COMP <GO>
BFH vs V // FREE CASH FLOW YIELD
Bread Financial Holdings Inc. (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: BFH 6
— V 7
▲ FREE CASH FLOW YIELD LEADER: BFH
LAST: $105.66 (+0.89%) • MKT CAP: $4.01B
fcf-yield
22.00%
LAST: $410.54 (+2.48%) • MKT CAP: $733.53B
fcf-yield
2.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BFH VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BFH | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.40% | 32.30% | -25.90 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 12.6x | 28.9x | -16.30 | BFH | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 22.00% | 2.90% | +19.10 | BFH | /fcf-yield <GO> |
| Operating Margin | 56.30% | 60.00% | -3.70 | V | /operating-margins <GO> |
| Net Profit Margin | 46.10% | 50.10% | -4.00 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 12.10% | 11.30% | +0.80 | BFH | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.00% | 0.63% | +0.37 | BFH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.48 | 9.09 | -8.61 | V | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.1 | 65.6 | -10.50 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.12 | 1.06 | +0.06 | BFH | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.5x | 34.0x | -27.50 | BFH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.01B | $733.53B | -$729.52B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BFH REV | V REV | BFH GROSS % | V GROSS % | BFH FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $40.00B | — | — | $2.09B | $21.26B |
| FY 2024 | $0 | $35.93B | — | — | $1.86B | $18.33B |
| FY 2023 | $0 | $32.65B | — | — | $1.99B | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BFH // BETA 1.12
V // BETA 1.06