Compare $BFH vs $ENVA | Chartloom

Compare

$BFH vs $ENVA

Bread Financial Holdings Inc · Enova International Inc

BFH

Bread Financial Holdings Inc

ENVA

Enova International Inc

Compare $BFH vs $ENVA

Comparing Bread Financial Holdings Inc and Enova International Inc

BFHBread Financial Holdings Inc

ENVAEnova International 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%

ENVAEnova International Inc

Market cap

$4.43B

P/E (TTM)

13.16x

Forward P/E (NTM)

9.08x

Forward P/S (NTM)

1.02x

Rev growth (TTM)

22.5%

YTD performance

9.9%

52W performance

64.6%

FCF yield

44.0%

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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

ENVA

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

ENVA

Enova International Inc

Market Cap

BFH$3.86B

ENVA$4.43B

Enterprise Value

BFH$18.20B

ENVA$9.33B

Price

BFH$100.58

ENVA$178.07

P/E Ratio

BFH7.25x

ENVA13.16x

P/S Ratio

BFH0.85x

ENVA2.15x

EV/Sales

BFH4.02x

ENVA4.53x

EV/EBITDA

BFH11.10x

ENVA10.76x

P/B Ratio

BFH1.12x

ENVA2.88x

P/FCF Ratio

BFH1.78x

ENVA2.27x

EV/FCF

BFH8.39x

ENVA4.78x

PEG Ratio

BFH0.06x

ENVA0.29x

Forward P/E (NTM)

BFH7.96x

ENVA9.08x

Forward P/S (NTM)

BFH0.94x

ENVA1.02x

Revenue (TTM)

BFH$4.53B

ENVA$2.06B

Revenue Growth (YoY)

BFH-0.2%

ENVA22.5%

Forward Rev Growth

BFH4.0%

ENVA18.4%

Gross Margin (TTM)

BFH92.9%

ENVA100.0%

Operating Margin (TTM)

BFH15.1%

ENVA40.2%

EBITDA Margin (TTM)

BFH35.6%

ENVA42.1%

Net Margin (TTM)

BFH12.5%

ENVA17.3%

FCF Margin (TTM)

BFH47.9%

ENVA94.8%

Net Income (TTM)

BFH$565M

ENVA$355M

FCF (TTM)

BFH$2.17B

ENVA$1.95B

EPS (TTM)

BFH$13.88

ENVA$13.53

ROE (TTM)

BFH17.1%

ENVA25.8%

ROA (TTM)

BFH2.5%

ENVA5.4%

ROIC (TTM)

BFH2.7%

ENVA5.9%

Cash

BFH$3.68B

ENVA$122M

Debt

BFH$18.02B

ENVA$5.01B

Net Cash/Debt

BFH$-14.33B

ENVA$-4.89B

Current Ratio (TTM)

BFH1.36x

ENVA20.16x

Quick Ratio (TTM)

BFH1.36x

ENVA20.16x

Debt/Equity (TTM)

BFH5.35x

ENVA3.35x

Debt/Assets (TTM)

BFH0.0%

ENVA0.0%

Interest Coverage (TTM)

BFHN/A

ENVAN/A

Net Debt/EBITDA (TTM)

BFH0.00x

ENVA0.00x

Beta

BFH1.30

ENVA1.40

52W Performance

BFH82.8%

ENVA64.6%

YTD Performance

BFH33.6%

ENVA9.9%

% from 52W High

BFH-12.2%

ENVA-33.4%

% from 52W Low

BFH86.8%

ENVA72.8%

Asset Turnover (TTM)

BFH0.20x

ENVA0.31x

FCF Yield (TTM)

BFH56.2%

ENVA44.0%

Earnings Yield (TTM)

BFH14.6%

ENVA8.0%

Dividend Yield (TTM)

