Compare $BFH vs $DAVE | Chartloom

Compare

$BFH vs $DAVE

Bread Financial Holdings Inc · Dave Inc

BFH

Bread Financial Holdings Inc

DAVE

Dave Inc

Compare $BFH vs $DAVE

Comparing Bread Financial Holdings Inc and Dave Inc

BFHBread Financial Holdings Inc

DAVEDave Inc

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%

DAVEDave Inc

Market cap

$4.68B

P/E (TTM)

22.64x

Forward P/E (NTM)

19.92x

Forward P/S (NTM)

5.65x

Rev growth (TTM)

48.6%

YTD performance

67.9%

52W performance

77.1%

FCF yield

6.8%

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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

DAVE

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

DAVE

Dave Inc

Market Cap

BFH$3.86B

DAVE$4.68B

Enterprise Value

BFH$18.20B

DAVE$4.74B

Price

BFH$100.58

DAVE$368.42

P/E Ratio

BFH7.25x

DAVE22.64x

P/S Ratio

BFH0.85x

DAVE7.28x

EV/Sales

BFH4.02x

DAVE7.37x

EV/EBITDA

BFH11.10x

DAVE20.44x

P/B Ratio

BFH1.12x

DAVE21.26x

P/FCF Ratio

BFH1.78x

DAVE14.67x

EV/FCF

BFH8.39x

DAVE14.85x

PEG Ratio

BFH0.06x

DAVE0.07x

Forward P/E (NTM)

BFH7.96x

DAVE19.92x

Forward P/S (NTM)

BFH0.94x

DAVE5.65x

Revenue (TTM)

BFH$4.53B

DAVE$644M

Revenue Growth (YoY)

BFH-0.2%

DAVE48.6%

Forward Rev Growth

BFH4.0%

DAVE22.1%

Gross Margin (TTM)

BFH92.9%

DAVE0.0%

Operating Margin (TTM)

BFH15.1%

DAVE34.5%

EBITDA Margin (TTM)

BFH35.6%

DAVE35.7%

Net Margin (TTM)

BFH12.5%

DAVE34.6%

FCF Margin (TTM)

BFH47.9%

DAVE49.6%

Net Income (TTM)

BFH$565M

DAVE$223M

FCF (TTM)

BFH$2.17B

DAVE$319M

EPS (TTM)

BFH$13.88

DAVE$16.27

ROE (TTM)

BFH17.1%

DAVE84.4%

ROA (TTM)

BFH2.5%

DAVE44.0%

ROIC (TTM)

BFH2.7%

DAVE51.1%

Cash

BFH$3.68B

DAVE$210M

Debt

BFH$18.02B

DAVE$268M

Net Cash/Debt

BFH$-14.33B

DAVE$-59M

Current Ratio (TTM)

BFH1.36x

DAVE4.22x

Quick Ratio (TTM)

BFH1.36x

DAVE4.16x

Debt/Equity (TTM)

BFH5.35x

DAVE1.29x

Debt/Assets (TTM)

BFH0.0%

DAVE0.0%

Interest Coverage (TTM)

BFHN/A

DAVEN/A

Net Debt/EBITDA (TTM)

BFH0.00x

DAVE0.00x

Beta

BFH1.30

DAVE4.12

52W Performance

BFH82.8%

DAVE77.1%

YTD Performance

BFH33.6%

DAVE67.9%

% from 52W High

BFH-12.2%

DAVE-19.6%

% from 52W Low

BFH86.8%

DAVE142.0%

Asset Turnover (TTM)

BFH0.20x

DAVE1.27x

FCF Yield (TTM)

BFH56.2%

DAVE6.8%

Earnings Yield (TTM)

BFH14.6%

DAVE4.8%

Dividend Yield (TTM)

