BREAD FINANCIAL HOLDINGS, INC. vs MOODY'S CORPORATION, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where BFH and MCO diverge most: on debt / equity, BFH reads 0.00 and MCO reads 2.37; on p/b, BFH reads 1.22 and MCO reads 26.19. The rest of the comparable metrics sit closer together. On valuation, today's BFH price has a different growth bar priced in than MCO (+7.4% implied for BFH vs +24.0% for MCO); 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 | MCO |
|---|---|---|
| Price | $106.42 | $475.09 |
| Market cap | $4.1B | $82.9B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | +7.4% | +24.0% |
| P/E | 8.3 | 30.1 |
| P/B | 1.22 | 26.19 |
| P/S | 0.98 | 10.16 |
| EV/EBITDA | 5.3 | 21.4 |
| Revenue growth | +4.5% | +11.7% |
| Operating margin | — | 47.9% |
| Net margin | 13.6% | 34.3% |
| Return on equity | 16.9% | 88.3% |
| Return on assets | 2.5% | 19.1% |
| Dividend yield | 0.8% | 0.8% |
| Debt / equity | 0.00 | 2.37 |
| Current ratio | — | 1.19 |
| Altman Z (solvency) | 0.43 | 6.98 |
| Piotroski F (quality) | 8 / 9 | 6 / 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.