Bread Financial Holdings vs Firstcash Holdings
Bread Financial Holdings and Firstcash Holdings are similar in size: $3.85bn and $3.66bn of revenue in their latest fiscal years. Firstcash Holdings grew faster (8.0% against 0.2%). Bread Financial Holdings kept more of each dollar of sales as profit: a net margin of 13.5% against 9.0%.
| Latest fiscal year | Bread Financial HoldingsBFH, 2025 | Firstcash HoldingsFCFS, 2025 |
|---|---|---|
| Revenue | $3.85bn | $3.66bn |
| Revenue growth | 0.2% | 8.0% |
| Net income | $518m | $330m |
| Operating margin | — | — |
| Net margin | 13.5% | 9.0% |
| Return on equity | 16.2% | 15.3% |
| Free cash flow | $2.09bn | $531m |
| Cash | $3.60bn | $125m |
| Total debt | $4.31bn | $2.21bn |
| Debt to equity | — | 97.0% |
| Dividend per share | $0.86 | $1.60 |
| Dividend yield | 1.0% | — |
| Share buybacks | $313m | $116m |
| Employees | 6,000 | 8,300 |
| Market value | $4.03bn | $8.44bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 59 (Moderate) |
| Insider trades, 12 months | 4 buys, 5 sales | 0 buys, 29 sales |