Bread Financial vs PicS
BFH and PICS 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 PICS compare
PicS grew revenue faster over the last twelve months (84.5% versus 5.5% for Bread Financial).
Bread Financial keeps more of each dollar of sales as profit, with a net margin of 13.4% compared with −10.6% at PicS.
Bread Financial pays a dividend yielding 0.70%; PicS does not pay one.
Bread Financial scores higher on the StockData Score (12 against 1 for PicS), 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 | PICS |
|---|---|---|
| Size and price | ||
| Market cap | $3.7B | – |
| Share price | $97.91 | $7.42 |
| Change, 1 year | 54.3% | – |
| Change, 5 years | 31.7% | – |
| Beta (5Y) | 1.38 | – |
| Employees | 6,000 | 4,629 |
| StockData Score | ||
| Total score | 12 (better) | 1 |
| Valuation score | 2 (better) | 0 |
| Growth score | 2 (better) | 1 |
| Performance score | 2 (better) | 0 |
| Health score | 4 (better) | 0 |
| Dividend score | 2 (better) | 0 |
| Valuation | ||
| P/E | 7.7× | – |
| P/S | 0.9× | – |
| P/B | 1.1× | – |
| PEG | 0.22 | – |
| Fair value | $94.47 | – |
| Margin of safety | −3.6% | – |
| Growth | ||
| Revenue growth (TTM) | 5.5% | 84.5% (better) |
| Revenue growth, 5Y average | 3.1% | – |
| Net income growth (TTM) | 13.8% | – |
| EPS growth (TTM) | 29.2% | 402% (better) |
| EPS growth, 5Y average | 19.5% | – |
| Profitability | ||
| Operating margin | – | 0.35% |
| Net margin | 13.4% (better) | −10.6% |
| FCF margin | – | −37.0% |
| Return on equity | 15.9% | – |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Interest coverage | – | 0.0× |
| Altman Z-score | 0.40 | – |
| Piotroski F-score | 7 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | 0.70% | – |
| Payout ratio | 7.3% | – |
| Years of dividend growth | 1 | – |
| Dividend growth, 5Y average | −7.4% | – |
| Buyback yield | 16.0% | – |
| Shareholder yield | 16.7% | – |
| Ownership | ||
| Held by institutions | 103% | 11.1% |
| Held by insiders | 3.9% | 95.8% |
| Insider net buying, 12 months | −$2.1M | $4.0M (better) |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 9.2% | – |
Go deeper
- BFH stock overview
- BFH income statement
- BFH valuation and score
- PICS stock overview
- PICS income statement
- PICS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.