Compare $ATLC vs $BFH | Chartloom

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$ATLC vs $BFH

Atlanticus Holdings Corp · Bread Financial Holdings Inc

ATLC

Atlanticus Holdings Corp

BFH

Bread Financial Holdings Inc

Compare $ATLC vs $BFH

Comparing Atlanticus Holdings Corp and Bread Financial Holdings Inc

ATLCAtlanticus Holdings Corp

BFHBread Financial Holdings Inc

ATLCAtlanticus Holdings Corp

Market cap

$1.42B

P/E (TTM)

12.41x

Forward P/E (NTM)

8.33x

Forward P/S (NTM)

0.43x

Rev growth (TTM)

79.0%

YTD performance

41.3%

52W performance

69.3%

FCF yield

66.1%

BFHBread Financial Holdings Inc

Market cap

$3.86B

P/E (TTM)

7.25x

Forward P/E (NTM)

7.96x

Forward P/S (NTM)

0.94x

Rev growth (TTM)

-0.2%

YTD performance

33.6%

52W performance

82.8%

FCF yield

56.2%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

ATLC

BFH

Detailed metrics comparison

ATLC

Atlanticus Holdings Corp

BFH

Bread Financial Holdings Inc

Market Cap

ATLC$1.42B

BFH$3.86B

Enterprise Value

ATLC$7.13B

BFH$18.20B

Price

ATLC$93.73

BFH$100.58

P/E Ratio

ATLC12.41x

BFH7.25x

P/S Ratio

ATLC1.20x

BFH0.85x

EV/Sales

ATLC6.03x

BFH4.02x

EV/EBITDA

ATLC32.38x

BFH11.10x

P/B Ratio

ATLC1.88x

BFH1.12x

P/FCF Ratio

ATLC1.51x

BFH1.78x

EV/FCF

ATLC7.62x

BFH8.39x

PEG Ratio

ATLC0.33x

BFH0.06x

Forward P/E (NTM)

ATLC8.33x

BFH7.96x

Forward P/S (NTM)

ATLC0.43x

BFH0.94x

Revenue (TTM)

ATLC$1.18B

BFH$4.53B

Revenue Growth (YoY)

ATLC79.0%

BFH-0.2%

Forward Rev Growth

ATLC12.9%

BFH4.0%

Gross Margin (TTM)

ATLC45.6%

BFH92.9%

Operating Margin (TTM)

ATLC17.2%

BFH15.1%

EBITDA Margin (TTM)

ATLC18.6%

BFH35.6%

Net Margin (TTM)

ATLC12.2%

BFH12.5%

FCF Margin (TTM)

ATLC79.1%

BFH47.9%

Net Income (TTM)

ATLC$145M

BFH$565M

FCF (TTM)

ATLC$936M

BFH$2.17B

EPS (TTM)

ATLC$7.55

BFH$13.88

ROE (TTM)

ATLC22.8%

BFH17.1%

ROA (TTM)

ATLC2.1%

BFH2.5%

ROIC (TTM)

ATLC2.2%

BFH2.7%

Cash

ATLC$555M

BFH$3.68B

Debt

ATLC$6.27B

BFH$18.02B

Net Cash/Debt

ATLC$-5.72B

BFH$-14.33B

Current Ratio (TTM)

ATLC1.27x

BFH1.36x

Quick Ratio (TTM)

ATLC1.15x

BFH1.36x

Debt/Equity (TTM)

ATLC8.45x

BFH5.35x

Debt/Assets (TTM)

ATLC0.0%

BFH0.0%

Interest Coverage (TTM)

ATLCN/A

BFHN/A

Net Debt/EBITDA (TTM)

ATLC0.00x

BFH0.00x

Beta

ATLC1.79

BFH1.30

52W Performance

ATLC69.3%

BFH82.8%

YTD Performance

ATLC41.3%

BFH33.6%

% from 52W High

ATLC-18.0%

BFH-12.2%

% from 52W Low

ATLC97.3%

BFH86.8%

Asset Turnover (TTM)

ATLC0.16x

BFH0.20x

FCF Yield (TTM)

ATLC66.1%

BFH56.2%

Earnings Yield (TTM)

ATLC10.2%

BFH14.6%

Dividend Yield (TTM)

