Bread Financial Holdings, Inc. (BFH) vs Enova International, Inc. (ENVA)
Bread Financial Holdings, Inc. and Enova International, Inc. are both Credit Services companies. Bread Financial Holdings, Inc. and Enova International, Inc. are of similar size ($4.3B and $3.9B). Bread Financial Holdings, Inc. trades at the lower P/E: 8.0× against 12.1×. Enova International, Inc. grew revenue faster over the last twelve months: 17.7% against 0.72%. Bread Financial Holdings, Inc. has the higher net margin (11.9% vs 10.3%) and the lower return on invested capital (0.00% vs 8.56%). Across the 21 metrics below, Bread Financial Holdings, Inc. leads on 14 and Enova International, Inc. on 7.
Valuation
Profitability
| Metric | BFH | ENVA | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 59.77% | 77.13% |
| Operating margin | 76.34% | 24.02% | 0.34% |
| Net margin | 11.87% | 10.31% | 9.25% |
| Free cash flow margin | 45.67% | 56.67% | 13.03% |
| Return on equity | 17.27% | 26.08% | 8.49% |
| Return on assets | 2.55% | 5.49% | 2.29% |
| Return on invested capital | 0.00% | 8.56% | 4.09% |
Growth
Health
Dividend
Size
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