COMP <GO>
BFH vs MMS // PIOTROSKI F-SCORE QUALITY
Bread Financial Holdings Inc. (NYSE) VS. Maximus Inc. (NYSE) • 15-METRIC TALLY: BFH 8
— MMS 4
▲ PIOTROSKI F-SCORE QUALITY LEADER: BFH
LAST: $105.66 (+0.89%) • MKT CAP: $4.01B
piotroski-score
8/9
LAST: $62.84 (+1.67%) • MKT CAP: $3.29B
piotroski-score
7/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BFH VS. MMS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BFH | MMS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | 24.60% | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.40% | 13.50% | -7.10 | MMS | /roic <GO> |
| EV/EBITDA & P/E Valuation | 12.6x | 8.8x | +3.80 | MMS | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 13.05% | +8.95 | BFH | /fcf-yield <GO> |
| Operating Margin | 56.30% | 9.70% | +46.60 | BFH | /operating-margins <GO> |
| Net Profit Margin | 46.10% | 5.90% | +40.20 | BFH | /net-margins <GO> |
| Revenue Growth (YoY) | 12.10% | 2.40% | +9.70 | BFH | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.00% | 0.00% | +1.00 | BFH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.48 | 3.10 | -2.62 | MMS | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 8/9 | 7/9 | +1.00 | BFH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.1 | 67.0 | -11.86 | MMS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.12 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.5x | 9.6x | -3.10 | BFH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.01B | $3.29B | $720.8M | BFH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BFH REV | MMS REV | BFH GROSS % | MMS GROSS % | BFH FCF | MMS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $5.43B | — | 24.6% | $2.09B | $429.4M |
| FY 2024 | $0 | $5.31B | — | 23.6% | $1.86B | $515.3M |
| FY 2023 | $0 | $4.90B | — | — | $1.99B | $314.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BFH // BETA 1.12
MMS // BETA —