BREAD FINANCIAL HOLDINGS, INC. vs Enova International, Inc., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where BFH and ENVA diverge most: on debt / equity, BFH reads 0.00 and ENVA reads 3.35; on implied growth (priced in), BFH reads +7.4% and ENVA reads +0.2%. The rest of the comparable metrics sit closer together. On valuation, today's BFH price has a different growth bar priced in than ENVA (+7.4% implied for BFH vs +0.2% for ENVA); the higher figure is the steeper assumption to clear, not a better or worse stock. The bull and bear cases for each are in their full reports below.
| Metric | BFH | ENVA |
|---|---|---|
| Price | $106.42 | $222.94 |
| Market cap | $4.1B | $5.6B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| Implied growth (priced in) | +7.4% | +0.2% |
| P/E | 8.3 | 16.6 |
| P/B | 1.22 | 3.71 |
| P/S | 0.98 | 1.61 |
| EV/EBITDA | 5.3 | 12.1 |
| Revenue growth | +4.5% | +17.6% |
| Gross margin | — | 61.1% |
| Operating margin | — | 25.5% |
| Net margin | 13.6% | 10.3% |
| Return on equity | 16.9% | 23.7% |
| Return on assets | 2.5% | 4.9% |
| Dividend yield | 0.8% | 1.7% |
| Debt / equity | 0.00 | 3.35 |
| Altman Z (solvency) | 0.43 | 1.59 |
| Piotroski F (quality) | 8 / 9 | 9 / 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.