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Bread Financial Holdings, Inc. (BFH) vs Enova International, Inc. (ENVA)

Bread Financial Holdings, Inc. and Enova International, Inc. are both Credit Services companies. Enova International, Inc. is the larger, with a market value of $4.4B against $3.9B — 1.1× the size. Bread Financial Holdings, Inc. trades at the lower P/E: 7.9× against 12.4×. 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 20 metrics below, Bread Financial Holdings, Inc. leads on 13 and Enova International, Inc. on 7.

Valuation

Metric BFH ENVA Credit Services median
P/E 7.91 12.45 9.39
P/S 0.86 1.28 0.86
P/B 1.22 2.96 1.16
Price to free cash flow 1.89 2.27 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.64% 8.03% 6.55%
Free cash flow yield 53.03% 44.12% 12.26%

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% 12.91%
Return on equity 17.27% 26.08% 8.49%
Return on assets 2.55% 5.49% 2.16%
Return on invested capital 0.00% 8.56% 4.09%

Growth

Metric BFH ENVA Credit Services median
Revenue growth (TTM) 0.72% 17.65% 4.62%
EPS growth (last fiscal year) 98.36% 55.05% 21.94%
Revenue growth, 5-year CAGR 4.34% 23.80% 9.13%
Net income growth, 5-year CAGR 19.34% (3.98%) 0.00%

Health

Metric BFH ENVA Credit Services median
Debt to equity 0.98 3.35 0.68
Current ratio 1.17 18.42 1.55
Net debt to EBITDA (4.25) 5.13 0.13

Dividend

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

Size

Metric BFH ENVA Credit Services median
Market cap 3.89b 4.42b 751.08m

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