COMP <GO>
BFH vs PAY // ALTMAN Z-SCORE & DEBT/EQUITY
Bread Financial Holdings Inc. (NYSE) VS. Paymentus Holdings Inc. (Class A) (NYSE) • 15-METRIC TALLY: BFH 8
— PAY 4
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: PAY
LAST: $105.66 (+0.89%) • MKT CAP: $4.01B
balance-sheet
0.48
LAST: $32.26 (+2.02%) • MKT CAP: $4.06B
balance-sheet
25.80
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BFH VS. PAY)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BFH | PAY | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | 24.80% | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.40% | 24.90% | -18.50 | PAY | /roic <GO> |
| EV/EBITDA & P/E Valuation | 12.6x | 49.3x | -36.70 | BFH | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 3.98% | +18.02 | BFH | /fcf-yield <GO> |
| Operating Margin | 56.30% | 6.30% | +50.00 | BFH | /operating-margins <GO> |
| Net Profit Margin | 46.10% | 5.60% | +40.50 | BFH | /net-margins <GO> |
| Revenue Growth (YoY) | 12.10% | 37.30% | -25.20 | PAY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.00% | 0.00% | +1.00 | BFH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 0.48 | 25.80 | -25.32 | PAY | /balance-sheet <GO> |
| Piotroski F-Score Quality | 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 | 51.6 | +3.46 | BFH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.12 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.5x | 51.0x | -44.50 | BFH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.01B | $4.06B | -$51.8M | PAY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BFH REV | PAY REV | BFH GROSS % | PAY GROSS % | BFH FCF | PAY FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $1.20B | — | 24.8% | $2.09B | $161.8M |
| FY 2024 | $0 | $871.7M | — | 27.3% | $1.86B | $63.2M |
| FY 2023 | $0 | $614.5M | — | — | $1.99B | $68.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BFH // BETA 1.12
PAY // BETA —