Compare $BFH vs $CACC | Chartloom

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$BFH vs $CACC

Bread Financial Holdings Inc · Credit Acceptance Corp

BFH

Bread Financial Holdings Inc

CACC

Credit Acceptance Corp

Compare $BFH vs $CACC

Comparing Bread Financial Holdings Inc and Credit Acceptance Corp

BFHBread Financial Holdings Inc

CACCCredit Acceptance Corp

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%

CACCCredit Acceptance Corp

Market cap

$5.73B

P/E (TTM)

11.71x

Forward P/E (NTM)

10.43x

Forward P/S (NTM)

2.31x

Rev growth (TTM)

2.6%

YTD performance

20.6%

52W performance

6.7%

FCF yield

21.3%

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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.

BFH

CACC

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

CACC

Credit Acceptance Corp

Market Cap

BFH$3.86B

CACC$5.73B

Enterprise Value

BFH$18.20B

CACC$12.01B

Price

BFH$100.58

CACC$547.60

P/E Ratio

BFH7.25x

CACC11.71x

P/S Ratio

BFH0.85x

CACC2.46x

EV/Sales

BFH4.02x

CACC5.16x

EV/EBITDA

BFH11.10x

CACC10.26x

P/B Ratio

BFH1.12x

CACC3.45x

P/FCF Ratio

BFH1.78x

CACC4.69x

EV/FCF

BFH8.39x

CACC9.84x

PEG Ratio

BFH0.06x

CACC0.36x

Forward P/E (NTM)

BFH7.96x

CACC10.43x

Forward P/S (NTM)

BFH0.94x

CACC2.31x

Revenue (TTM)

BFH$4.53B

CACC$2.33B

Revenue Growth (YoY)

BFH-0.2%

CACC2.6%

Forward Rev Growth

BFH4.0%

CACC6.7%

Gross Margin (TTM)

BFH92.9%

CACC0.0%

Operating Margin (TTM)

BFH15.1%

CACC47.0%

EBITDA Margin (TTM)

BFH35.6%

CACC50.2%

Net Margin (TTM)

BFH12.5%

CACC21.5%

FCF Margin (TTM)

BFH47.9%

CACC52.4%

Net Income (TTM)

BFH$565M

CACC$502M

FCF (TTM)

BFH$2.17B

CACC$1.22B

EPS (TTM)

BFH$13.88

CACC$46.75

ROE (TTM)

BFH17.1%

CACC32.4%

ROA (TTM)

BFH2.5%

CACC5.8%

ROIC (TTM)

BFH2.7%

CACC6.3%

Cash

BFH$3.68B

CACC$1M

Debt

BFH$18.02B

CACC$6.29B

Net Cash/Debt

BFH$-14.33B

CACC$-6.28B

Current Ratio (TTM)

BFH1.36x

CACC0.01x

Quick Ratio (TTM)

BFH1.36x

CACC0.01x

Debt/Equity (TTM)

BFH5.35x

CACC3.96x

Debt/Assets (TTM)

BFH0.0%

CACC0.0%

Interest Coverage (TTM)

BFHN/A

CACCN/A

Net Debt/EBITDA (TTM)

BFH0.00x

CACC0.00x

Beta

BFH1.30

CACC1.45

52W Performance

BFH82.8%

CACC6.7%

YTD Performance

BFH33.6%

CACC20.6%

% from 52W High

BFH-12.2%

CACC-18.1%

% from 52W Low

BFH86.8%

CACC36.3%

Asset Turnover (TTM)

BFH0.20x

CACC0.27x

FCF Yield (TTM)

BFH56.2%

CACC21.3%

Earnings Yield (TTM)

BFH14.6%

CACC8.8%

Dividend Yield (TTM)

