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Screener Weekly Summary Pricing

Bread Financial Holdings, Inc. (BFH) vs SLM Corporation (SLM)

Bread Financial Holdings, Inc. and SLM Corporation are both Credit Services companies. SLM Corporation is the larger, with a market value of $4.3B against $3.9B — 1.1× the size. SLM Corporation trades at the lower P/E: 6.5× against 8.0×. SLM Corporation grew revenue faster over the last twelve months: 5.37% against 0.72%. SLM Corporation has the higher net margin (23.5% vs 11.9%) and the higher return on invested capital (17.8% vs 0.00%). Both pay a dividend; Bread Financial Holdings, Inc. yields more (2.42% vs 2.30%). Across the 21 metrics below, Bread Financial Holdings, Inc. leads on 13 and SLM Corporation on 8.

Valuation

Metric BFH SLM Credit Services median
P/E 7.97 6.52 9.64
P/S 0.87 1.45 0.87
P/B 1.22 2.01 1.16
Price to free cash flow 1.90 n/m 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales (2.67) 1.78 2.32
Earnings yield 12.55% 15.34% 6.72%
Free cash flow yield 52.66% (7.28%) 12.33%

Profitability

Metric BFH SLM Credit Services median
Gross margin 100.00% 63.91% 77.13%
Operating margin 76.34% 0.00% 0.34%
Net margin 11.87% 23.48% 9.25%
Free cash flow margin 45.67% (10.58%) 13.03%
Return on equity 17.27% 33.15% 8.49%
Return on assets 2.55% 2.48% 2.29%
Return on invested capital 0.00% 17.76% 4.09%

Growth

Metric BFH SLM Credit Services median
Revenue growth (TTM) 0.72% 5.37% 4.62%
EPS growth (last fiscal year) 98.36% 29.10% —
Revenue growth, 5-year CAGR 4.34% 5.73% 9.13%
Net income growth, 5-year CAGR 19.34% (3.49%) 0.00%

Health

Metric BFH SLM Credit Services median
Debt to equity 0.98 2.36 0.68
Current ratio 1.17 1.33 1.55
Net debt to EBITDA (4.25) 0.00 0.13

Dividend

Metric BFH SLM Credit Services median
Dividend yield 2.42% 2.30% 3.34%
Payout ratio 0.08 0.28 0.00

Size

Metric BFH SLM Credit Services median
Market cap 3.90b 4.33b 872.19m

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