Compare $BFH vs $NNI | Chartloom

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$BFH vs $NNI

Bread Financial Holdings Inc · Nelnet Inc

BFH

Bread Financial Holdings Inc

NNI

Nelnet Inc

Compare $BFH vs $NNI

Comparing Bread Financial Holdings Inc and Nelnet Inc

BFHBread Financial Holdings Inc

NNINelnet 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%

NNINelnet Inc

Market cap

$4.50B

P/E (TTM)

15.21x

Forward P/E (NTM)

14.89x

Forward P/S (NTM)

2.57x

Rev growth (TTM)

1.0%

YTD performance

-2.9%

52W performance

-2.8%

FCF yield

8.1%

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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

NNI

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

NNI

Nelnet Inc

Market Cap

BFH$3.86B

NNI$4.50B

Enterprise Value

BFH$18.20B

NNI$13.59B

Price

BFH$100.58

NNI$125.26

P/E Ratio

BFH7.25x

NNI15.21x

P/S Ratio

BFH0.85x

NNI2.22x

EV/Sales

BFH4.02x

NNI6.70x

EV/EBITDA

BFH11.10x

NNI23.72x

P/B Ratio

BFH1.12x

NNI1.18x

P/FCF Ratio

BFH1.78x

NNI12.36x

EV/FCF

BFH8.39x

NNI37.33x

PEG Ratio

BFH0.06x

NNIN/A

Forward P/E (NTM)

BFH7.96x

NNI14.89x

Forward P/S (NTM)

BFH0.94x

NNI2.57x

Revenue (TTM)

BFH$4.53B

NNI$2.03B

Revenue Growth (YoY)

BFH-0.2%

NNI1.0%

Forward Rev Growth

BFH4.0%

NNI6.4%

Gross Margin (TTM)

BFH92.9%

NNI67.3%

Operating Margin (TTM)

BFH15.1%

NNI16.0%

EBITDA Margin (TTM)

BFH35.6%

NNI22.7%

Net Margin (TTM)

BFH12.5%

NNI14.6%

FCF Margin (TTM)

BFH47.9%

NNI18.0%

Net Income (TTM)

BFH$565M

NNI$297M

FCF (TTM)

BFH$2.17B

NNI$364M

EPS (TTM)

BFH$13.88

NNI$8.24

ROE (TTM)

BFH17.1%

NNI8.2%

ROA (TTM)

BFH2.5%

NNI2.1%

ROIC (TTM)

BFH2.7%

NNI2.3%

Cash

BFH$3.68B

NNI$172M

Debt

BFH$18.02B

NNI$9.26B

Net Cash/Debt

BFH$-14.33B

NNI$-9.09B

Current Ratio (TTM)

BFH1.36x

NNI0.11x

Quick Ratio (TTM)

BFH1.36x

NNI0.11x

Debt/Equity (TTM)

BFH5.35x

NNI2.46x

Debt/Assets (TTM)

BFH0.0%

NNI0.0%

Interest Coverage (TTM)

BFHN/A

NNIN/A

Net Debt/EBITDA (TTM)

BFH0.00x

NNI0.00x

Beta

BFH1.30

NNI0.79

52W Performance

BFH82.8%

NNI-2.8%

YTD Performance

BFH33.6%

NNI-2.9%

% from 52W High

BFH-12.2%

NNI-13.2%

% from 52W Low

BFH86.8%

NNI7.4%

Asset Turnover (TTM)

BFH0.20x

NNI0.14x

FCF Yield (TTM)

BFH56.2%

NNI8.1%

Earnings Yield (TTM)

BFH14.6%

NNI6.6%

Dividend Yield (TTM)