BFH1.2%

DAVEN/A

Rule of 40

BFH47.7

DAVE98.2

EV/GP/RG

BFH1.07

DAVEN/A

Ticker research

View BFH research View DAVE research

Metric	BFH Bread Financial Holdings Inc	DAVE Dave Inc
Market & Valuation
Market Cap	$3.86B	$4.68B
Enterprise Value	$18.20B	$4.74B
Price	$100.58	$368.42
P/E Ratio	7.25x	22.64x
P/S Ratio	0.85x	7.28x
EV/Sales	4.02x	7.37x
EV/EBITDA	11.10x	20.44x
P/B Ratio	1.12x	21.26x
P/FCF Ratio	1.78x	14.67x
EV/FCF	8.39x	14.85x
PEG Ratio	0.06x	0.07x
Forward P/E (NTM)	7.96x	19.92x
Forward P/S (NTM)	0.94x	5.65x
Revenue & Growth
Revenue (TTM)	$4.53B	$644M
Revenue Growth (YoY)	-0.2%	48.6%
Forward Rev Growth	4.0%	22.1%
Profitability
Gross Margin (TTM)	92.9%	0.0%
Operating Margin (TTM)	15.1%	34.5%
EBITDA Margin (TTM)	35.6%	35.7%
Net Margin (TTM)	12.5%	34.6%
FCF Margin (TTM)	47.9%	49.6%
Net Income (TTM)	$565M	$223M
FCF (TTM)	$2.17B	$319M
EPS (TTM)	$13.88	$16.27
ROE (TTM)	17.1%	84.4%
ROA (TTM)	2.5%	44.0%
ROIC (TTM)	2.7%	51.1%
Financial Health
Cash	$3.68B	$210M
Debt	$18.02B	$268M
Net Cash/Debt	$-14.33B	$-59M
Current Ratio (TTM)	1.36x	4.22x
Quick Ratio (TTM)	1.36x	4.16x
Debt/Equity (TTM)	5.35x	1.29x
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	4.12
52W Performance	82.8%	77.1%
YTD Performance	33.6%	67.9%
% from 52W High	-12.2%	-19.6%
% from 52W Low	86.8%	142.0%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	1.27x
FCF Yield (TTM)	56.2%	6.8%
Earnings Yield (TTM)	14.6%	4.8%
Dividend Yield (TTM)	1.2%	N/A
Other
Rule of 40	47.7	98.2
EV/GP/RG	1.07	N/A
Ticker research	View BFH research	View DAVE research

Valuation

P/E Ratio

BFH

7.25x

DAVE

22.64x

P/S Ratio

BFH

0.85x

DAVE

7.28x

EV/FCF

BFH

8.39x

DAVE

14.85x

Growth & revenue

Revenue Growth TTM

DAVE

48.6%

BFH

-0.2%

Forward Revenue Growth

DAVE

22.1%

BFH

4.0%

Profitability & performance

Gross Margin

BFH

92.9%

DAVE

0.0%

ROE

DAVE

84.4%

BFH

17.1%

FCF Yield %

BFH

56.2%

DAVE

6.8%

52-Week Performance

BFH

82.8%

DAVE

77.1%

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

DAVE

Dave Inc

Market Cap

BFH$3.86B

DAVE$4.68B

Enterprise Value

BFH$18.20B

DAVE$4.74B

Price

BFH$100.58

DAVE$368.42

P/E Ratio

BFH7.25x

DAVE22.64x

P/S Ratio

BFH0.85x

DAVE7.28x

EV/Sales

BFH4.02x

DAVE7.37x

EV/EBITDA

BFH11.10x

DAVE20.44x

P/B Ratio

BFH1.12x

DAVE21.26x

P/FCF Ratio

BFH1.78x

DAVE14.67x

EV/FCF

BFH8.39x

DAVE14.85x

PEG Ratio

BFH0.06x

DAVE0.07x

Forward P/E (NTM)

BFH7.96x

DAVE19.92x

Forward P/S (NTM)

BFH0.94x

DAVE5.65x

Revenue (TTM)

BFH$4.53B

DAVE$644M

Revenue Growth (YoY)

BFH-0.2%

DAVE48.6%

Forward Rev Growth

BFH4.0%

DAVE22.1%

Gross Margin (TTM)

BFH92.9%

DAVE0.0%

Operating Margin (TTM)

BFH15.1%

DAVE34.5%

EBITDA Margin (TTM)

BFH35.6%

DAVE35.7%

Net Margin (TTM)

BFH12.5%

DAVE34.6%

FCF Margin (TTM)

