Bread Financial Holdings, Inc. vs ONEMAIN HOLDINGS, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Neither lender's growth prints here, but the multiples price both as cheap-and-steady: Bread Financial at 8.7 times earnings, OneMain at 9, two consumer-credit books the market values in single digits. OneMain earns the higher return on equity, 23.6% against 16.9%, on far heavier leverage, 6.63 turns against Bread's clean sheet, and pays a 6.9% dividend against 0.8%. Both throw off huge free-cash figures, 45.2% and 47.7%, loan-flow mechanics. Bread nets 13.6% of revenue, OneMain 18.7%. The pair prices private-label card lending against subprime installment lending; OneMain earns more and yields more but carries seven turns of debt, Bread earns less on a spotless sheet, and both trade like the market expects a downturn.
Comparison updated 2026-07-11.
| Metric | BFH | OMF |
|---|---|---|
| Price | $106.19 | $60.45 |
| Market cap | $4.6B | $7.1B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | — | +7.8% |
| P/E | 8.7 | 9.0 |
| P/B | 1.38 | 2.10 |
| P/S | 1.11 | 1.67 |
| EV/EBITDA | 12.2 | 387.2 |
| Revenue growth | +2.5% | +8.8% |
| Net margin | 13.6% | 18.7% |
| Return on equity | 16.9% | 23.6% |
| Return on assets | 2.5% | 3.0% |
| Dividend yield | 0.8% | 6.9% |
| Debt / equity | 0.00 | 6.63 |
| Altman Z (solvency) | 0.43 | 0.48 |
| Piotroski F (quality) | 9 / 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.