Bread Financial Holdings, Inc. vs ORIX CORPORATION, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Bread Financial carries no net debt on this page after deleveraging its card book; Orix carries 1.43 turns as a diversified Japanese financial conglomerate, and the clean sheet belongs to the higher-returning business: Bread earns 16.9% on equity against Orix's 9.8%, nets 13.6% of revenue against 13.4%, a near-tie on margin. Bread trades at 8.7 times earnings, Orix has no usable P/E; Orix pays the bigger dividend, 2.64% against 0.81%, and shows a 21.3% free-cash figure. The pair prices a US private-label card lender against a sprawling Japanese financial holding; Bread is a focused, deleveraged, higher-return business at a single-digit multiple, Orix a diversified value play across leasing, insurance, and investments.
Comparison updated 2026-07-11.
| Metric | BFH | IX |
|---|---|---|
| Price | $106.19 | $38.30 |
| Market cap | $4.6B | $42.9B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | 8.7 | — |
| P/B | 1.38 | 1.41 |
| P/S | 1.11 | 1.93 |
| EV/EBITDA | 12.2 | 13.5 |
| Revenue growth | +2.5% | +7.5% |
| Operating margin | — | 13.7% |
| Net margin | 13.6% | 13.4% |
| Return on equity | 16.9% | 9.8% |
| Return on assets | 2.5% | 2.5% |
| Dividend yield | 0.8% | 2.6% |
| Debt / equity | 0.00 | 1.43 |
| Altman Z (solvency) | 0.43 | 0.83 |
| 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.