Bread Financial Holdings, Inc. Peer Comparison
Metric | Value | Ranking | ||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap | $3.1 Billion | 8/14 | DFS $49.2B |
IX $22.5B |
ALLY $11.7B |
SLM $6.7B |
SLMBP $6.7B |
FCFS $5.2B |
WU $3.6B |
BFH $3.1B |
ENVA $2.9B |
AGM-A $2.1B |
NAVI $1.5B |
EZPW $771.9M |
OPRT $272.3M |
MFIN $197.0M |
Gross Margin | 100% | 1/14 | BFH 100% |
ALLY 100% |
DFS 100% |
IX 100% |
AGM-A 100% |
OPRT 100% |
MFIN 96% |
NAVI 81% |
SLM 76% |
SLMBP 76% |
EZPW 60% |
FCFS 49% |
WU 37% |
ENVA 5% |
Profit Margin | 0% | 10/14 | AGM-A 46% |
WU 26% |
IX 19% |
DFS 16% |
MFIN 11% |
ALLY 9% |
FCFS 9% |
ENVA 6% |
EZPW 5% |
BFH 0% |
NAVI 0% |
SLM -8% |
SLMBP -8% |
OPRT -12% |
EBITDA margin | 24% | 6/14 | NAVI 61% |
AGM-A 60% |
SLM 50% |
SLMBP 50% |
MFIN 49% |
BFH 24% |
DFS 22% |
WU 20% |
FCFS 18% |
EZPW 13% |
ALLY 10% |
IX 0% |
OPRT 0% |
ENVA -2% |
Quarterly Revenue | $1.3 Billion | 4/14 | DFS $5.9B |
ALLY $4.2B |
IX $3.5B |
BFH $1.3B |
WU $1.0B |
NAVI $948.0M |
FCFS $883.8M |
ENVA $689.9M |
SLM $652.6M |
SLMBP $652.6M |
EZPW $294.6M |
OPRT $250.0M |
AGM-A $91.5M |
MFIN $77.0M |
Quarterly Earnings | $2.0 Million | 10/14 | DFS $965.0M |
IX $673.3M |
ALLY $357.0M |
WU $264.8M |
FCFS $83.5M |
ENVA $43.4M |
AGM-A $42.3M |
EZPW $15.2M |
MFIN $8.6M |
BFH $2.0M |
NAVI -$2.0M |
OPRT -$30.0M |
SLM -$49.8M |
SLMBP -$49.8M |
Quarterly Free Cash Flow | $482.0 Million | 1/14 | BFH $482.0M |
ENVA $420.9M |
WU $184.8M |
OPRT $120.0M |
ALLY $58.0M |
MFIN $27.2M |
DFS -$0 |
FCFS -$0 |
NAVI -$10.0M |
AGM-A -$44.4M |
SLM -$110.8M |
SLMBP -$110.8M |
EZPW -$0 |
IX -$0 |
Trailing 4 Quarters Revenue | $4.7 Billion | 4/14 | DFS $23.2B |
IX $16.9B |
ALLY $12.3B |
BFH $4.7B |
NAVI $4.5B |
WU $4.2B |
FCFS $3.4B |
ENVA $2.5B |
SLM $2.1B |
SLMBP $2.1B |
EZPW $1.2B |
OPRT $1.0B |
AGM-A $600.5M |
MFIN $291.8M |
Trailing 4 Quarters Earnings | $312.0 Million | 7/14 | DFS $5.9B |
ALLY $4.2B |
IX $3.5B |
BFH $1.3B |
WU $1.0B |
NAVI $948.0M |
FCFS $883.8M |
ENVA $689.9M |
SLM $652.6M |
SLMBP $652.6M |
EZPW $294.6M |
OPRT $250.0M |
AGM-A $91.5M |
MFIN $77.0M |
Quarterly Earnings Growth | -99% | 11/14 | WU 55% |
EZPW 48% |
IX 48% |
DFS 41% |
ALLY 21% |
FCFS 20% |
ENVA 5% |
