Compare $BFH vs $ECPG | Chartloom

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$BFH vs $ECPG

Bread Financial Holdings Inc · Encore Capital Group Inc

BFH

Bread Financial Holdings Inc

ECPG

Encore Capital Group Inc

Compare $BFH vs $ECPG

Comparing Bread Financial Holdings Inc and Encore Capital Group Inc

BFHBread Financial Holdings Inc

ECPGEncore Capital Group 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%

ECPGEncore Capital Group Inc

Market cap

$2.14B

P/E (TTM)

7.54x

Forward P/E (NTM)

7.01x

Forward P/S (NTM)

1.10x

Rev growth (TTM)

29.5%

YTD performance

78.4%

52W performance

133.8%

FCF yield

5.9%

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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

ECPG

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

ECPG

Encore Capital Group Inc

Market Cap

BFH$3.86B

ECPG$2.14B

Enterprise Value

BFH$18.20B

ECPG$6.14B

Price

BFH$100.58

ECPG$99.77

P/E Ratio

BFH7.25x

ECPG7.54x

P/S Ratio

BFH0.85x

ECPG1.13x

EV/Sales

BFH4.02x

ECPG3.23x

EV/EBITDA

BFH11.10x

ECPG8.23x

P/B Ratio

BFH1.12x

ECPG1.89x

P/FCF Ratio

BFH1.78x

ECPG17.09x

EV/FCF

BFH8.39x

ECPG49.03x

PEG Ratio

BFH0.06x

ECPGN/A

Forward P/E (NTM)

BFH7.96x

ECPG7.01x

Forward P/S (NTM)

BFH0.94x

ECPG1.10x

Revenue (TTM)

BFH$4.53B

ECPG$1.90B

Revenue Growth (YoY)

BFH-0.2%

ECPG29.5%

Forward Rev Growth

BFH4.0%

ECPG1.3%

Gross Margin (TTM)

BFH92.9%

ECPG80.0%

Operating Margin (TTM)

BFH15.1%

ECPG36.0%

EBITDA Margin (TTM)

BFH35.6%

ECPG39.2%

Net Margin (TTM)

BFH12.5%

ECPG15.9%

FCF Margin (TTM)

BFH47.9%

ECPG6.6%

Net Income (TTM)

BFH$565M

ECPG$302M

FCF (TTM)

BFH$2.17B

ECPG$125M

EPS (TTM)

BFH$13.88

ECPG$13.23

ROE (TTM)

BFH17.1%

ECPG29.8%

ROA (TTM)

BFH2.5%

ECPG5.6%

ROIC (TTM)

BFH2.7%

ECPG6.0%

Cash

BFH$3.68B

ECPG$183M

Debt

BFH$18.02B

ECPG$4.18B

Net Cash/Debt

BFH$-14.33B

ECPG$-4.00B

Current Ratio (TTM)

BFH1.36x

ECPG1.29x

Quick Ratio (TTM)

BFH1.36x

ECPG1.11x

Debt/Equity (TTM)

BFH5.35x

ECPG3.87x

Debt/Assets (TTM)

BFH0.0%

ECPG0.0%

Interest Coverage (TTM)

BFHN/A

ECPGN/A

Net Debt/EBITDA (TTM)

BFH0.00x

ECPG0.00x

Beta

BFH1.30

ECPG1.32

52W Performance

BFH82.8%

ECPG133.8%

YTD Performance

BFH33.6%

ECPG78.4%

% from 52W High

BFH-12.2%

ECPG-5.0%

% from 52W Low

BFH86.8%

ECPG149.7%

Asset Turnover (TTM)

BFH0.20x

ECPG0.35x

FCF Yield (TTM)

BFH56.2%

ECPG5.9%

Earnings Yield (TTM)

BFH14.6%

ECPG14.1%

Dividend Yield (TTM)

