BFH vs. CACC, OMF, SLM, NNI, ENVA, OCSL, LC, LPRO, WRLD, and ATLC
Should you be buying Bread Financial stock or one of its competitors? The main competitors of Bread Financial include Credit Acceptance (CACC), OneMain (OMF), SLM (SLM), Nelnet (NNI), Enova International (ENVA), Oaktree Specialty Lending (OCSL), LendingClub (LC), Open Lending (LPRO), World Acceptance (WRLD), and Atlanticus (ATLC). These companies are all part of the "personal credit institutions" industry.
Bread Financial (NYSE:BFH) and Credit Acceptance (NASDAQ:CACC) are both mid-cap business services companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, profitability, earnings, analyst recommendations, valuation, community ranking, institutional ownership, media sentiment and risk.
Credit Acceptance received 326 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 51.31% of users gave Credit Acceptance an outperform vote while only 15.22% of users gave Bread Financial an outperform vote.
Credit Acceptance has a net margin of 12.83% compared to Bread Financial's net margin of 8.08%. Credit Acceptance's return on equity of 30.70% beat Bread Financial's return on equity.
Bread Financial has a beta of 1.92, indicating that its share price is 92% more volatile than the S&P 500. Comparatively, Credit Acceptance has a beta of 1.44, indicating that its share price is 44% more volatile than the S&P 500.
99.5% of Bread Financial shares are owned by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are owned by institutional investors. 0.6% of Bread Financial shares are owned by company insiders. Comparatively, 5.3% of Credit Acceptance shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
In the previous week, Credit Acceptance had 2 more articles in the media than Bread Financial. MarketBeat recorded 9 mentions for Credit Acceptance and 7 mentions for Bread Financial. Credit Acceptance's average media sentiment score of 1.54 beat Bread Financial's score of 0.95 indicating that Credit Acceptance is being referred to more favorably in the news media.
Bread Financial has higher revenue and earnings than Credit Acceptance. Bread Financial is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.
Bread Financial presently has a consensus target price of $39.17, suggesting a potential downside of 5.51%. Credit Acceptance has a consensus target price of $402.33, suggesting a potential downside of 17.17%. Given Bread Financial's stronger consensus rating and higher possible upside, equities analysts plainly believe Bread Financial is more favorable than Credit Acceptance.
Summary
Credit Acceptance beats Bread Financial on 11 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding BFH and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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