Bread Financial Holdings vs Enova International
Bread Financial Holdings is the larger business, with $3.85bn of revenue in fiscal 2025 against $3.15bn for Enova International (1.2 times as much). Enova International grew faster (18.6% against 0.2%). Bread Financial Holdings kept more of each dollar of sales as profit: a net margin of 13.5% against 9.8%.
| Latest fiscal year | Bread Financial HoldingsBFH, 2025 | Enova InternationalENVA, 2025 |
|---|---|---|
| Revenue | $3.85bn | $3.15bn |
| Revenue growth | 0.2% | 18.6% |
| Net income | $518m | $308m |
| Operating margin | — | — |
| Net margin | 13.5% | 9.8% |
| Return on equity | 16.2% | 24.3% |
| Free cash flow | $2.09bn | $1.77bn |
| Cash | $3.60bn | $71.7m |
| Total debt | $4.31bn | $4.50bn |
| Debt to equity | — | — |
| Dividend per share | $0.86 | — |
| Dividend yield | 1.0% | — |
| Share buybacks | $313m | $215m |
| Employees | 6,000 | 1,836 |
| Market value | $4.03bn | $4.34bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 69 (Moderate) |
| Insider trades, 12 months | 4 buys, 5 sales | 0 buys, 35 sales |