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Bread Financial Holdings, Inc. (BFH) vs Encore Capital Group Inc (ECPG)

Bread Financial Holdings, Inc. and Encore Capital Group Inc are both Credit Services companies. Bread Financial Holdings, Inc. is the larger, with a market value of $3.9B against $2.2B — 1.8× the size. Encore Capital Group Inc trades at the lower P/E: 7.5× against 7.9×. Encore Capital Group Inc grew revenue faster over the last twelve months: 29.6% against 0.72%. Encore Capital Group Inc has the higher net margin (15.9% vs 11.9%) and the higher return on invested capital (4.83% vs 0.00%). Across the 19 metrics below, Bread Financial Holdings, Inc. leads on 11 and Encore Capital Group Inc on 8.

Valuation

Metric BFH ECPG Credit Services median
P/E 7.91 7.48 9.39
P/S 0.86 1.15 0.86
P/B 1.22 2.03 1.16
Price to free cash flow 1.89 13.46 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.64% 13.37% 6.55%
Free cash flow yield 53.03% 7.43% 12.26%

Profitability

Metric BFH ECPG Credit Services median
Gross margin 100.00% 100.00% 77.13%
Operating margin 76.34% 0.00% 0.34%
Net margin 11.87% 15.86% 9.25%
Free cash flow margin 45.67% 8.56% 12.91%
Return on equity 17.27% 30.54% 8.49%
Return on assets 2.55% 5.61% 2.16%
Return on invested capital 0.00% 4.83% 4.09%

Growth

Metric BFH ECPG Credit Services median
Revenue growth (TTM) 0.72% 29.55% 4.62%
EPS growth (last fiscal year) 98.36% 287.14% 21.94%
Revenue growth, 5-year CAGR 4.34% 3.33% 9.13%
Net income growth, 5-year CAGR 19.34% 3.93% 0.00%

Health

Metric BFH ECPG Credit Services median
Debt to equity 0.98 3.87 0.68
Current ratio 1.17 0.96 1.55
Net debt to EBITDA (4.25) 0.00 0.13

Dividend

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

Size

Metric BFH ECPG Credit Services median
Market cap 3.89b 2.18b 751.08m

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