BFH1.2%

ENVAN/A

Rule of 40

BFH47.7

ENVA117.3

EV/GP/RG

BFH1.07

ENVA0.04

Ticker research

View BFH research View ENVA research

Metric	BFH Bread Financial Holdings Inc	ENVA Enova International Inc
Market & Valuation
Market Cap	$3.86B	$4.43B
Enterprise Value	$18.20B	$9.33B
Price	$100.58	$178.07
P/E Ratio	7.25x	13.16x
P/S Ratio	0.85x	2.15x
EV/Sales	4.02x	4.53x
EV/EBITDA	11.10x	10.76x
P/B Ratio	1.12x	2.88x
P/FCF Ratio	1.78x	2.27x
EV/FCF	8.39x	4.78x
PEG Ratio	0.06x	0.29x
Forward P/E (NTM)	7.96x	9.08x
Forward P/S (NTM)	0.94x	1.02x
Revenue & Growth
Revenue (TTM)	$4.53B	$2.06B
Revenue Growth (YoY)	-0.2%	22.5%
Forward Rev Growth	4.0%	18.4%
Profitability
Gross Margin (TTM)	92.9%	100.0%
Operating Margin (TTM)	15.1%	40.2%
EBITDA Margin (TTM)	35.6%	42.1%
Net Margin (TTM)	12.5%	17.3%
FCF Margin (TTM)	47.9%	94.8%
Net Income (TTM)	$565M	$355M
FCF (TTM)	$2.17B	$1.95B
EPS (TTM)	$13.88	$13.53
ROE (TTM)	17.1%	25.8%
ROA (TTM)	2.5%	5.4%
ROIC (TTM)	2.7%	5.9%
Financial Health
Cash	$3.68B	$122M
Debt	$18.02B	$5.01B
Net Cash/Debt	$-14.33B	$-4.89B
Current Ratio (TTM)	1.36x	20.16x
Quick Ratio (TTM)	1.36x	20.16x
Debt/Equity (TTM)	5.35x	3.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.30	1.40
52W Performance	82.8%	64.6%
YTD Performance	33.6%	9.9%
% from 52W High	-12.2%	-33.4%
% from 52W Low	86.8%	72.8%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	0.31x
FCF Yield (TTM)	56.2%	44.0%
Earnings Yield (TTM)	14.6%	8.0%
Dividend Yield (TTM)	1.2%	N/A
Other
Rule of 40	47.7	117.3
EV/GP/RG	1.07	0.04
Ticker research	View BFH research	View ENVA research

Valuation

P/E Ratio

BFH

7.25x

ENVA

13.16x

P/S Ratio

BFH

0.85x

ENVA

2.15x

EV/FCF

ENVA

4.78x

BFH

8.39x

Growth & revenue

Revenue Growth TTM

ENVA

22.5%

BFH

-0.2%

Forward Revenue Growth

ENVA

18.4%

BFH

4.0%

Profitability & performance

Gross Margin

ENVA

100.0%

BFH

92.9%

ROE

ENVA

25.8%

BFH

17.1%

FCF Yield %

BFH

56.2%

ENVA

44.0%

52-Week Performance

BFH

82.8%

ENVA

64.6%

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

ENVA

Enova International Inc

Market Cap

BFH$3.86B

ENVA$4.43B

Enterprise Value

BFH$18.20B

ENVA$9.33B

Price

BFH$100.58

ENVA$178.07

P/E Ratio

BFH7.25x

ENVA13.16x

P/S Ratio

BFH0.85x

ENVA2.15x

EV/Sales

BFH4.02x

ENVA4.53x

EV/EBITDA

BFH11.10x

ENVA10.76x

P/B Ratio

BFH1.12x

ENVA2.88x

P/FCF Ratio

BFH1.78x

ENVA2.27x

EV/FCF

BFH8.39x

ENVA4.78x

PEG Ratio

BFH0.06x

ENVA0.29x

Forward P/E (NTM)

BFH7.96x

ENVA9.08x

Forward P/S (NTM)

BFH0.94x

ENVA1.02x

Revenue (TTM)

BFH$4.53B

ENVA$2.06B

Revenue Growth (YoY)

BFH-0.2%

ENVA22.5%

Forward Rev Growth

BFH4.0%

ENVA18.4%

Gross Margin (TTM)

BFH92.9%

ENVA100.0%

Operating Margin (TTM)

BFH15.1%

ENVA40.2%

EBITDA Margin (TTM)

BFH35.6%

ENVA42.1%

Net Margin (TTM)

BFH12.5%

ENVA17.3%

FCF Margin (TTM)

