Bread Financial [BFH] vs FirstCash Holdings [FCFS] Detailed Stock Comparison
Bread Financial
NYSE
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FirstCash Holdings
NASDAQ
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Bread Financial wins in 10 metrics, FirstCash Holdings wins in 7 metrics, with 0 ties. Bread Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Bread Financial | FirstCash Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.36 | 23.35 | Bread Financial |
| Price-to-Book Ratio | 0.82 | 3.15 | Bread Financial |
| Debt-to-Equity Ratio | 1.34 | 94.52 | Bread Financial |
| PEG Ratio | 0.90 | 1.02 | Bread Financial |
| EV/EBITDA | N/A | 14.51 | N/A |
| Profit Margin (TTM) | 11.62% | 8.61% | Bread Financial |
| Operating Margin (TTM) | 26.57% | 12.67% | Bread Financial |
| EBITDA Margin (TTM) | 26.57% | 12.67% | Bread Financial |
| Return on Equity | 9.15% | 14.17% | FirstCash Holdings |
| Return on Assets (TTM) | 1.32% | 6.97% | FirstCash Holdings |
| Free Cash Flow (TTM) | $1.86B | $471.71M | Bread Financial |
| Dividend Yield | 1.19% | N/A | N/A |
| 1-Year Return | 7.79% | 36.25% | FirstCash Holdings |
| Price-to-Sales Ratio (TTM) | 1.06 | 1.99 | Bread Financial |
| Enterprise Value | $3.03B | $8.66B | FirstCash Holdings |
| EV/Revenue Ratio | 1.23 | 2.56 | Bread Financial |
| Gross Profit Margin (TTM) | N/A | 49.70% | N/A |
| Revenue per Share (TTM) | $50 | $76 | FirstCash Holdings |
| Earnings per Share (Diluted) | $5.95 | $6.50 | FirstCash Holdings |
| Beta (Stock Volatility) | 1.44 | 0.69 | FirstCash Holdings |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Bread Financial vs FirstCash Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Bread Financial | 1.19% | -5.68% | -16.47% | -8.09% | 24.70% | -9.43% |
| FirstCash Holdings | -0.79% | 0.17% | 4.72% | 13.98% | 28.91% | 50.99% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Bread Financial | 7.79% | 74.76% | 24.79% | -75.33% | 0.40% | 82.45% |
| FirstCash Holdings | 36.25% | 97.93% | 159.55% | 264.81% | 445.42% | 1,181.22% |
News Based Sentiment: Bread Financial vs FirstCash Holdings
Bread Financial
News based Sentiment: MIXED
October brought a flurry of analyst activity with both price target increases and decreases, alongside growing institutional ownership but a bearish options outlook. The upcoming Q3 earnings call on October 23rd is a key catalyst for resolving this uncertainty and will significantly shape the investment narrative.
FirstCash Holdings
News based Sentiment: MIXED
FirstCash experienced a positive month with analyst upgrades and strong earnings, but this was tempered by notable insider selling. The mixed signals – positive external views versus internal selling – create a nuanced investment picture, making this a significant month for the stock's trajectory.
Performance & Financial Health Analysis: Bread Financial vs FirstCash Holdings
| Metric | BFH | FCFS |
|---|---|---|
| Market Information | ||
| Market Cap | $2.82B | $6.80B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 755,830 | 422,360 |
| 90 Day Avg. Volume | 644,797 | 319,773 |
| Last Close | $55.42 | $153.67 |
| 52 Week Range | $38.21 - $68.01 | $100.24 - $158.93 |
| % from 52W High | -18.51% | -3.31% |
| All-Time High | $249.00 (Apr 20, 2015) | $158.93 (Sep 26, 2025) |
| % from All-Time High | -77.74% | -3.31% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.01% | -0.01% |
| Quarterly Earnings Growth | 0.05% | 0.22% |
| Financial Health | ||
| Profit Margin (TTM) | 0.12% | 0.09% |
| Operating Margin (TTM) | 0.27% | 0.13% |
| Return on Equity (TTM) | 0.09% | 0.14% |
| Debt to Equity (MRQ) | 1.34 | 94.52 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $67.94 | $48.24 |
| Cash per Share (MRQ) | $81.45 | $2.29 |
| Operating Cash Flow (TTM) | $1.85B | $554.73M |
| Levered Free Cash Flow (TTM) | $277.00M | $576.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.19% | N/A |
| Last 12-Month Dividend | $0.63 | N/A |
Valuation & Enterprise Metrics Analysis: Bread Financial vs FirstCash Holdings
| Metric | BFH | FCFS |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.36 | 23.35 |
| Forward P/E | 9.91 | 19.17 |
| PEG Ratio | 0.90 | 1.02 |
| Price to Sales (TTM) | 1.06 | 1.99 |
| Price to Book (MRQ) | 0.82 | 3.15 |
| Market Capitalization | ||
| Market Capitalization | $2.82B | $6.80B |
| Enterprise Value | $3.03B | $8.66B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.23 | 2.56 |
| Enterprise to EBITDA | N/A | 14.51 |
| Risk & Other Metrics | ||
| Beta | 1.44 | 0.69 |
| Book Value per Share (MRQ) | $67.94 | $48.24 |
Financial Statements Comparison: Bread Financial vs FirstCash Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | BFH | FCFS |
|---|---|---|
| Revenue/Sales | $929.00M | $830.62M |
| Cost of Goods Sold | N/A | $417.81M |
| Gross Profit | N/A | $412.82M |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | $105.20M |
| EBITDA | N/A | $213.06M |
| Pre-Tax Income | $174.00M | $81.08M |
| Income Tax | $35.00M | $21.27M |
| Net Income (Profit) | $139.00M | $59.81M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | BFH | FCFS |
|---|---|---|
| Cash & Equivalents | $4.21B | $146.03M |
| Total Current Assets | N/A | $1.33B |
| Total Current Liabilities | N/A | $301.89M |
| Long-Term Debt | $5.12B | $1.94B |
| Total Shareholders Equity | $3.07B | $2.06B |
| Retained Earnings | $1.13B | $1.48B |
| Property, Plant & Equipment | N/A | $1.05B |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | BFH | FCFS |
|---|---|---|
| Operating Cash Flow | $74.00M | $83.67M |
| Capital Expenditures | N/A | $-12.91M |
| Free Cash Flow | $393.00M | $113.73M |
| Debt Repayment | $-835.00M | $-129.00M |
| Common Stock Repurchase | $-103.00M | $-59.61M |
Short Interest & Institutional Ownership Analysis
| Metric | BFH | FCFS |
|---|---|---|
| Shares Short | 4.42M | 413,303 |
| Short Ratio | 8.53 | 1.58 |
| Short % of Float | 0.12% | 0.01% |
| Average Daily Volume (10 Day) | 755,830 | 422,360 |
| Average Daily Volume (90 Day) | 644,797 | 319,773 |
| Shares Outstanding | 49.10M | 44.75M |
| Float Shares | 46.20M | 39.24M |
| % Held by Insiders | 0.01% | 0.12% |
| % Held by Institutions | 1.07% | 0.89% |
Dividend Analysis & Yield Comparison: Bread Financial vs FirstCash Holdings
| Metric | BFH | FCFS |
|---|---|---|
| Last 12-Month Dividend | $0.63 | N/A |
| Last 12-Month Dividend Yield | 1.19% | N/A |
| 3-Year Avg Annual Dividend | $0.84 | N/A |
| 3-Year Avg Dividend Yield | 0.53% | N/A |
| 3-Year Total Dividends | $2.52 | N/A |
| Ex-Dividend Date | Feb 14, 2025 | N/A |