ATLC0.7%

BFH1.2%

Rule of 40

ATLC158.2

BFH47.7

EV/GP/RG

ATLC0.07

BFH1.07

Ticker research

View ATLC research View BFH research

Metric	ATLC Atlanticus Holdings Corp	BFH Bread Financial Holdings Inc
Market & Valuation
Market Cap	$1.42B	$3.86B
Enterprise Value	$7.13B	$18.20B
Price	$93.73	$100.58
P/E Ratio	12.41x	7.25x
P/S Ratio	1.20x	0.85x
EV/Sales	6.03x	4.02x
EV/EBITDA	32.38x	11.10x
P/B Ratio	1.88x	1.12x
P/FCF Ratio	1.51x	1.78x
EV/FCF	7.62x	8.39x
PEG Ratio	0.33x	0.06x
Forward P/E (NTM)	8.33x	7.96x
Forward P/S (NTM)	0.43x	0.94x
Revenue & Growth
Revenue (TTM)	$1.18B	$4.53B
Revenue Growth (YoY)	79.0%	-0.2%
Forward Rev Growth	12.9%	4.0%
Profitability
Gross Margin (TTM)	45.6%	92.9%
Operating Margin (TTM)	17.2%	15.1%
EBITDA Margin (TTM)	18.6%	35.6%
Net Margin (TTM)	12.2%	12.5%
FCF Margin (TTM)	79.1%	47.9%
Net Income (TTM)	$145M	$565M
FCF (TTM)	$936M	$2.17B
EPS (TTM)	$7.55	$13.88
ROE (TTM)	22.8%	17.1%
ROA (TTM)	2.1%	2.5%
ROIC (TTM)	2.2%	2.7%
Financial Health
Cash	$555M	$3.68B
Debt	$6.27B	$18.02B
Net Cash/Debt	$-5.72B	$-14.33B
Current Ratio (TTM)	1.27x	1.36x
Quick Ratio (TTM)	1.15x	1.36x
Debt/Equity (TTM)	8.45x	5.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.79	1.30
52W Performance	69.3%	82.8%
YTD Performance	41.3%	33.6%
% from 52W High	-18.0%	-12.2%
% from 52W Low	97.3%	86.8%
Efficiency & Yields
Asset Turnover (TTM)	0.16x	0.20x
FCF Yield (TTM)	66.1%	56.2%
Earnings Yield (TTM)	10.2%	14.6%
Dividend Yield (TTM)	0.7%	1.2%
Other
Rule of 40	158.2	47.7
EV/GP/RG	0.07	1.07
Ticker research	View ATLC research	View BFH research

Valuation

P/E Ratio

BFH

7.25x

ATLC

12.41x

P/S Ratio

BFH

0.85x

ATLC

1.20x

EV/FCF

ATLC

7.62x

BFH

8.39x

Growth & revenue

Revenue Growth TTM

ATLC

79.0%

BFH

-0.2%

Forward Revenue Growth

ATLC

12.9%

BFH

4.0%

Profitability & performance

Gross Margin

BFH

92.9%

ATLC

45.6%

ROE

ATLC

22.8%

BFH

17.1%

FCF Yield %

ATLC

66.1%

BFH

56.2%

52-Week Performance

BFH

82.8%

ATLC

69.3%

Detailed metrics comparison

ATLC

Atlanticus Holdings Corp

BFH

Bread Financial Holdings Inc

Market Cap

ATLC$1.42B

BFH$3.86B

Enterprise Value

ATLC$7.13B

BFH$18.20B

Price

ATLC$93.73

BFH$100.58

P/E Ratio

ATLC12.41x

BFH7.25x

P/S Ratio

ATLC1.20x

BFH0.85x

EV/Sales

ATLC6.03x

BFH4.02x

EV/EBITDA

ATLC32.38x

BFH11.10x

P/B Ratio

ATLC1.88x

BFH1.12x

P/FCF Ratio

ATLC1.51x

BFH1.78x

EV/FCF

ATLC7.62x

BFH8.39x

PEG Ratio

ATLC0.33x

BFH0.06x

Forward P/E (NTM)

ATLC8.33x

BFH7.96x

Forward P/S (NTM)

ATLC0.43x

BFH0.94x

Revenue (TTM)

ATLC$1.18B

BFH$4.53B

Revenue Growth (YoY)

ATLC79.0%

BFH-0.2%

Forward Rev Growth

ATLC12.9%

BFH4.0%

Gross Margin (TTM)

ATLC45.6%

BFH92.9%

Operating Margin (TTM)

ATLC17.2%

BFH15.1%

EBITDA Margin (TTM)

