stockrowBread Financial Holdings, Inc. (BFH) vs Credit Acceptance Corporation (CACC)
- Bread Financial Holdings, Inc. BFH 103.14 −1.61%
- Credit Acceptance Corporation CACC 522.64 +4.80%
Bread Financial Holdings, Inc. and Credit Acceptance Corporation are both Credit Services companies. Credit Acceptance Corporation is the larger, with a market value of $5.3B against $3.9B — 1.4× the size. Bread Financial Holdings, Inc. trades at the lower P/E: 8.0× against 16.7×. Bread Financial Holdings, Inc. grew revenue faster over the last twelve months: 2.29% against 1.68%. Credit Acceptance Corporation has the higher net margin (14.4% vs 11.0%) and the higher return on invested capital (7.81% vs 0.00%). Across the 19 metrics below, Bread Financial Holdings, Inc. leads on 12 and Credit Acceptance Corporation on 7.
Valuation
Profitability
| Metric | BFH | CACC | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 100.00% | 76.61% |
| Operating margin | 76.51% | 39.82% | 0.34% |
| Net margin | 10.99% | 14.39% | 8.35% |
| Free cash flow margin | 45.36% | 53.65% | 8.73% |
| Return on equity | 15.58% | 22.72% | 9.05% |
| Return on assets | 2.34% | 3.85% | 1.94% |
| Return on invested capital | 0.00% | 7.81% | 4.56% |
Growth
Health
Dividend
Size
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