BFH47.9%

ENVA94.8%

Net Income (TTM)

BFH$565M

ENVA$355M

FCF (TTM)

BFH$2.17B

ENVA$1.95B

EPS (TTM)

BFH$13.88

ENVA$13.53

ROE (TTM)

BFH17.1%

ENVA25.8%

ROA (TTM)

BFH2.5%

ENVA5.4%

ROIC (TTM)

BFH2.7%

ENVA5.9%

Cash

BFH$3.68B

ENVA$122M

Debt

BFH$18.02B

ENVA$5.01B

Net Cash/Debt

BFH$-14.33B

ENVA$-4.89B

Current Ratio (TTM)

BFH1.36x

ENVA20.16x

Quick Ratio (TTM)

BFH1.36x

ENVA20.16x

Debt/Equity (TTM)

BFH5.35x

ENVA3.35x

Debt/Assets (TTM)

BFH0.0%

ENVA0.0%

Interest Coverage (TTM)

BFHN/A

ENVAN/A

Net Debt/EBITDA (TTM)

BFH0.00x

ENVA0.00x

Beta

BFH1.30

ENVA1.40

52W Performance

BFH82.8%

ENVA64.6%

YTD Performance

BFH33.6%

ENVA9.9%

% from 52W High

BFH-12.2%

ENVA-33.4%

% from 52W Low

BFH86.8%

ENVA72.8%

Asset Turnover (TTM)

BFH0.20x

ENVA0.31x

FCF Yield (TTM)

BFH56.2%

ENVA44.0%

Earnings Yield (TTM)

BFH14.6%

ENVA8.0%

Dividend Yield (TTM)

BFH1.2%

ENVAN/A

Rule of 40

BFH47.7

ENVA117.3

EV/GP/RG

BFH1.07

ENVA0.04

Ticker research

View BFH research View ENVA research

Metric	BFH Bread Financial Holdings Inc	ENVA Enova International Inc
Market & Valuation
Market Cap	$3.86B	$4.43B
Enterprise Value	$18.20B	$9.33B
Price	$100.58	$178.07
P/E Ratio	7.25x	13.16x
P/S Ratio	0.85x	2.15x
EV/Sales	4.02x	4.53x
EV/EBITDA	11.10x	10.76x
P/B Ratio	1.12x	2.88x
P/FCF Ratio	1.78x	2.27x
EV/FCF	8.39x	4.78x
PEG Ratio	0.06x	0.29x
Forward P/E (NTM)	7.96x	9.08x
Forward P/S (NTM)	0.94x	1.02x
Revenue & Growth
Revenue (TTM)	$4.53B	$2.06B
Revenue Growth (YoY)	-0.2%	22.5%
Forward Rev Growth	4.0%	18.4%
Profitability
Gross Margin (TTM)	92.9%	100.0%
Operating Margin (TTM)	15.1%	40.2%
EBITDA Margin (TTM)	35.6%	42.1%
Net Margin (TTM)	12.5%	17.3%
FCF Margin (TTM)	47.9%	94.8%
Net Income (TTM)	$565M	$355M
FCF (TTM)	$2.17B	$1.95B
EPS (TTM)	$13.88	$13.53
ROE (TTM)	17.1%	25.8%
ROA (TTM)	2.5%	5.4%
ROIC (TTM)	2.7%	5.9%
Financial Health
Cash	$3.68B	$122M
Debt	$18.02B	$5.01B
Net Cash/Debt	$-14.33B	$-4.89B
Current Ratio (TTM)	1.36x	20.16x
Quick Ratio (TTM)	1.36x	20.16x
Debt/Equity (TTM)	5.35x	3.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.30	1.40
52W Performance	82.8%	64.6%
YTD Performance	33.6%	9.9%
% from 52W High	-12.2%	-33.4%
% from 52W Low	86.8%	72.8%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	0.31x
FCF Yield (TTM)	56.2%	44.0%
Earnings Yield (TTM)	14.6%	8.0%
Dividend Yield (TTM)	1.2%	N/A
Other
Rule of 40	47.7	117.3
EV/GP/RG	1.07	0.04
Ticker research	View BFH research	View ENVA research