Comprehensive Stock Comparison
Compare Bread Financial Holdings, Inc. (BFH) vs Enova International, Inc. (ENVA) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | ENVA | 18.6% revenue growth vs BFH's -7.3% |
| Value | BFH | Lower P/E (7.0x vs 9.0x) |
| Quality / Margins | ENVA | 9.8% net margin vs BFH's 5.8% |
| Stability / Safety | ENVA | Beta 1.38 vs BFH's 1.47 |
| Dividends | BFH | 1.2% yield; 1-year raise streak; ENVA pays no meaningful dividend |
| Momentum (1Y) | ENVA | +34.6% vs BFH's +32.9% |
| Efficiency (ROA) | ENVA | 4.8% ROA vs BFH's 2.2%, ROIC 10.4% vs 3.3% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Bread Financial is a financial technology company that provides private-label and co-branded credit card programs along with point-of-sale installment lending solutions. It generates revenue primarily from interest income on its loan portfolio — which includes credit cards and buy-now-pay-later products — and from merchant fees for payment processing services. The company's competitive advantage lies in its established partnerships with over 130 retail brands and its integrated technology platform that embeds financing options directly into merchant checkout experiences.
Enova International is an online financial services provider that offers installment loans, lines of credit, and other financing products to consumers and small businesses through digital platforms. It generates revenue primarily from interest and fees on its loans — with consumer lending accounting for roughly 80% of revenue and small business lending making up the remaining 20%. The company's competitive advantage lies in its proprietary technology and analytics platform that enables rapid, data-driven credit decisions for near-prime borrowers who are often underserved by traditional banks.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
ENVA leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). BFH leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
BFH is the larger business by revenue, generating $4.8B annually — 1.5x ENVA's $3.2B. Profitability is closely matched — net margins range from 9.8% (ENVA) to 5.8% (BFH).
| Metric | BFHBread Financial H… | ENVAEnova Internation… |
|---|---|---|
| RevenueTrailing 12 months | $4.8B | $3.2B |
| EBITDAEarnings before interest/tax | $623M | $781M |
| Net IncomeAfter-tax profit | $472M | $308M |
| Free Cash FlowCash after capex | $2.0B | $1.8B |
| Gross MarginGross profit ÷ Revenue | +50.9% | +50.1% |
| Operating MarginEBIT ÷ Revenue | +7.9% | +23.5% |
| Net MarginNet income ÷ Revenue | +5.8% | +9.8% |
| FCF MarginFCF ÷ Revenue | +38.7% | +56.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +100.0% | +30.4% |
Valuation Metrics
At 12.0x trailing earnings, ENVA trades at a 7% valuation discount to BFH's 12.9x P/E. On an enterprise value basis, ENVA's 10.1x EV/EBITDA is more attractive than BFH's 10.7x.
| Metric | BFHBread Financial H… | ENVAEnova Internation… |
|---|---|---|
| Market CapShares × price | $3.1B | $3.4B |
| Enterprise ValueMkt cap + debt − cash | $5.1B | $7.9B |
| Trailing P/EPrice ÷ TTM EPS | 12.88x | 12.01x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.03x | 8.97x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 10.75x | 10.06x |
| Price / SalesMarket cap ÷ Revenue | 0.64x | 1.09x |
| Price / BookPrice ÷ Book value/share | 1.17x | 2.74x |
| Price / FCFMarket cap ÷ FCF | 1.64x | 1.94x |
Profitability & Efficiency
ENVA delivers a 23.1% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $14 for BFH. BFH carries lower financial leverage with a 1.86x debt-to-equity ratio, signaling a more conservative balance sheet compared to ENVA's 3.37x. On the Piotroski fundamental quality scale (0–9), ENVA scores 6/9 vs BFH's 3/9, reflecting solid financial health.
| Metric | BFHBread Financial H… | ENVAEnova Internation… |
|---|---|---|
| ROE (TTM)Return on equity | +14.2% | +23.1% |
| ROA (TTM)Return on assets | +2.2% | +4.8% |
| ROICReturn on invested capital | +3.3% | +10.4% |
| ROCEReturn on capital employed | +2.4% | +13.5% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 6 |
| Debt / EquityFinancial leverage | 1.86x | 3.37x |
| Net DebtTotal debt minus cash | $2.0B | $4.4B |
| Cash & Equiv.Liquid assets | $3.7B | $72M |
| Total DebtShort + long-term debt | $5.7B | $4.5B |
| Interest CoverageEBIT ÷ Interest expense | 0.61x | 2.88x |
Total Returns (with DRIP)
A $10,000 investment in ENVA five years ago would be worth $44,143 today (with dividends reinvested), compared to $9,442 for BFH. Over the past 12 months, ENVA leads with a +34.6% total return vs BFH's +32.9%. The 3-year compound annual growth rate (CAGR) favors ENVA at 41.8% vs BFH's 21.4% — a key indicator of consistent wealth creation.