BFH1.2%

ECPGN/A

Rule of 40

BFH47.7

ECPG36.1

EV/GP/RG

BFH1.07

ECPG1.89

Ticker research

View BFH research View ECPG research

Metric	BFH Bread Financial Holdings Inc	ECPG Encore Capital Group Inc
Market & Valuation
Market Cap	$3.86B	$2.14B
Enterprise Value	$18.20B	$6.14B
Price	$100.58	$99.77
P/E Ratio	7.25x	7.54x
P/S Ratio	0.85x	1.13x
EV/Sales	4.02x	3.23x
EV/EBITDA	11.10x	8.23x
P/B Ratio	1.12x	1.89x
P/FCF Ratio	1.78x	17.09x
EV/FCF	8.39x	49.03x
PEG Ratio	0.06x	N/A
Forward P/E (NTM)	7.96x	7.01x
Forward P/S (NTM)	0.94x	1.10x
Revenue & Growth
Revenue (TTM)	$4.53B	$1.90B
Revenue Growth (YoY)	-0.2%	29.5%
Forward Rev Growth	4.0%	1.3%
Profitability
Gross Margin (TTM)	92.9%	80.0%
Operating Margin (TTM)	15.1%	36.0%
EBITDA Margin (TTM)	35.6%	39.2%
Net Margin (TTM)	12.5%	15.9%
FCF Margin (TTM)	47.9%	6.6%
Net Income (TTM)	$565M	$302M
FCF (TTM)	$2.17B	$125M
EPS (TTM)	$13.88	$13.23
ROE (TTM)	17.1%	29.8%
ROA (TTM)	2.5%	5.6%
ROIC (TTM)	2.7%	6.0%
Financial Health
Cash	$3.68B	$183M
Debt	$18.02B	$4.18B
Net Cash/Debt	$-14.33B	$-4.00B
Current Ratio (TTM)	1.36x	1.29x
Quick Ratio (TTM)	1.36x	1.11x
Debt/Equity (TTM)	5.35x	3.87x
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	1.32
52W Performance	82.8%	133.8%
YTD Performance	33.6%	78.4%
% from 52W High	-12.2%	-5.0%
% from 52W Low	86.8%	149.7%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	0.35x
FCF Yield (TTM)	56.2%	5.9%
Earnings Yield (TTM)	14.6%	14.1%
Dividend Yield (TTM)	1.2%	N/A
Other
Rule of 40	47.7	36.1
EV/GP/RG	1.07	1.89
Ticker research	View BFH research	View ECPG research

Valuation

P/E Ratio

BFH

7.25x

ECPG

7.54x

P/S Ratio

BFH

0.85x

ECPG

1.13x

EV/FCF

BFH

8.39x

ECPG

49.03x

Growth & revenue

Revenue Growth TTM

ECPG

29.5%

BFH

-0.2%

Forward Revenue Growth

BFH

4.0%

ECPG

1.3%

Profitability & performance

Gross Margin

BFH

92.9%

ECPG

80.0%

ROE

ECPG

29.8%

BFH

17.1%

FCF Yield %

BFH

56.2%

ECPG

5.9%

52-Week Performance

ECPG

133.8%

BFH

82.8%

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

ECPG

Encore Capital Group Inc

Market Cap

BFH$3.86B

ECPG$2.14B

Enterprise Value

BFH$18.20B

ECPG$6.14B

Price

BFH$100.58

ECPG$99.77

P/E Ratio

BFH7.25x

ECPG7.54x

P/S Ratio

BFH0.85x

ECPG1.13x

EV/Sales

BFH4.02x

ECPG3.23x

EV/EBITDA

BFH11.10x

ECPG8.23x

P/B Ratio

BFH1.12x

ECPG1.89x

P/FCF Ratio

BFH1.78x

ECPG17.09x

EV/FCF

BFH8.39x

ECPG49.03x

PEG Ratio

BFH0.06x

ECPGN/A

Forward P/E (NTM)

BFH7.96x

ECPG7.01x

Forward P/S (NTM)

BFH0.94x

ECPG1.10x

Revenue (TTM)

BFH$4.53B

ECPG$1.90B

Revenue Growth (YoY)

BFH-0.2%

ECPG29.5%

Forward Rev Growth

BFH4.0%

ECPG1.3%

Gross Margin (TTM)

BFH92.9%

ECPG80.0%

Operating Margin (TTM)

BFH15.1%

ECPG36.0%

EBITDA Margin (TTM)

BFH35.6%

ECPG39.2%

Net Margin (TTM)

