Bread Financial Holdings, Inc. vs TransUnion, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
TransUnion earns 14.3% on equity selling credit data; Bread Financial earns 16.9% lending against store cards, a rare case where the balance-sheet lender out-returns the asset-light data business. TransUnion nets 14.9% of revenue to Bread's 13.6%, near-matched, and trades at 19.5 times earnings against Bread's 8.7, the data business commanding the premium for risk-free recurring revenue. TransUnion carries 1.14 turns of debt, Bread none; both pay small dividends. Bread's 47.7% free-cash figure is loan-flow-flattered against TransUnion's 5.1%. The pair prices a credit bureau against a card lender; the bureau sells the score at a premium multiple, the lender takes the risk at a discount, and the lender's higher return on equity is the quiet surprise.
Comparison updated 2026-07-11.
| Metric | BFH | TRU |
|---|---|---|
| Price | $106.19 | $70.34 |
| Market cap | $4.6B | $13.7B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | — | +23.5% |
| P/E | 8.7 | 19.5 |
| P/B | 1.38 | 2.78 |
| P/S | 1.11 | 2.89 |
| EV/EBITDA | 12.2 | 12.9 |
| Revenue growth | +2.5% | +11.0% |
| Operating margin | — | 19.6% |
| Net margin | 13.6% | 14.9% |
| Return on equity | 16.9% | 14.3% |
| Return on assets | 2.5% | 5.8% |
| Dividend yield | 0.8% | 0.7% |
| Debt / equity | 0.00 | 1.14 |
| Current ratio | — | 1.93 |
| Altman Z (solvency) | 0.43 | 2.07 |
| Piotroski F (quality) | 9 / 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.