Bread Financial vs OneMain
BFH and OMF side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BFH and OMF compare
OneMain is the larger company, worth 1.7 times as much as Bread Financial ($6.2B against $3.7B).
On earnings, Bread Financial is cheaper: it trades at 7.7× trailing earnings, against 8.3× for OneMain.
OneMain grew revenue faster over the last twelve months (8.8% versus 5.5% for Bread Financial).
OneMain keeps more of each dollar of sales as profit, with a net margin of 14.7% compared with 13.4% at Bread Financial.
Both pay dividends: Bread Financial yields 0.71% and OneMain 5.8%.
OneMain scores higher on the StockData Score (15 against 12 for Bread Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BFH | OMF |
|---|---|---|
| Size and price | ||
| Market cap | $3.7B | $6.2B |
| Share price | $97.65 | $54.38 |
| Change, 1 year | 53.2% | −9.1% |
| Change, 5 years | 31.3% | 10.2% |
| Beta (5Y) | 1.38 | 1.27 |
| Employees | 6,000 | 9,300 |
| StockData Score | ||
| Total score | 12 | 15 (better) |
| Valuation score | 2 | 3 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 2 | 3 (better) |
| Health score | 4 | 4 |
| Dividend score | 2 | 4 (better) |
| Valuation | ||
| P/E | 7.7× (better) | 8.3× |
| P/S | 0.9× (better) | 1.2× |
| P/B | 1.1× (better) | 1.8× |
| PEG | 0.22 | – |
| Fair value | $93.04 | $54.99 |
| Margin of safety | −5.0% | 1.1% (better) |
| Growth | ||
| Revenue growth (TTM) | 5.5% | 8.8% (better) |
| Revenue growth, 5Y average | 3.1% | 4.9% (better) |
| Net income growth (TTM) | 13.8% (better) | 8.8% |
| EPS growth (TTM) | 29.2% (better) | 11.4% |
| EPS growth, 5Y average | 19.5% (better) | 3.9% |
| Profitability | ||
| Net margin | 13.4% | 14.7% (better) |
| Return on equity | 15.9% | 22.7% (better) |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | 0.40 | 0.46 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 0.71% | 5.8% (better) |
| Payout ratio | 7.3% | 64.4% |
| Years of dividend growth | 1 | 3 (better) |
| Dividend growth, 5Y average | −7.4% | −6.8% (better) |
| Buyback yield | 16.1% (better) | 3.9% |
| Shareholder yield | 16.8% (better) | 9.7% |
| Ownership | ||
| Held by institutions | 103% | 94.6% |
| Held by insiders | 3.9% | 0.56% |
| Insider net buying, 12 months | −$2.3M (better) | −$5.4M |
| Superinvestors holding | 1 | 4 (better) |
| Short interest, % of float | 9.2% | 3.5% |
Go deeper
- BFH stock overview
- BFH income statement
- BFH valuation and score
- OMF stock overview
- OMF income statement
- OMF valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.