BFH1.2%

NNI1.0%

Rule of 40

BFH47.7

NNI18.9

EV/GP/RG

BFH1.07

NNI1.25

Ticker research

View BFH research View NNI research

Metric	BFH Bread Financial Holdings Inc	NNI Nelnet Inc
Market & Valuation
Market Cap	$3.86B	$4.50B
Enterprise Value	$18.20B	$13.59B
Price	$100.58	$125.26
P/E Ratio	7.25x	15.21x
P/S Ratio	0.85x	2.22x
EV/Sales	4.02x	6.70x
EV/EBITDA	11.10x	23.72x
P/B Ratio	1.12x	1.18x
P/FCF Ratio	1.78x	12.36x
EV/FCF	8.39x	37.33x
PEG Ratio	0.06x	N/A
Forward P/E (NTM)	7.96x	14.89x
Forward P/S (NTM)	0.94x	2.57x
Revenue & Growth
Revenue (TTM)	$4.53B	$2.03B
Revenue Growth (YoY)	-0.2%	1.0%
Forward Rev Growth	4.0%	6.4%
Profitability
Gross Margin (TTM)	92.9%	67.3%
Operating Margin (TTM)	15.1%	16.0%
EBITDA Margin (TTM)	35.6%	22.7%
Net Margin (TTM)	12.5%	14.6%
FCF Margin (TTM)	47.9%	18.0%
Net Income (TTM)	$565M	$297M
FCF (TTM)	$2.17B	$364M
EPS (TTM)	$13.88	$8.24
ROE (TTM)	17.1%	8.2%
ROA (TTM)	2.5%	2.1%
ROIC (TTM)	2.7%	2.3%
Financial Health
Cash	$3.68B	$172M
Debt	$18.02B	$9.26B
Net Cash/Debt	$-14.33B	$-9.09B
Current Ratio (TTM)	1.36x	0.11x
Quick Ratio (TTM)	1.36x	0.11x
Debt/Equity (TTM)	5.35x	2.46x
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	0.79
52W Performance	82.8%	-2.8%
YTD Performance	33.6%	-2.9%
% from 52W High	-12.2%	-13.2%
% from 52W Low	86.8%	7.4%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	0.14x
FCF Yield (TTM)	56.2%	8.1%
Earnings Yield (TTM)	14.6%	6.6%
Dividend Yield (TTM)	1.2%	1.0%
Other
Rule of 40	47.7	18.9
EV/GP/RG	1.07	1.25
Ticker research	View BFH research	View NNI research

Valuation

P/E Ratio

BFH

7.25x

NNI

15.21x

P/S Ratio

BFH

0.85x

NNI

2.22x

EV/FCF

BFH

8.39x

NNI

37.33x

Growth & revenue

Revenue Growth TTM

NNI

1.0%

BFH

-0.2%

Forward Revenue Growth

NNI

6.4%

BFH

4.0%

Profitability & performance

Gross Margin

BFH

92.9%

NNI

67.3%

ROE

BFH

17.1%

NNI

8.2%

FCF Yield %

BFH

56.2%

NNI

8.1%

52-Week Performance

BFH

82.8%

NNI

-2.8%

Detailed metrics comparison

BFH

Bread Financial Holdings Inc

NNI

Nelnet Inc

Market Cap

BFH$3.86B

NNI$4.50B

Enterprise Value

BFH$18.20B

NNI$13.59B

Price

BFH$100.58

NNI$125.26

P/E Ratio

BFH7.25x

NNI15.21x

P/S Ratio

BFH0.85x

NNI2.22x

EV/Sales

BFH4.02x

NNI6.70x

EV/EBITDA

BFH11.10x

NNI23.72x

P/B Ratio

BFH1.12x

NNI1.18x

P/FCF Ratio

BFH1.78x

NNI12.36x

EV/FCF

BFH8.39x

NNI37.33x

PEG Ratio

BFH0.06x

NNIN/A

Forward P/E (NTM)

BFH7.96x

NNI14.89x

Forward P/S (NTM)

BFH0.94x

NNI2.57x

Revenue (TTM)

BFH$4.53B

NNI$2.03B

Revenue Growth (YoY)

BFH-0.2%

NNI1.0%

Forward Rev Growth

BFH4.0%

NNI6.4%

Gross Margin (TTM)

BFH92.9%

NNI67.3%

Operating Margin (TTM)

BFH15.1%

NNI16.0%

EBITDA Margin (TTM)

BFH35.6%

NNI22.7%

Net Margin (TTM)

BFH12.5%

NNI14.6%

FCF Margin (TTM)

