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 2.19; on p/b, BFH reads 1.15 and MCO reads 25.59. The rest of the comparable metrics sit closer together. On valuation, today's BFH price has a different growth bar priced in than MCO (+4.1% implied for BFH vs +21.7% 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 | $100.66 | $464.31 |
| Market cap | $3.9B | $81.0B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | +4.1% | +21.7% |
| P/E | 7.8 | 29.5 |
| P/B | 1.15 | 25.59 |
| P/S | 0.92 | 9.93 |
| EV/EBITDA | 2.4 | 20.8 |
| 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 | 2.19 |
| Current ratio | — | 1.19 |
| Altman Z (solvency) | 0.42 | 6.88 |
| 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.