AGM-A -18% |
MFIN -23% |
OPRT -42% |
BFH -99% |
NAVI -103% |
SLM -270% |
SLMBP -270% |
Annual Earnings Growth | -1% | 4/14 | IX 58% |
EZPW 28% |
FCFS 7% |
BFH -1% |
AGM-A -1% |
WU -3% |
ENVA -3% |
DFS -6% |
SLM -21% |
SLMBP -21% |
MFIN -25% |
NAVI -33% |
ALLY -37% |
OPRT -96% |
Quarterly Revenue Growth | 24% | 8/14 | NAVI 125% |
ALLY 92% |
SLM 60% |
SLMBP 60% |
MFIN 57% |
DFS 46% |
ENVA 25% |
BFH 24% |
IX 16% |
EZPW 9% |
FCFS 4% |
AGM-A 2% |
WU -6% |
OPRT -7% |
Annual Revenue Growth | 21% | 9/14 | NAVI 234% |
AGM-A 75% |
OPRT 62% |
MFIN 59% |
DFS 48% |
ALLY 37% |
IX 37% |
ENVA 23% |
BFH 21% |
EZPW 12% |
SLM 6% |
FCFS 6% |
SLMBP 6% |
WU -9% |
Cash On Hand | $3.5 Billion | 4/14 | IX $8.2B |
SLM $4.5B |
SLMBP $4.5B |
BFH $3.5B |
NAVI $2.8B |
WU $1.4B |
AGM-A $842.1M |
FCFS $175.1M |
EZPW $170.5M |
MFIN $120.6M |
OPRT $71.8M |
ENVA $67.5M |
ALLY -$0 |
DFS -$0 |
Short Term Debt | $0 | 9/14 | AGM-A $9.9B |
NAVI $5.3B |
IX $5.2B |
ALLY $1.8B |
WU $945.0M |
EZPW $162.1M |
MFIN $49.0M |
OPRT $19.7M |
BFH -$0 |
SLM -$0 |
DFS -$0 |
FCFS -$0 |
ENVA -$0 |
SLMBP -$0 |
Long Term Debt | $1.0 Billion | 11/14 | NAVI $44.7B |
IX $38.5B |
AGM-A $27.1B |
DFS $18.2B |
ALLY $16.8B |
SLM $6.0B |
SLMBP $6.0B |
ENVA $3.3B |
FCFS $1.8B |
WU $1.6B |
BFH $1.0B |
EZPW $404.9M |
MFIN $232.0M |
OPRT $0 |
PE | 9.94 | 8/14 | FCFS 20.28 |
ENVA 16.09 |
DFS 15.41 |
ALLY 14.47 |
AGM-A 11.12 |
SLM 10.25 |
SLMBP 10.25 |
BFH 9.94 |
EZPW 9.29 |
NAVI 8.02 |
IX 8.00 |
WU 5.26 |
MFIN 4.92 |
OPRT -1.00 |
PS | 0.66 | 11/14 | IX 190.10 |
AGM-A 3.53 |
SLM 3.15 |
SLMBP 3.15 |
DFS 2.12 |
FCFS 1.55 |
ENVA 1.16 |
ALLY 0.95 |
WU 0.84 |
MFIN 0.68 |
BFH 0.66 |
EZPW 0.66 |
NAVI 0.33 |
OPRT 0.27 |
PB | 0.15 | 14/14 | WU 5.44 |
DFS 2.85 |
FCFS 2.55 |
ENVA 1.98 |
EZPW 0.96 |
OPRT 0.83 |
IX 0.81 |
ALLY 0.79 |
AGM-A 0.61 |
NAVI 0.55 |
MFIN 0.46 |
SLM 0.28 |
SLMBP 0.28 |
BFH 0.15 |
PC | 0.90 | 11/14 | ENVA 43.02 |
FCFS 29.97 |
EZPW 4.53 |
OPRT 3.79 |
IX 2.74 |
AGM-A 2.52 |
WU 2.49 |
MFIN 1.63 |
SLM 1.49 |
SLMBP 1.49 |
BFH 0.90 |
NAVI 0.53 |
ALLY -1.00 |
DFS -1.00 |
Liabilities to Equity | 0.33 | 14/14 | NAVI 18.84 |
AGM-A 18.55 |
ALLY 12.11 |
WU 10.76 |
OPRT 8.93 |
DFS 7.78 |
MFIN 6.76 |
IX 3.17 |
ENVA 2.98 |
