BREAD FINANCIAL HOLDINGS, INC. vs NELNET, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where BFH and NNI diverge most: on debt / equity, BFH reads 0.00 and NNI reads 2.06; on ev/ebitda, BFH reads 6.0 and NNI reads 139.4. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | BFH | NNI |
|---|---|---|
| Price | $107.89 | $135.76 |
| Market cap | $4.1B | $4.9B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| Implied growth (priced in) | +7.2% | — |
| P/E | 8.4 | 11.8 |
| P/B | 1.23 | 1.31 |
| P/S | 0.99 | 13.12 |
| EV/EBITDA | 6.0 | 139.4 |
| Revenue growth | +4.5% | +23.6% |
| Net margin | 13.6% | 111.7% |
| Return on equity | 16.9% | 11.2% |
| Return on assets | 2.5% | 2.9% |
| Dividend yield | 0.8% | 0.4% |
| Debt / equity | 0.00 | 2.06 |
| Altman Z (solvency) | 0.43 | 0.67 |
| Piotroski F (quality) | 8 / 9 | 8 / 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.