Bread Financial Holdings vs SoFi Technologies
Bread Financial Holdings and SoFi Technologies are similar in size: $3.85bn and $3.61bn of revenue in their latest fiscal years. SoFi Technologies grew faster (35.1% against 0.2%). Bread Financial Holdings kept more of each dollar of sales as profit: a net margin of 13.5% against 13.3%.
| Latest fiscal year | Bread Financial HoldingsBFH, 2025 | SoFi TechnologiesSOFI, 2025 |
|---|---|---|
| Revenue | $3.85bn | $3.61bn |
| Revenue growth | 0.2% | 35.1% |
| Net income | $518m | $481m |
| Operating margin | — | — |
| Net margin | 13.5% | 13.3% |
| Return on equity | 16.2% | 5.7% |
| Free cash flow | $2.09bn | −$3.98bn |
| Cash | $3.60bn | $4.93bn |
| Total debt | $4.31bn | $1.83bn |
| Debt to equity | — | — |
| Dividend per share | $0.86 | — |
| Dividend yield | 1.0% | — |
| Share buybacks | $313m | — |
| Employees | 6,000 | 6,100 |
| Market value | $4.03bn | $21.61bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 32 (Weak) |
| Insider trades, 12 months | 4 buys, 5 sales | 7 buys, 19 sales |