ATLC18.6%

BFH35.6%

Net Margin (TTM)

ATLC12.2%

BFH12.5%

FCF Margin (TTM)

ATLC79.1%

BFH47.9%

Net Income (TTM)

ATLC$145M

BFH$565M

FCF (TTM)

ATLC$936M

BFH$2.17B

EPS (TTM)

ATLC$7.55

BFH$13.88

ROE (TTM)

ATLC22.8%

BFH17.1%

ROA (TTM)

ATLC2.1%

BFH2.5%

ROIC (TTM)

ATLC2.2%

BFH2.7%

Cash

ATLC$555M

BFH$3.68B

Debt

ATLC$6.27B

BFH$18.02B

Net Cash/Debt

ATLC$-5.72B

BFH$-14.33B

Current Ratio (TTM)

ATLC1.27x

BFH1.36x

Quick Ratio (TTM)

ATLC1.15x

BFH1.36x

Debt/Equity (TTM)

ATLC8.45x

BFH5.35x

Debt/Assets (TTM)

ATLC0.0%

BFH0.0%

Interest Coverage (TTM)

ATLCN/A

BFHN/A

Net Debt/EBITDA (TTM)

ATLC0.00x

BFH0.00x

Beta

ATLC1.79

BFH1.30

52W Performance

ATLC69.3%

BFH82.8%

YTD Performance

ATLC41.3%

BFH33.6%

% from 52W High

ATLC-18.0%

BFH-12.2%

% from 52W Low

ATLC97.3%

BFH86.8%

Asset Turnover (TTM)

ATLC0.16x

BFH0.20x

FCF Yield (TTM)

ATLC66.1%

BFH56.2%

Earnings Yield (TTM)

ATLC10.2%

BFH14.6%

Dividend Yield (TTM)

ATLC0.7%

BFH1.2%

Rule of 40

ATLC158.2

BFH47.7

EV/GP/RG

ATLC0.07

BFH1.07

Ticker research

View ATLC research View BFH research

Metric	ATLC Atlanticus Holdings Corp	BFH Bread Financial Holdings Inc
Market & Valuation
Market Cap	$1.42B	$3.86B
Enterprise Value	$7.13B	$18.20B
Price	$93.73	$100.58
P/E Ratio	12.41x	7.25x
P/S Ratio	1.20x	0.85x
EV/Sales	6.03x	4.02x
EV/EBITDA	32.38x	11.10x
P/B Ratio	1.88x	1.12x
P/FCF Ratio	1.51x	1.78x
EV/FCF	7.62x	8.39x
PEG Ratio	0.33x	0.06x
Forward P/E (NTM)	8.33x	7.96x
Forward P/S (NTM)	0.43x	0.94x
Revenue & Growth
Revenue (TTM)	$1.18B	$4.53B
Revenue Growth (YoY)	79.0%	-0.2%
Forward Rev Growth	12.9%	4.0%
Profitability
Gross Margin (TTM)	45.6%	92.9%
Operating Margin (TTM)	17.2%	15.1%
EBITDA Margin (TTM)	18.6%	35.6%
Net Margin (TTM)	12.2%	12.5%
FCF Margin (TTM)	79.1%	47.9%
Net Income (TTM)	$145M	$565M
FCF (TTM)	$936M	$2.17B
EPS (TTM)	$7.55	$13.88
ROE (TTM)	22.8%	17.1%
ROA (TTM)	2.1%	2.5%
ROIC (TTM)	2.2%	2.7%
Financial Health
Cash	$555M	$3.68B
Debt	$6.27B	$18.02B
Net Cash/Debt	$-5.72B	$-14.33B
Current Ratio (TTM)	1.27x	1.36x
Quick Ratio (TTM)	1.15x	1.36x
Debt/Equity (TTM)	8.45x	5.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.79	1.30
52W Performance	69.3%	82.8%
YTD Performance	41.3%	33.6%
% from 52W High	-18.0%	-12.2%
% from 52W Low	97.3%	86.8%
Efficiency & Yields
Asset Turnover (TTM)	0.16x	0.20x
FCF Yield (TTM)	66.1%	56.2%
Earnings Yield (TTM)	10.2%	14.6%
Dividend Yield (TTM)	0.7%	1.2%
Other
Rule of 40	158.2	47.7
EV/GP/RG	0.07	1.07
Ticker research	View ATLC research	View BFH research