Bread Financial [BFH] vs SLM [SLM] Detailed Stock Comparison
Bread Financial
NYSE
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SLM
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Bread Financial wins in 8 metrics, SLM wins in 10 metrics, with 0 ties. SLM appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Bread Financial | SLM | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.36 | 13.37 | Bread Financial |
| Price-to-Book Ratio | 0.82 | 2.70 | Bread Financial |
| Debt-to-Equity Ratio | 1.34 | 269.94 | Bread Financial |
| PEG Ratio | 0.90 | -0.19 | SLM |
| Profit Margin (TTM) | 11.62% | 36.64% | SLM |
| Operating Margin (TTM) | 26.57% | 34.38% | SLM |
| EBITDA Margin (TTM) | 26.57% | 34.38% | SLM |
| Return on Equity | 9.15% | 18.99% | SLM |
| Return on Assets (TTM) | 1.32% | 1.51% | SLM |
| Free Cash Flow (TTM) | $1.86B | $-329.40M | Bread Financial |
| Dividend Yield | 1.19% | 1.92% | SLM |
| 1-Year Return | 7.79% | 16.54% | SLM |
| Price-to-Sales Ratio (TTM) | 1.06 | 4.76 | Bread Financial |
| Enterprise Value | $3.03B | $8.26B | SLM |
| EV/Revenue Ratio | 1.23 | 6.85 | Bread Financial |
| Revenue per Share (TTM) | $50 | $6 | Bread Financial |
| Earnings per Share (Diluted) | $5.95 | $2.06 | Bread Financial |
| Beta (Stock Volatility) | 1.44 | 1.12 | SLM |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Bread Financial vs SLM 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% |
| SLM | -0.29% | -3.25% | -10.91% | -21.16% | 8.78% | -0.84% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Bread Financial | 7.79% | 74.76% | 24.79% | -75.33% | 0.40% | 82.45% |
| SLM | 16.54% | 79.37% | 188.20% | 291.34% | 576.31% | 44.41% |
News Based Sentiment: Bread Financial vs SLM
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.
SLM
News based Sentiment: MIXED
October was a month of conflicting signals for SLM, with an earnings miss offset by a revenue beat, a strategic shift towards higher-quality loans, and a generally positive analyst outlook tempered by insider selling and a declining stock price. The company is navigating a challenging environment, making it a cautiously optimistic investment.
Performance & Financial Health Analysis: Bread Financial vs SLM
| Metric | BFH | SLM |
|---|---|---|
| Market Information | ||
| Market Cap | $2.82B | $5.85B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 755,830 | 3,219,710 |
| 90 Day Avg. Volume | 644,797 | 2,976,910 |
| Last Close | $55.42 | $27.04 |
| 52 Week Range | $38.21 - $68.01 | $21.10 - $34.97 |
| % from 52W High | -18.51% | -22.68% |
| All-Time High | $249.00 (Apr 20, 2015) | $34.97 (Jul 08, 2025) |
| % from All-Time High | -77.74% | -22.68% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.01% | -0.49% |
| Quarterly Earnings Growth | 0.05% | -0.72% |
| Financial Health | ||
| Profit Margin (TTM) | 0.12% | 0.37% |
| Operating Margin (TTM) | 0.27% | 0.34% |
| Return on Equity (TTM) | 0.09% | 0.19% |
| Debt to Equity (MRQ) | 1.34 | 269.94 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $67.94 | $10.19 |
| Cash per Share (MRQ) | $81.45 | $19.87 |
| Operating Cash Flow (TTM) | $1.85B | $-393,662,016 |
| Levered Free Cash Flow (TTM) | $277.00M | $590.03M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.19% | 1.92% |
| Last 12-Month Dividend | $0.63 | $0.63 |
Valuation & Enterprise Metrics Analysis: Bread Financial vs SLM
| Metric | BFH | SLM |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.36 | 13.37 |
| Forward P/E | 9.91 | 9.18 |
| PEG Ratio | 0.90 | -0.19 |
| Price to Sales (TTM) | 1.06 | 4.76 |
| Price to Book (MRQ) | 0.82 | 2.70 |
| Market Capitalization | ||
| Market Capitalization | $2.82B | $5.85B |
| Enterprise Value | $3.03B | $8.26B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.23 | 6.85 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.44 | 1.12 |
| Book Value per Share (MRQ) | $67.94 | $10.19 |
Financial Statements Comparison: Bread Financial vs SLM
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 | SLM |
|---|---|---|
| Revenue/Sales | $929.00M | $403.60M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $174.00M | $87.63M |
| Income Tax | $35.00M | $16.36M |
| Net Income (Profit) | $139.00M | $71.27M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | BFH | SLM |
|---|---|---|
| Cash & Equivalents | $4.21B | $3.70B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $5.12B | $6.15B |
| Total Shareholders Equity | $3.07B | $2.40B |
| Retained Earnings | $1.13B | $4.39B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | BFH | SLM |
|---|---|---|
| Operating Cash Flow | $74.00M | $16.04M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $393.00M | $-146.05M |
| Debt Repayment | $-835.00M | $-788.84M |
| Common Stock Repurchase | $-103.00M | $-29.70M |
Short Interest & Institutional Ownership Analysis
| Metric | BFH | SLM |
|---|---|---|
| Shares Short | 4.42M | 14.28M |
| Short Ratio | 8.53 | 5.58 |
| Short % of Float | 0.12% | 0.08% |
| Average Daily Volume (10 Day) | 755,830 | 3,219,710 |
| Average Daily Volume (90 Day) | 644,797 | 2,976,910 |
| Shares Outstanding | 49.10M | 210.38M |
| Float Shares | 46.20M | 206.28M |
| % Held by Insiders | 0.01% | 0.01% |
| % Held by Institutions | 1.07% | 1.11% |
Dividend Analysis & Yield Comparison: Bread Financial vs SLM
| Metric | BFH | SLM |
|---|---|---|
| Last 12-Month Dividend | $0.63 | $0.63 |
| Last 12-Month Dividend Yield | 1.19% | 1.92% |
| 3-Year Avg Annual Dividend | $0.84 | $0.50 |
| 3-Year Avg Dividend Yield | 0.53% | 0.58% |
| 3-Year Total Dividends | $2.52 | $1.51 |
| Ex-Dividend Date | Feb 14, 2025 | Sep 04, 2025 |