| Metric | BFHBread Financial H… | ENVAEnova Internation… |
|---|---|---|
| YTD ReturnYear-to-date | -5.6% | -14.1% |
| 1-Year ReturnPast 12 months | +32.9% | +34.6% |
| 3-Year ReturnCumulative with dividends | +78.8% | +185.2% |
| 5-Year ReturnCumulative with dividends | -5.6% | +341.4% |
| 10-Year ReturnCumulative with dividends | -51.0% | +2305.7% |
| CAGR (3Y)Annualised 3-year return | +21.4% | +41.8% |
Risk & Volatility
ENVA is the less volatile stock with a 1.38 beta — it tends to amplify market swings less than BFH's 1.47 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BFH currently trades 86.4% from its 52-week high vs ENVA's 78.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BFHBread Financial H… | ENVAEnova Internation… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.47x | 1.38x |
| 52-Week HighHighest price in past year | $82.03 | $176.68 |
| 52-Week LowLowest price in past year | $38.21 | $79.41 |
| % of 52W HighCurrent price vs 52-week peak | +86.4% | +78.7% |
| RSI (14)Momentum oscillator 0–100 | 60.7 | 46.6 |
| Avg Volume (50D)Average daily shares traded | 749K | 275K |
Analyst Outlook
Wall Street rates BFH as "Hold" and ENVA as "Buy". Consensus price targets imply 38.8% upside for ENVA (target: $193) vs 11.7% for BFH (target: $79). BFH is the only dividend payer here at 1.20% yield — a key consideration for income-focused portfolios.
| Metric | BFHBread Financial H… | ENVAEnova Internation… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $79.17 | $193.00 |
| # AnalystsCovering analysts | 37 | 10 |
| Dividend YieldAnnual dividend ÷ price | +1.2% | — |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $0.85 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +1.8% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Bread Financial Hol… (BFH) | 100 | 106.41 | +6.4% |
| Enova International… (ENVA) | 100 | 881.24 | +781.2% |
Enova International… (ENVA) returned +341% over 5 years vs Bread Financial Hol… (BFH)'s -6%. A $10,000 investment in ENVA 5 years ago would be worth $44,143 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Bread Financial Hol… (BFH) | $7.1B | $4.8B | -32.8% |
| Enova International… (ENVA) | $746M | $3.2B | +322.7% |
Enova International, Inc.'s revenue grew from $746M (2016) to $3.2B (2025) — a 17.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Bread Financial Hol… (BFH) | 7.2% | 5.8% | -20.1% |
| Enova International… (ENVA) | 4.6% | 9.8% | +110.8% |
Enova International, Inc.'s net margin went from 5% (2016) to 10% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Bread Financial Hol… (BFH) | 14.3 | 11.1 | -22.4% |
| Enova International… (ENVA) | 17.7 | 13.6 | -23.2% |
Bread Financial Holdings, Inc. has traded in a 2x–14x P/E range over 8 years; current trailing P/E is ~13x. Enova International, Inc. has traded in a 2x–18x P/E range over 9 years; current trailing P/E is ~12x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Bread Financial Hol… (BFH) | 7.34 | 5.5 | -25.1% |
| Enova International… (ENVA) | 1.03 | 11.58 | +1024.3% |
Enova International, Inc.'s EPS grew from $1.03 (2016) to $11.58 (2025) — a 31% CAGR.
Chart 6Free Cash Flow — 5 Years
Bread Financial Holdings, Inc. generated $2B FCF in 2024 (+27% vs 2021). Enova International, Inc. generated $2B FCF in 2025 (+301% vs 2021).
BFH vs ENVA: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is BFH or ENVA a better buy right now?
Enova International, Inc. (ENVA) offers the better valuation at 12.0x trailing P/E (9.0x forward), making it the more compelling value choice. Analysts rate Enova International, Inc. (ENVA) a "Buy" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BFH or ENVA?
On trailing P/E, Enova International, Inc. (ENVA) is the cheapest at 12.0x versus Bread Financial Holdings, Inc. at 12.9x. On forward P/E, Bread Financial Holdings, Inc. is actually cheaper at 7.0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — BFH or ENVA?
Over the past 5 years, Enova International, Inc. (ENVA) delivered a total return of +341.4%, compared to -5.6% for Bread Financial Holdings, Inc. (BFH). A $10,000 investment in ENVA five years ago would be worth approximately $44K today (assuming dividends reinvested). Over 10 years, the gap is even starker: ENVA returned +23.1% versus BFH's -51.0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BFH or ENVA?
By beta (market sensitivity over 5 years), Enova International, Inc. (ENVA) is the lower-risk stock at 1.38β versus Bread Financial Holdings, Inc.'s 1.47β — meaning BFH is approximately 6% more volatile than ENVA relative to the S&P 500. On balance sheet safety, Bread Financial Holdings, Inc. (BFH) carries a lower debt/equity ratio of 186% versus 3% for Enova International, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — BFH or ENVA?
Enova International, Inc. (ENVA) is the more profitable company, earning 9.8% net margin versus 5.8% for Bread Financial Holdings, Inc. — meaning it keeps 9.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ENVA leads at 23.5% versus 7.9% for BFH. At the gross margin level — before operating expenses — BFH leads at 50.9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is BFH or ENVA more undervalued right now?
On forward earnings alone, Bread Financial Holdings, Inc. (BFH) trades at 7.0x forward P/E versus 9.0x for Enova International, Inc. — 1.9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ENVA: 38.8% to $193.00.
07Which pays a better dividend — BFH or ENVA?
In this comparison, BFH (1.2% yield) pays a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.
08Is BFH or ENVA better for a retirement portfolio?
For long-horizon retirement investors, Bread Financial Holdings, Inc. (BFH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (1.2% yield). Both have compounded well over 10 years (BFH: -51.0%, ENVA: +23.1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between BFH and ENVA?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. BFH pays a dividend while ENVA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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