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

Bread Financial Holdings, Inc. and SLM Corporation are both Credit Services companies. Bread Financial Holdings, Inc. is the larger, with a market value of $3.9B against $3.2B — 1.2× the size. SLM Corporation trades at the lower P/E: 6.3× against 8.0×. Bread Financial Holdings, Inc. grew revenue faster over the last twelve months: 2.29% against −5.69%. SLM Corporation has the higher net margin (19.1% vs 11.0%) and the higher return on invested capital (8.72% vs 0.00%). Both pay a dividend; SLM Corporation yields more (2.96% vs 0.89%). Across the 20 metrics below, Bread Financial Holdings, Inc. leads on 12 and SLM Corporation on 8.

Valuation

Metric BFH SLM Credit Services median
P/E 7.99 6.27 8.96
P/S 0.83 1.13 1.00
P/B 1.15 1.63 1.23
Price to free cash flow 1.82 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.52% 15.95% 7.17%
Free cash flow yield 54.96% (11.71%) 11.75%

Profitability

Metric BFH SLM Credit Services median
Gross margin 100.00% 61.95% 76.61%
Operating margin 76.51% 0.00% 0.34%
Net margin 10.99% 19.12% 8.35%
Free cash flow margin 45.36% (13.20%) 8.73%
Return on equity 15.58% 27.00% 9.05%
Return on assets 2.34% 1.86% 1.94%
Return on invested capital 0.00% 8.72% 4.56%

Growth

Metric BFH SLM Credit Services median
Revenue growth (TTM) 2.29% (5.69%) 4.49%
EPS growth (last fiscal year) 98.36% 29.10% 21.94%
Revenue growth, 5-year CAGR 4.34% 5.73% 9.22%
Net income growth, 5-year CAGR 19.34% (3.49%) 0.00%

Health

Metric BFH SLM Credit Services median
Debt to equity 0.91 2.45 0.69
Current ratio 1.16 1.23 1.26
Net debt to EBITDA (4.25) 0.00 0.11

Dividend

Metric BFH SLM Credit Services median
Dividend yield 0.89% 2.96% 1.64%
Payout ratio 0.07 0.19 0.21

Size

Metric BFH SLM Credit Services median
Market cap 3.89b 3.20b 759.73m

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