COMP <GO>
BFH vs MA // ENTERPRISE SCALE & MARKET CAP
Bread Financial Holdings Inc. (NYSE) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: BFH 6
— MA 7
▲ ENTERPRISE SCALE & MARKET CAP LEADER: MA
LAST: $103.41 (-2.13%) • MKT CAP: $4.01B
market-cap
$4.01B
LAST: $638.01 (+0.36%) • MKT CAP: $556.88B
market-cap
$556.88B
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BFH VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BFH | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.40% | 33.50% | -27.10 | MA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 12.6x | 29.2x | -16.60 | BFH | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 3.08% | +18.92 | BFH | /fcf-yield <GO> |
| Operating Margin | 56.30% | 57.60% | -1.30 | MA | /operating-margins <GO> |
| Net Profit Margin | 46.10% | 45.60% | +0.50 | BFH | /net-margins <GO> |
| Revenue Growth (YoY) | 12.10% | 16.40% | -4.30 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.00% | 0.49% | +0.51 | BFH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.48 | 11.17 | -10.69 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.30% | 6.60% | +0.70 | MA | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.1 | 70.6 | -19.54 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.12 | 0.90 | +0.22 | BFH | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.5x | 31.2x | -24.70 | BFH | /forward-pe <GO> |
| Enterprise Scale & Market Cap ACTIVE | $4.01B | $556.88B | -$552.87B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BFH REV | MA REV | BFH GROSS % | MA GROSS % | BFH FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $32.79B | — | 44.0% | $2.09B | $17.16B |
| FY 2024 | $0 | $28.17B | — | 44.0% | $1.86B | $14.31B |
| FY 2023 | $0 | $25.10B | — | 44.0% | $1.99B | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BFH // BETA 1.12
MA // BETA 0.90