SLM 2.83 |
SLMBP 2.83 |
FCFS 1.18 |
EZPW 0.86 |
BFH 0.33 |
ROA | 0.01 | 8/14 | WU 9% | FCFS 6% | EZPW 6% | ENVA 4% | SLM 2% | DFS 2% | SLMBP 2% | BFH 1% | MFIN 1% | AGM-A 1% | NAVI 0% | ALLY 0% | IX 0% | OPRT -4% |
ROE | 0.10 | 9/14 | WU 103% |
SLM 31% |
SLMBP 31% |
DFS 18% |
ENVA 15% |
FCFS 13% |
AGM-A 13% |
MFIN 11% |
BFH 10% |
EZPW 10% |
NAVI 7% |
ALLY 5% |
IX 0% |
OPRT -39% |
Current Ratio | 20.88 | 1/14 | BFH 20.88 |
SLM 4.97 |
SLMBP 4.97 |
EZPW 2.17 |
FCFS 1.85 |
ENVA 1.42 |
IX 1.32 |
MFIN 1.18 |
DFS 1.13 |
AGM-A 1.13 |
OPRT 1.11 |
WU 1.09 |
ALLY 1.08 |
NAVI 1.05 |
Quick Ratio | 3.32 | 1/14 | FCFS 20.28 |
ENVA 16.09 |
DFS 15.41 |
ALLY 14.47 |
AGM-A 11.12 |
SLM 10.25 |
SLMBP 10.25 |
BFH 9.94 |
EZPW 9.29 |
NAVI 8.02 |
IX 8.00 |
WU 5.26 |
MFIN 4.92 |
OPRT -1.00 |
Long Term Debt to Equity | 0.33 | 13/14 | AGM-A} 18.55 |
NAVI} 16.59 |
SLM} 2.83 |
SLMBP} 2.83 |
ENVA} 2.79 |
WU} 2.52 |
IX} 1.41 |
ALLY} 1.14 |
DFS} 1.05 |
FCFS} 0.86 |
MFIN} 0.64 |
EZPW} 0.50 |
BFH} 0.33 |
OPRT} 0.00 |
Debt to Equity | 0.33 | 13/14 | NAVI 18.56 |
AGM-A 18.55 |
WU 3.96 |
SLM 2.83 |
SLMBP 2.83 |
ENVA 2.79 |
IX 1.60 |
ALLY 1.26 |
DFS 1.05 |
FCFS 0.86 |
MFIN 0.78 |
EZPW 0.70 |
BFH 0.33 |
OPRT 0.06 |
Burn Rate | 87.06 | 1/14 | BFH 87.06 |
WU 38.39 |
SLM 15.41 |
SLMBP 15.41 |
MFIN 9.33 |
EZPW 4.11 |
IX 2.88 |
OPRT 2.06 |
NAVI 0.90 |
ENVA 0.76 |
AGM-A 0.24 |
ALLY 0.00 |
DFS 0.00 |
FCFS -13.19 |
Cash to Cap | 1.11 | 2/14 | NAVI 1.87 |
BFH 1.11 |
SLM 0.67 |
SLMBP 0.67 |
MFIN 0.61 |
WU 0.40 |
AGM-A 0.40 |
IX 0.36 |
OPRT 0.26 |
EZPW 0.22 |
FCFS 0.03 |
ENVA 0.02 |
ALLY 0.00 |
DFS 0.00 |
CCR | 241.00 | 1/14 | BFH 241.00 |
ENVA 9.69 |
NAVI 5.00 |
MFIN 3.16 |
SLM 2.23 |
SLMBP 2.23 |
WU 0.70 |
ALLY 0.16 |
DFS 0.00 |
FCFS 0.00 |
AGM-A -1.05 |
OPRT -4.00 |
EZPW |
IX |
EV to EBITDA | 2.30 | 11/14 | AGM-A} 516.58 |
NAVI} 83.96 |
ALLY} 69.75 |
DFS} 52.30 |
FCFS} 41.86 |
EZPW} 31.09 |
SLM} 25.37 |
SLMBP} 25.37 |
WU} 22.34 |
MFIN} 9.44 |
BFH} 2.30 |
IX} -1.00 |
OPRT} -1.00 |
ENVA} -538.87 |
EV to Revenue | 0.15 | 12/14 | AGM-A 47.31 |
NAVI 10.85 |
SLM 3.88 |
SLMBP 3.88 |
DFS 2.91 |
ALLY 2.45 |
ENVA 2.44 |
FCFS 2.02 |
MFIN 1.22 |
WU 1.12 |
EZPW 1.01 |
BFH 0.15 |
IX -1.00 |
OPRT -1.00 |