BFH47.9%

DAVE49.6%

Net Income (TTM)

BFH$565M

DAVE$223M

FCF (TTM)

BFH$2.17B

DAVE$319M

EPS (TTM)

BFH$13.88

DAVE$16.27

ROE (TTM)

BFH17.1%

DAVE84.4%

ROA (TTM)

BFH2.5%

DAVE44.0%

ROIC (TTM)

BFH2.7%

DAVE51.1%

Cash

BFH$3.68B

DAVE$210M

Debt

BFH$18.02B

DAVE$268M

Net Cash/Debt

BFH$-14.33B

DAVE$-59M

Current Ratio (TTM)

BFH1.36x

DAVE4.22x

Quick Ratio (TTM)

BFH1.36x

DAVE4.16x

Debt/Equity (TTM)

BFH5.35x

DAVE1.29x

Debt/Assets (TTM)

BFH0.0%

DAVE0.0%

Interest Coverage (TTM)

BFHN/A

DAVEN/A

Net Debt/EBITDA (TTM)

BFH0.00x

DAVE0.00x

Beta

BFH1.30

DAVE4.12

52W Performance

BFH82.8%

DAVE77.1%

YTD Performance

BFH33.6%

DAVE67.9%

% from 52W High

BFH-12.2%

DAVE-19.6%

% from 52W Low

BFH86.8%

DAVE142.0%

Asset Turnover (TTM)

BFH0.20x

DAVE1.27x

FCF Yield (TTM)

BFH56.2%

DAVE6.8%

Earnings Yield (TTM)

BFH14.6%

DAVE4.8%

Dividend Yield (TTM)

BFH1.2%

DAVEN/A

Rule of 40

BFH47.7

DAVE98.2

EV/GP/RG

BFH1.07

DAVEN/A

Ticker research

View BFH research View DAVE research

Metric	BFH Bread Financial Holdings Inc	DAVE Dave Inc
Market & Valuation
Market Cap	$3.86B	$4.68B
Enterprise Value	$18.20B	$4.74B
Price	$100.58	$368.42
P/E Ratio	7.25x	22.64x
P/S Ratio	0.85x	7.28x
EV/Sales	4.02x	7.37x
EV/EBITDA	11.10x	20.44x
P/B Ratio	1.12x	21.26x
P/FCF Ratio	1.78x	14.67x
EV/FCF	8.39x	14.85x
PEG Ratio	0.06x	0.07x
Forward P/E (NTM)	7.96x	19.92x
Forward P/S (NTM)	0.94x	5.65x
Revenue & Growth
Revenue (TTM)	$4.53B	$644M
Revenue Growth (YoY)	-0.2%	48.6%
Forward Rev Growth	4.0%	22.1%
Profitability
Gross Margin (TTM)	92.9%	0.0%
Operating Margin (TTM)	15.1%	34.5%
EBITDA Margin (TTM)	35.6%	35.7%
Net Margin (TTM)	12.5%	34.6%
FCF Margin (TTM)	47.9%	49.6%
Net Income (TTM)	$565M	$223M
FCF (TTM)	$2.17B	$319M
EPS (TTM)	$13.88	$16.27
ROE (TTM)	17.1%	84.4%
ROA (TTM)	2.5%	44.0%
ROIC (TTM)	2.7%	51.1%
Financial Health
Cash	$3.68B	$210M
Debt	$18.02B	$268M
Net Cash/Debt	$-14.33B	$-59M
Current Ratio (TTM)	1.36x	4.22x
Quick Ratio (TTM)	1.36x	4.16x
Debt/Equity (TTM)	5.35x	1.29x
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	4.12
52W Performance	82.8%	77.1%
YTD Performance	33.6%	67.9%
% from 52W High	-12.2%	-19.6%
% from 52W Low	86.8%	142.0%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	1.27x
FCF Yield (TTM)	56.2%	6.8%
Earnings Yield (TTM)	14.6%	4.8%
Dividend Yield (TTM)	1.2%	N/A
Other
Rule of 40	47.7	98.2
EV/GP/RG	1.07	N/A
Ticker research	View BFH research	View DAVE research