BFH vs SLM: stock comparison and AI forecast
Bread Financial Holdings, Inc. (BFH) and Slm Corp (SLM) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BFH Bread Financial Holdings, Inc.
- Market Cap
- $4.03B
- P/E Ratio
- 8.3x
- Size
- mid-cap
- AI Forecast
SLM Slm Corp
- Market Cap
- $3.25B
- P/E Ratio
- 6.5x
- Size
- mid-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- BFH is 1.2 times larger than SLM by market capitalization ($4.03B against $3.25B).
- SLM trades at 6.5 times trailing earnings, BFH at 8.3 times.
- SLM turns 38.3% of its revenue into net income, against 11.2% for BFH.
- SLM carries 12.23 times debt per unit of equity, against 5.78 times for BFH.
- SLM yields 3.08% in dividends and BFH 0.94%.
- Both companies share the SEC industry classification Personal Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BFH | SLM |
|---|---|---|
| Market Cap | $4.03B | $3.25B |
| P/E Ratio | 8.33x | 6.47x |
| P/B Ratio | 1.17x | 1.44x |
| Dividend Yield | 0.94% | 3.08% |
| EPS | $12.75 | $2.75 |
| Book Value/Share | $90.54 | $12.34 |
| Revenue/Share | $126.13 | $8.10 |
Profitability & Margins
| Metric | BFH | SLM |
|---|---|---|
| ROE | 15.6% | 25.2% |
| ROA | 2.3% | 1.9% |
| Net Margin | 11.2% | 38.3% |
| EBT Margin | 14.5% | 49.8% |
| Tax Rate | 23.0% | 23.1% |
Financial Health
| Metric | BFH | SLM |
|---|---|---|
| D/E Ratio | 5.78x | 12.23x |
| Financial Leverage | 6.78x | 13.23x |
| Interest Coverage | 4.2x | – |
Cash Flow
| Metric | BFH | SLM |
|---|---|---|
| Operating Cash Flow | $2.19B | -$382M |
| OCF Growth YoY | 9.3% | – |
Operational Efficiency
| Metric | BFH | SLM |
|---|---|---|
| Asset Turnover | 0.21x | 0.05x |
| Fixed Assets Turnover | 49.4x | 12.1x |
Income Statement
| Metric | BFH | SLM |
|---|---|---|
| Total Revenue | $4.79B | $1.48B |
| Net Income | $537M | $567M |
Dividend & Shareholder Information
| Metric | BFH | SLM |
|---|---|---|
| Dividends Per Share | $1.00 | $0.55 |
| Payout Ratio | 7.8% | 20.0% |
| Shares Outstanding | 38M | 183M |
| Net Income Growth | 1578.1% | -9.0% |
| EPS Growth | 30.6% | -4.5% |
BFH vs SLM: stock comparison and AI forecast
Which is bigger, BFH or SLM?
BFH is 1.2 times larger than SLM by market capitalization ($4.03B against $3.25B).
Which is cheaper on earnings, BFH or SLM?
SLM trades at 6.5 times trailing earnings, BFH at 8.3 times.
Which one does Intratio's AI model rank higher, BFH or SLM?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.