BFH47.9%

NNI18.0%

Net Income (TTM)

BFH$565M

NNI$297M

FCF (TTM)

BFH$2.17B

NNI$364M

EPS (TTM)

BFH$13.88

NNI$8.24

ROE (TTM)

BFH17.1%

NNI8.2%

ROA (TTM)

BFH2.5%

NNI2.1%

ROIC (TTM)

BFH2.7%

NNI2.3%

Cash

BFH$3.68B

NNI$172M

Debt

BFH$18.02B

NNI$9.26B

Net Cash/Debt

BFH$-14.33B

NNI$-9.09B

Current Ratio (TTM)

BFH1.36x

NNI0.11x

Quick Ratio (TTM)

BFH1.36x

NNI0.11x

Debt/Equity (TTM)

BFH5.35x

NNI2.46x

Debt/Assets (TTM)

BFH0.0%

NNI0.0%

Interest Coverage (TTM)

BFHN/A

NNIN/A

Net Debt/EBITDA (TTM)

BFH0.00x

NNI0.00x

Beta

BFH1.30

NNI0.79

52W Performance

BFH82.8%

NNI-2.8%

YTD Performance

BFH33.6%

NNI-2.9%

% from 52W High

BFH-12.2%

NNI-13.2%

% from 52W Low

BFH86.8%

NNI7.4%

Asset Turnover (TTM)

BFH0.20x

NNI0.14x

FCF Yield (TTM)

BFH56.2%

NNI8.1%

Earnings Yield (TTM)

BFH14.6%

NNI6.6%

Dividend Yield (TTM)

BFH1.2%

NNI1.0%

Rule of 40

BFH47.7

NNI18.9

EV/GP/RG

BFH1.07

NNI1.25

Ticker research

View BFH research View NNI research

Metric	BFH Bread Financial Holdings Inc	NNI Nelnet Inc
Market & Valuation
Market Cap	$3.86B	$4.50B
Enterprise Value	$18.20B	$13.59B
Price	$100.58	$125.26
P/E Ratio	7.25x	15.21x
P/S Ratio	0.85x	2.22x
EV/Sales	4.02x	6.70x
EV/EBITDA	11.10x	23.72x
P/B Ratio	1.12x	1.18x
P/FCF Ratio	1.78x	12.36x
EV/FCF	8.39x	37.33x
PEG Ratio	0.06x	N/A
Forward P/E (NTM)	7.96x	14.89x
Forward P/S (NTM)	0.94x	2.57x
Revenue & Growth
Revenue (TTM)	$4.53B	$2.03B
Revenue Growth (YoY)	-0.2%	1.0%
Forward Rev Growth	4.0%	6.4%
Profitability
Gross Margin (TTM)	92.9%	67.3%
Operating Margin (TTM)	15.1%	16.0%
EBITDA Margin (TTM)	35.6%	22.7%
Net Margin (TTM)	12.5%	14.6%
FCF Margin (TTM)	47.9%	18.0%
Net Income (TTM)	$565M	$297M
FCF (TTM)	$2.17B	$364M
EPS (TTM)	$13.88	$8.24
ROE (TTM)	17.1%	8.2%
ROA (TTM)	2.5%	2.1%
ROIC (TTM)	2.7%	2.3%
Financial Health
Cash	$3.68B	$172M
Debt	$18.02B	$9.26B
Net Cash/Debt	$-14.33B	$-9.09B
Current Ratio (TTM)	1.36x	0.11x
Quick Ratio (TTM)	1.36x	0.11x
Debt/Equity (TTM)	5.35x	2.46x
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	0.79
52W Performance	82.8%	-2.8%
YTD Performance	33.6%	-2.9%
% from 52W High	-12.2%	-13.2%
% from 52W Low	86.8%	7.4%
Efficiency & Yields
Asset Turnover (TTM)	0.20x	0.14x
FCF Yield (TTM)	56.2%	8.1%
Earnings Yield (TTM)	14.6%	6.6%
Dividend Yield (TTM)	1.2%	1.0%
Other
Rule of 40	47.7	18.9
EV/GP/RG	1.07	1.25
Ticker research	View BFH research	View NNI research