Bread Financial Holdings, Inc. vs CREDIT ACCEPTANCE CORP, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where BFH and CACC diverge most: on debt / equity, BFH reads 0.00 and CACC reads 3.37; on ev/ebitda, BFH reads 11.2 and CACC reads 16243.1. The rest of the comparable metrics sit closer together. What BFH's price implies is a bet that sits within the historical range (whole-company basis). What CACC's price implies is a demanding bet versus history and the cohort (whole-company basis). The bull and bear cases for each are in their full reports below.
| Metric | BFH | CACC |
|---|---|---|
| Price | $104.32 | $574.72 |
| Market cap | $4.5B | $6.3B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | 8.5 | 14.3 |
| P/B | 1.36 | 4.16 |
| P/S | 1.09 | 2.71 |
| EV/EBITDA | 11.2 | 16243.1 |
| Revenue growth | +2.5% | +4.6% |
| Net margin | 13.6% | 19.5% |
| Return on equity | 16.9% | 29.9% |
| Return on assets | 2.5% | 5.2% |
| Dividend yield | 0.8% | — |
| Debt / equity | 0.00 | 3.37 |
| Altman Z (solvency) | 0.43 | 0.97 |
| Piotroski F (quality) | 9 / 9 | 7 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.