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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and SS&C Technologies Holdings Inc (SSNC). Click either name above to swap in a different company.
SS&C Technologies Holdings Inc is the larger business by last-quarter revenue ($1.6B vs $975.0M, roughly 1.7× BREAD FINANCIAL HOLDINGS, INC.). On growth, SS&C Technologies Holdings Inc posted the faster year-over-year revenue change (8.8% vs 5.4%). Over the past eight quarters, SS&C Technologies Holdings Inc's revenue compounded faster (6.5% 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.
SS&C Technologies Holdings, Inc. is an American multinational holding company headquartered in Windsor, Connecticut, that sells software and software as a service to the financial services industry. The company has offices in the Americas, Europe, Asia, Africa and Australia.
BFH vs SSNC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $1.6B |
| Net Profit | — | $226.1M |
| Gross Margin | — | 48.7% |
| Operating Margin | 4.9% | 24.2% |
| Net Margin | — | 13.7% |
| Revenue YoY | 5.4% | 8.8% |
| Net Profit YoY | — | 6.2% |
| EPS (diluted) | $1.21 | $0.91 |
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.
| Q1 26 | — | $1.6B | ||
| Q4 25 | $975.0M | $1.7B | ||
| Q3 25 | $971.0M | $1.6B | ||
| Q2 25 | $929.0M | $1.5B | ||
| Q1 25 | $970.0M | $1.5B | ||
| Q4 24 | $925.0M | $1.5B | ||
| Q3 24 | $983.0M | $1.5B | ||
| Q2 24 | $939.0M | $1.5B |
| Q1 26 | — | $226.1M | ||
| Q4 25 | — | $193.1M | ||
| Q3 25 | $188.0M | $210.0M | ||
| Q2 25 | $139.0M | $180.8M | ||
| Q1 25 | $138.0M | $213.0M | ||
| Q4 24 | — | $248.2M | ||
| Q3 24 | $2.0M | $164.4M | ||
| Q2 24 | $133.0M | $190.3M |
| Q1 26 | — | 48.7% | ||
| Q4 25 | — | 47.8% | ||
| Q3 25 | — | 47.7% | ||
| Q2 25 | — | 48.0% | ||
| Q1 25 | — | 49.3% | ||
| Q4 24 | — | 49.3% | ||
| Q3 24 | — | 48.0% | ||
| Q2 24 | — | 48.1% |
| Q1 26 | — | 24.2% | ||
| Q4 25 | 4.9% | 22.3% | ||
| Q3 25 | 20.2% | 23.3% | ||
| Q2 25 | 18.7% | 22.4% | ||
| Q1 25 | 20.3% | 23.6% | ||
| Q4 24 | -2.9% | 23.4% | ||
| Q3 24 | 4.1% | 22.2% | ||
| Q2 24 | 19.2% | 22.6% |
| Q1 26 | — | 13.7% | ||
| Q4 25 | — | 11.7% | ||
| Q3 25 | 19.4% | 13.4% | ||
| Q2 25 | 15.0% | 11.8% | ||
| Q1 25 | 14.2% | 14.1% | ||
| Q4 24 | — | 16.2% | ||
| Q3 24 | 0.2% | 11.2% | ||
| Q2 24 | 14.2% | 13.1% |
| Q1 26 | — | $0.91 | ||
| Q4 25 | $1.21 | $0.76 | ||
| Q3 25 | $3.96 | $0.83 | ||
| Q2 25 | $2.94 | $0.72 | ||
| Q1 25 | $2.78 | $0.84 | ||
| Q4 24 | $0.08 | $0.98 | ||
| Q3 24 | $0.05 | $0.65 | ||
| Q2 24 | $2.66 | $0.75 |
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 | $420.9M |
| Total DebtLower is stronger | $4.3B | $7.4B |
| Stockholders' EquityBook value | $3.3B | $6.9B |
| Total Assets | $22.7B | $20.3B |
| Debt / EquityLower = less leverage | 1.29× | 1.08× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $420.9M | ||
| Q4 25 | $3.6B | $462.1M | ||
| Q3 25 | $3.8B | $388.3M | ||
| Q2 25 | $3.8B | $480.3M | ||
| Q1 25 | $4.2B | $515.0M | ||
| Q4 24 | $4.0B | $567.1M | ||
| Q3 24 | $3.5B | $694.7M | ||
| Q2 24 | $4.1B | $462.7M |
| Q1 26 | — | $7.4B | ||
| 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 26 | — | $6.9B | ||
| Q4 25 | $3.3B | $6.9B | ||
| Q3 25 | $3.3B | $6.9B | ||
| Q2 25 | $3.2B | $6.9B | ||
| Q1 25 | $3.1B | $6.8B | ||
| Q4 24 | $3.1B | $6.5B | ||
| Q3 24 | $3.1B | $6.8B | ||
| Q2 24 | $3.2B | $6.4B |
| Q1 26 | — | $20.3B | ||
| Q4 25 | $22.7B | $20.7B | ||
| Q3 25 | $21.7B | $19.5B | ||
| Q2 25 | $21.8B | $19.0B | ||
| Q1 25 | $22.4B | $20.4B | ||
| Q4 24 | $22.9B | $19.0B | ||
| Q3 24 | $21.7B | $18.4B | ||
| Q2 24 | $22.1B | $16.9B |
| Q1 26 | — | 1.08× | ||
| 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 | — | — |
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 | $299.7M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | 1.33× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $299.7M | ||
| Q4 25 | $568.0M | $643.5M | ||
| Q3 25 | $605.0M | $456.2M | ||
| Q2 25 | $526.0M | $372.9M | ||
| Q1 25 | $393.0M | $272.2M | ||
| Q4 24 | $479.0M | $486.6M | ||
| Q3 24 | $456.0M | $336.6M | ||
| Q2 24 | $477.0M | $384.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | $633.0M | ||
| Q3 25 | — | $421.5M | ||
| Q2 25 | — | $350.0M | ||
| Q1 25 | — | $259.5M | ||
| Q4 24 | — | $466.9M | ||
| Q3 24 | — | $310.7M | ||
| Q2 24 | — | $374.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | 38.3% | ||
| Q3 25 | — | 26.9% | ||
| Q2 25 | — | 22.8% | ||
| Q1 25 | — | 17.1% | ||
| Q4 24 | — | 30.5% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 25.8% |
| Q1 26 | — | 0.0% | ||
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 0.7% |
| Q1 26 | — | 1.33× | ||
| Q4 25 | — | 3.33× | ||
| Q3 25 | 3.22× | 2.17× | ||
| Q2 25 | 3.78× | 2.06× | ||
| Q1 25 | 2.85× | 1.28× | ||
| Q4 24 | — | 1.96× | ||
| Q3 24 | 228.00× | 2.05× | ||
| Q2 24 | 3.59× | 2.02× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
SSNC
| Technology-enabled services | $1.4B | 85% |
| License, maintenance and related | $239.8M | 15% |