BFH12.5%

ECPG15.9%

FCF Margin (TTM)

BFH47.9%

ECPG6.6%

Net Income (TTM)

BFH$565M

ECPG$302M

FCF (TTM)

BFH$2.17B

ECPG$125M

EPS (TTM)

BFH$13.88

ECPG$13.23

ROE (TTM)

BFH17.1%

ECPG29.8%

ROA (TTM)

BFH2.5%

ECPG5.6%

ROIC (TTM)

BFH2.7%

ECPG6.0%

Cash

BFH$3.68B

ECPG$183M

Debt

BFH$18.02B

ECPG$4.18B

Net Cash/Debt

BFH$-14.33B

ECPG$-4.00B

Current Ratio (TTM)

BFH1.36x

ECPG1.29x

Quick Ratio (TTM)

BFH1.36x

ECPG1.11x

Debt/Equity (TTM)

BFH5.35x

ECPG3.87x

Debt/Assets (TTM)

BFH0.0%

ECPG0.0%

Interest Coverage (TTM)

BFHN/A

ECPGN/A

Net Debt/EBITDA (TTM)

BFH0.00x

ECPG0.00x

Beta

BFH1.30

ECPG1.32

52W Performance

BFH82.8%

ECPG133.8%

YTD Performance

BFH33.6%

ECPG78.4%

% from 52W High

BFH-12.2%

ECPG-5.0%

% from 52W Low

BFH86.8%

ECPG149.7%

Asset Turnover (TTM)

BFH0.20x

ECPG0.35x

FCF Yield (TTM)

BFH56.2%

ECPG5.9%

Earnings Yield (TTM)

BFH14.6%

ECPG14.1%

Dividend Yield (TTM)

BFH1.2%

ECPGN/A

Rule of 40

BFH47.7

ECPG36.1

EV/GP/RG

BFH1.07

ECPG1.89

Ticker research

View BFH research View ECPG research

Metric	BFH Bread Financial Holdings Inc	ECPG Encore Capital Group Inc
Market & Valuation
Market Cap	$3.86B	$2.14B
Enterprise Value	$18.20B	$6.14B
Price	$100.58	$99.77
P/E Ratio	7.25x	7.54x
P/S Ratio	0.85x	1.13x
EV/Sales	4.02x	3.23x
EV/EBITDA	11.10x	8.23x
P/B Ratio	1.12x	1.89x
P/FCF Ratio	1.78x	17.09x
EV/FCF	8.39x	49.03x
PEG Ratio	0.06x	N/A
Forward P/E (NTM)	7.96x	7.01x
Forward P/S (NTM)	0.94x	1.10x
Revenue & Growth
Revenue (TTM)	$4.53B	$1.90B
Revenue Growth (YoY)	-0.2%	29.5%
Forward Rev Growth	4.0%	1.3%
Profitability
Gross Margin (TTM)	92.9%	80.0%
Operating Margin (TTM)	15.1%	36.0%
EBITDA Margin (TTM)	35.6%	39.2%
Net Margin (TTM)	12.5%	15.9%
FCF Margin (TTM)	47.9%	6.6%
Net Income (TTM)	$565M	$302M
FCF (TTM)	$2.17B	$125M
EPS (TTM)	$13.88	$13.23
ROE (TTM)	17.1%	29.8%
ROA (TTM)	2.5%	5.6%
ROIC (TTM)	2.7%	6.0%
Financial Health
Cash	$3.68B	$183M
Debt	$18.02B	$4.18B
Net Cash/Debt	$-14.33B	$-4.00B
Current Ratio (TTM)	1.36x	1.29x
Quick Ratio (TTM)	1.36x	1.11x
Debt/Equity (TTM)	5.35x	3.87x
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	1.32
52W Performance	82.8%	133.8%
YTD Performance	33.6%	78.4%
% from 52W High	-12.2%	-5.0%
% from 52W Low	86.8%	149.7%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	0.35x
FCF Yield (TTM)	56.2%	5.9%
Earnings Yield (TTM)	14.6%	14.1%
Dividend Yield (TTM)	1.2%	N/A
Other
Rule of 40	47.7	36.1
EV/GP/RG	1.07	1.89
Ticker research	View BFH research	View ECPG research