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Bread Financial Holdings, Inc. (BFH) vs Upstart Holdings, Inc. (UPST)

Bread Financial Holdings, Inc. and Upstart Holdings, 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. Bread Financial Holdings, Inc. trades at the lower P/E: 8.0× against 38.2×. Upstart Holdings, Inc. grew revenue faster over the last twelve months: 8.73% against 2.29%. Bread Financial Holdings, Inc. has the higher net margin (11.0% vs 4.82%) and the lower return on invested capital (0.00% vs 1.53%). Across the 19 metrics below, Bread Financial Holdings, Inc. leads on 14 and Upstart Holdings, Inc. on 5.

Valuation

Metric BFH UPST Credit Services median
P/E 7.99 38.16 8.96
P/S 0.83 1.86 1.00
P/B 1.15 2.68 1.23
Price to free cash flow 1.82 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.52% 2.62% 7.17%
Free cash flow yield 54.96% (5.99%) 11.75%

Profitability

Metric BFH UPST Credit Services median
Gross margin 100.00% 82.26% 76.61%
Operating margin 76.51% 3.24% 0.34%
Net margin 10.99% 4.82% 8.35%
Free cash flow margin 45.36% (11.15%) 8.73%
Return on equity 15.58% 7.20% 9.05%
Return on assets 2.34% 1.89% 1.94%
Return on invested capital 0.00% 1.53% 4.56%

Growth

Metric BFH UPST Credit Services median
Revenue growth (TTM) 2.29% 8.73% 4.49%
EPS growth (last fiscal year) 98.36% 131.25% 21.94%
Revenue growth, 5-year CAGR 4.34% 34.93% 9.22%
Net income growth, 5-year CAGR 19.34% 55.04% 0.00%

Health

Metric BFH UPST Credit Services median
Debt to equity 0.91 2.29 0.69
Current ratio 1.16 0.55 1.26
Net debt to EBITDA (4.25) 10.83 0.11

Dividend

Metric BFH UPST Credit Services median
Dividend yield 0.89% — 1.64%
Payout ratio 0.07 — 0.21

Size

Metric BFH UPST Credit Services median
Market cap 3.89b 2.19b 759.73m

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