BFH1.2%

CACCN/A

Rule of 40

BFH47.7

CACC55.0

EV/GP/RG

BFH1.07

CACCN/A

Ticker research

View BFH research View CACC research

Metric	BFH Bread Financial Holdings Inc	CACC Credit Acceptance Corp
Market & Valuation
Market Cap	$3.86B	$5.73B
Enterprise Value	$18.20B	$12.01B
Price	$100.58	$547.60
P/E Ratio	7.25x	11.71x
P/S Ratio	0.85x	2.46x
EV/Sales	4.02x	5.16x
EV/EBITDA	11.10x	10.26x
P/B Ratio	1.12x	3.45x
P/FCF Ratio	1.78x	4.69x
EV/FCF	8.39x	9.84x
PEG Ratio	0.06x	0.36x
Forward P/E (NTM)	7.96x	10.43x
Forward P/S (NTM)	0.94x	2.31x
Revenue & Growth
Revenue (TTM)	$4.53B	$2.33B
Revenue Growth (YoY)	-0.2%	2.6%
Forward Rev Growth	4.0%	6.7%
Profitability
Gross Margin (TTM)	92.9%	0.0%
Operating Margin (TTM)	15.1%	47.0%
EBITDA Margin (TTM)	35.6%	50.2%
Net Margin (TTM)	12.5%	21.5%
FCF Margin (TTM)	47.9%	52.4%
Net Income (TTM)	$565M	$502M
FCF (TTM)	$2.17B	$1.22B
EPS (TTM)	$13.88	$46.75
ROE (TTM)	17.1%	32.4%
ROA (TTM)	2.5%	5.8%
ROIC (TTM)	2.7%	6.3%
Financial Health
Cash	$3.68B	$1M
Debt	$18.02B	$6.29B
Net Cash/Debt	$-14.33B	$-6.28B
Current Ratio (TTM)	1.36x	0.01x
Quick Ratio (TTM)	1.36x	0.01x
Debt/Equity (TTM)	5.35x	3.96x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.30	1.45
52W Performance	82.8%	6.7%
YTD Performance	33.6%	20.6%
% from 52W High	-12.2%	-18.1%
% from 52W Low	86.8%	36.3%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	0.27x
FCF Yield (TTM)	56.2%	21.3%
Earnings Yield (TTM)	14.6%	8.8%
Dividend Yield (TTM)	1.2%	N/A
Other
Rule of 40	47.7	55.0
EV/GP/RG	1.07	N/A
Ticker research	View BFH research	View CACC research

Valuation

P/E Ratio

BFH

7.25x

CACC

11.71x

P/S Ratio

BFH

0.85x

CACC

2.46x

EV/FCF

BFH

8.39x

CACC

9.84x

Growth & revenue

Revenue Growth TTM

CACC

2.6%

BFH

-0.2%

Forward Revenue Growth

CACC

6.7%

BFH

4.0%

Profitability & performance

Gross Margin

BFH

92.9%

CACC

0.0%

ROE

CACC

32.4%

BFH

17.1%

FCF Yield %

BFH

56.2%

CACC

21.3%

52-Week Performance

BFH

82.8%

CACC

6.7%

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

CACC

Credit Acceptance Corp

Market Cap

BFH$3.86B

CACC$5.73B

Enterprise Value

BFH$18.20B

CACC$12.01B

Price

BFH$100.58

CACC$547.60

P/E Ratio

BFH7.25x

CACC11.71x

P/S Ratio

BFH0.85x

CACC2.46x

EV/Sales

BFH4.02x

CACC5.16x

EV/EBITDA

BFH11.10x

CACC10.26x

P/B Ratio

BFH1.12x

CACC3.45x

P/FCF Ratio

BFH1.78x

CACC4.69x

EV/FCF

BFH8.39x

CACC9.84x

PEG Ratio

BFH0.06x

CACC0.36x

Forward P/E (NTM)

BFH7.96x

CACC10.43x

Forward P/S (NTM)

BFH0.94x

CACC2.31x

Revenue (TTM)

BFH$4.53B

CACC$2.33B

Revenue Growth (YoY)

BFH-0.2%

CACC2.6%

Forward Rev Growth

BFH4.0%

CACC6.7%

Gross Margin (TTM)

BFH92.9%

CACC0.0%

Operating Margin (TTM)

BFH15.1%

CACC47.0%

EBITDA Margin (TTM)

BFH35.6%

CACC50.2%

Net Margin (TTM)

BFH12.5%

CACC21.5%

FCF Margin (TTM)

