3.22× | 1.58× | ||
| Q2 25 | 3.78× | 1.21× | ||
| Q1 25 | 2.85× | 0.10× | ||
| Q4 24 | — | 2.09× | ||
| Q3 24 | 228.00× | 1.10× | ||
| Q2 24 | 3.59× | 1.14× | ||
| Q1 24 | 3.34× | 0.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
SSD
| Wood Construction | $352.0M | 65% |
| Other | $122.4M | 23% |
| Concrete Construction | $64.6M | 12% |
| Other Products | $318.0K | 0% |
