BREAD FINANCIAL HOLDINGS, INC. vs Happen, Inc., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where BFH and LC diverge most: on revenue growth, BFH reads +4.5% and LC reads +19.1%; on p/s, BFH reads 0.98 and LC reads 2.15. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | BFH | LC |
|---|---|---|
| Price | $106.42 | $19.20 |
| Market cap | $4.1B | $2.3B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| Implied growth (priced in) | +7.4% | — |
| P/E | 8.3 | 11.5 |
| P/B | 1.22 | 1.44 |
| P/S | 0.98 | 2.15 |
| EV/EBITDA | 5.3 | — |
| Revenue growth | +4.5% | +19.1% |
| Net margin | 13.6% | 18.7% |
| Return on equity | 16.9% | 12.5% |
| Return on assets | 2.5% | 1.6% |
| Dividend yield | 0.8% | — |
| Debt / equity | 0.00 | 0.00 |
| Altman Z (solvency) | 0.43 | 0.20 |
| Piotroski F (quality) | 8 / 9 | 5 / 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.