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 revenue growth, BFH reads +2.5% and ENVA reads +17.6%. 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 ENVA's price implies is a bet that sits within the historical range (whole-company basis). The bull and bear cases for each are in their full reports below.
| Metric | BFH | ENVA |
|---|---|---|
| Price | $104.32 | $237.06 |
| Market cap | $4.5B | $6.2B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| Implied growth (priced in) | — | +5.7% |
| P/E | 8.5 | 17.6 |
| P/B | 1.36 | 4.16 |
| P/S | 1.09 | 1.81 |
| EV/EBITDA | 11.2 | 12.8 |
| Revenue growth | +2.5% | +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% | 1.6% |
| Debt / equity | 0.00 | 3.35 |
| Altman Z (solvency) | 0.43 | 1.67 |
| Piotroski F (quality) | 9 / 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.