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Bread Financial Holdings, Inc. (BFH) vs Credit Acceptance Corporation (CACC)

Bread Financial Holdings, Inc. and Credit Acceptance Corporation are both Credit Services companies. Credit Acceptance Corporation is the larger, with a market value of $5.7B against $3.9B — 1.5× the size. Bread Financial Holdings, Inc. trades at the lower P/E: 7.9× against 11.7×. Credit Acceptance Corporation grew revenue faster over the last twelve months: 2.58% against 0.72%. Credit Acceptance Corporation has the higher net margin (21.5% vs 11.9%) and the higher return on invested capital (10.0% vs 0.00%). Across the 19 metrics below, Bread Financial Holdings, Inc. leads on 11 and Credit Acceptance Corporation on 8.

Valuation

Metric BFH CACC Credit Services median
P/E 7.91 11.75 9.39
P/S 0.86 2.45 0.86
P/B 1.22 3.60 1.16
Price to free cash flow 1.89 4.68 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.64% 8.51% 6.55%
Free cash flow yield 53.03% 21.37% 12.26%

Profitability

Metric BFH CACC Credit Services median
Gross margin 100.00% 100.00% 77.13%
Operating margin 76.34% 50.01% 0.34%
Net margin 11.87% 21.54% 9.25%
Free cash flow margin 45.67% 52.41% 12.91%
Return on equity 17.27% 31.93% 8.49%
Return on assets 2.55% 5.79% 2.16%
Return on invested capital 0.00% 10.02% 4.09%

Growth

Metric BFH CACC Credit Services median
Revenue growth (TTM) 0.72% 2.58% 4.62%
EPS growth (last fiscal year) 98.36% 83.60% 21.94%
Revenue growth, 5-year CAGR 4.34% 6.78% 9.13%
Net income growth, 5-year CAGR 19.34% 0.14% 0.00%

Health

Metric BFH CACC Credit Services median
Debt to equity 0.98 3.96 0.68
Current ratio 1.17 14.89 1.55
Net debt to EBITDA (4.25) 5.10 0.13

Dividend

Metric BFH CACC Credit Services median
Dividend yield 0.90% — 1.64%
Payout ratio 0.07 — 0.22

Size

Metric BFH CACC Credit Services median
Market cap 3.89b 5.71b 751.08m

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