BFH47.9%

CACC52.4%

Net Income (TTM)

BFH$565M

CACC$502M

FCF (TTM)

BFH$2.17B

CACC$1.22B

EPS (TTM)

BFH$13.88

CACC$46.75

ROE (TTM)

BFH17.1%

CACC32.4%

ROA (TTM)

BFH2.5%

CACC5.8%

ROIC (TTM)

BFH2.7%

CACC6.3%

Cash

BFH$3.68B

CACC$1M

Debt

BFH$18.02B

CACC$6.29B

Net Cash/Debt

BFH$-14.33B

CACC$-6.28B

Current Ratio (TTM)

BFH1.36x

CACC0.01x

Quick Ratio (TTM)

BFH1.36x

CACC0.01x

Debt/Equity (TTM)

BFH5.35x

CACC3.96x

Debt/Assets (TTM)

BFH0.0%

CACC0.0%

Interest Coverage (TTM)

BFHN/A

CACCN/A

Net Debt/EBITDA (TTM)

BFH0.00x

CACC0.00x

Beta

BFH1.30

CACC1.45

52W Performance

BFH82.8%

CACC6.7%

YTD Performance

BFH33.6%

CACC20.6%

% from 52W High

BFH-12.2%

CACC-18.1%

% from 52W Low

BFH86.8%

CACC36.3%

Asset Turnover (TTM)

BFH0.20x

CACC0.27x

FCF Yield (TTM)

BFH56.2%

CACC21.3%

Earnings Yield (TTM)

BFH14.6%

CACC8.8%

Dividend Yield (TTM)

BFH1.2%

CACCN/A

Rule of 40

BFH47.7

CACC55.0

EV/GP/RG

BFH1.07

CACCN/A

Ticker research

View BFH research View CACC research

Metric	BFH Bread Financial Holdings Inc	CACC Credit Acceptance Corp
Market & Valuation
Market Cap	$3.86B	$5.73B
Enterprise Value	$18.20B	$12.01B
Price	$100.58	$547.60
P/E Ratio	7.25x	11.71x
P/S Ratio	0.85x	2.46x
EV/Sales	4.02x	5.16x
EV/EBITDA	11.10x	10.26x
P/B Ratio	1.12x	3.45x
P/FCF Ratio	1.78x	4.69x
EV/FCF	8.39x	9.84x
PEG Ratio	0.06x	0.36x
Forward P/E (NTM)	7.96x	10.43x
Forward P/S (NTM)	0.94x	2.31x
Revenue & Growth
Revenue (TTM)	$4.53B	$2.33B
Revenue Growth (YoY)	-0.2%	2.6%
Forward Rev Growth	4.0%	6.7%
Profitability
Gross Margin (TTM)	92.9%	0.0%
Operating Margin (TTM)	15.1%	47.0%
EBITDA Margin (TTM)	35.6%	50.2%
Net Margin (TTM)	12.5%	21.5%
FCF Margin (TTM)	47.9%	52.4%
Net Income (TTM)	$565M	$502M
FCF (TTM)	$2.17B	$1.22B
EPS (TTM)	$13.88	$46.75
ROE (TTM)	17.1%	32.4%
ROA (TTM)	2.5%	5.8%
ROIC (TTM)	2.7%	6.3%
Financial Health
Cash	$3.68B	$1M
Debt	$18.02B	$6.29B
Net Cash/Debt	$-14.33B	$-6.28B
Current Ratio (TTM)	1.36x	0.01x
Quick Ratio (TTM)	1.36x	0.01x
Debt/Equity (TTM)	5.35x	3.96x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.30	1.45
52W Performance	82.8%	6.7%
YTD Performance	33.6%	20.6%
% from 52W High	-12.2%	-18.1%
% from 52W Low	86.8%	36.3%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	0.27x
FCF Yield (TTM)	56.2%	21.3%
Earnings Yield (TTM)	14.6%	8.8%
Dividend Yield (TTM)	1.2%	N/A
Other
Rule of 40	47.7	55.0
EV/GP/RG	1.07	N/A
Ticker research	View BFH research	View CACC research