Bread Financial [BFH] vs FirstCash Holdings [FCFS] Detailed Stock Comparison

Bread Financial Holdings Inc.

NYSE
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FirstCash Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Bread Financial Holdings Inc. wins in 12 metrics, FirstCash Holdings Inc. wins in 7 metrics, with 0 ties. Bread Financial Holdings Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Bread Financial Holdings Inc. FirstCash Holdings Inc. Better
P/E Ratio (TTM) 8.43 27.71 Bread Financial Holdings Inc.
Price-to-Book Ratio 1.23 3.97 Bread Financial Holdings Inc.
Debt-to-Equity Ratio 1.32 112.82 Bread Financial Holdings Inc.
PEG Ratio 7.74 1.03 FirstCash Holdings Inc.
EV/EBITDA N/A 16.77 N/A
Profit Margin (TTM) 19.90% 9.02% Bread Financial Holdings Inc.
Operating Margin (TTM) 16.94% 17.30% FirstCash Holdings Inc.
EBITDA Margin (TTM) 16.94% 17.30% FirstCash Holdings Inc.
Return on Equity 16.34% 15.26% Bread Financial Holdings Inc.
Return on Assets (TTM) 2.29% 7.33% FirstCash Holdings Inc.
Free Cash Flow (TTM) $2.09B $531.04M Bread Financial Holdings Inc.
Dividend Yield 1.24% 1.10% Bread Financial Holdings Inc.
1-Year Return 73.83% 71.93% Bread Financial Holdings Inc.
Price-to-Sales Ratio (TTM) 1.53 2.48 Bread Financial Holdings Inc.
Enterprise Value $4.73B $11.49B FirstCash Holdings Inc.
EV/Revenue Ratio 1.82 3.14 Bread Financial Holdings Inc.
Gross Profit Margin (TTM) N/A 50.06% N/A
Revenue per Share (TTM) $56 $83 FirstCash Holdings Inc.
Earnings per Share (Diluted) $10.96 $7.42 Bread Financial Holdings Inc.
Beta (Stock Volatility) 1.14 0.47 FirstCash Holdings Inc.
Short % of Float 0.02% 2.87% Bread Financial Holdings Inc.

Bread Financial Holdings Inc. vs FirstCash Holdings Inc. Stock Performance Analysis

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BFH
FCFS

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Bread Financial Holdings Inc.3.16%-1.73%5.74%21.49%24.03%17.34%
FirstCash Holdings Inc.1.01%-4.80%-0.58%12.80%35.70%40.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Bread Financial Holdings Inc.73.83%188.35%-5.56%-50.09%24.19%102.29%
FirstCash Holdings Inc.71.93%119.58%168.18%390.65%472.24%907.84%

Performance & Financial Health Analysis: Bread Financial Holdings Inc. vs FirstCash Holdings Inc.

MetricBFHFCFS
Market Information
Market Cap i$3.97B$9.37B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i596,835287,919
90 Day Avg. Volume i647,532348,726
Last Close$91.15$222.44
52 Week Range$49.17 - $99.13$119.21 - $235.97
% from 52W High-8.05%-5.73%
All-Time High$249.00 (Apr 20, 2015)$235.03 (May 27, 2026)
% from All-Time High-63.39%-5.36%
Growth Metrics
Quarterly Revenue Growth0.19%0.20%
Quarterly Earnings Growth6.71%0.25%
Financial Health
Profit Margin (TTM) i0.20%0.09%
Operating Margin (TTM) i0.17%0.17%
Return on Equity (TTM) i0.16%0.15%
Debt to Equity (MRQ) i1.32112.82
Cash & Liquidity
Book Value per Share (MRQ)$75.44$51.77
Cash per Share (MRQ)$83.59$2.85
Operating Cash Flow (TTM) i$2.09B$585.94M
Levered Free Cash Flow (TTM) i$518.00M$232.38M
Dividends
Last 12-Month Dividend Yield i1.24%1.10%
Last 12-Month Dividend i$0.88$2.02

Valuation & Enterprise Metrics Analysis: Bread Financial Holdings Inc. vs FirstCash Holdings Inc.

MetricBFH (Apr 24, 2026)FCFS (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.4327.71
Forward P/E i7.7416.70
PEG Ratio i7.741.03
Price to Sales (TTM) i1.532.48
Price to Book (MRQ) i1.233.97
Market Capitalization
Market Capitalization i$3.97B$9.37B
Enterprise Value i$4.73B$11.49B
Enterprise Value Metrics
Enterprise to Revenue i1.823.14
Enterprise to EBITDA iN/A16.77
Risk & Other Metrics
Beta i1.140.47
Book Value per Share (MRQ) i$75.44$51.77

Financial Statements Comparison: Bread Financial Holdings Inc. vs FirstCash Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBFH (2025)FCFS (2025)
Revenue/Sales i3.85B3.66B
Cost of Goods Sold iN/A1.82B
COGS % of Revenue i0.0%49.7%
Gross Profit iN/A1.84B
Gross Margin i0.0%50.3%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A562.23M
Operating Margin i0.0%15.4%
EBITDA iN/A1.01B
EBITDA Margin i0.0%27.6%
Pre-Tax Income i615.00M447.56M
Pre-Tax Income % of Revenue i16.0%12.2%
Income Tax i94.00M117.19M
Income Tax % of Revenue i2.4%3.2%
Net Income (Profit) i518.00M330.38M
Profit Margin i13.5%9.0%

Balance Sheet & Liquidity Metrics

MetricBFH (2025)FCFS (2025)
Cash & Equivalents i3.60B125.20M
Total Current Assets iN/A1.86B
Total Current Assets % of Revenue i0.0%50.7%
Total Current Liabilities iN/A407.81M
Total Current Liabilities % of Revenue i0.0%11.1%
Long-Term Debt i4.39B2.46B
Long-Term Debt % of Revenue i114.3%67.1%
Total Shareholders Equity i3.33B2.28B
Retained Earnings i1.48B1.67B
Retained Earnings % of Revenue i38.4%45.6%
Property, Plant & Equipment i180.00M365.62M

Cash Flow Statement Comparison

MetricBFH (2025)FCFS (2025)
Operating Cash Flow i688.00M381.14M
Operating Cash Flow % of Revenue i17.9%10.4%
Capital Expenditures iN/A-54.91M
Free Cash Flow i2.09B531.04M
FCF Margin i54.4%14.5%
Debt Repayment i-3.14B-427.38M
Common Stock Repurchase i-313.00M-115.85M

Short Interest & Institutional Ownership Analysis

MetricBFHFCFS
Shares Short i6,913903,847
Short Ratio i0.012.67
Short % of Float i0.02%2.87%
Shares Outstanding i44.10M43.98M
Float Shares i42.49M38.76M
% Held by Insiders i1.44%11.82%
% Held by Institutions i118.05%91.86%
% Held by Public i-19.49%-3.68%

Dividend Analysis & Yield Comparison: Bread Financial Holdings Inc. vs FirstCash Holdings Inc.

MetricBFHFCFS
Last 12-Month Dividend i$0.88$2.02
Last 12-Month Dividend Yield i1.24%1.10%
3-Year Avg Annual Dividend i$0.85$1.61
3-Year Avg Dividend Yield i0.48%0.31%
3-Year Total Dividends i$2.56$4.84
Ex-Dividend DateFeb 27, 2026Feb 18, 2026