BFH vs. CACC, OMF, SLM, NNI, ENVA, OCSL, LC, LPRO, WRLD, and ATLC
Should you be buying Bread Financial stock or one of its competitors? The main competitors of Bread Financial include Credit Acceptance (CACC), OneMain (OMF), SLM (SLM), Nelnet (NNI), Enova International (ENVA), Oaktree Specialty Lending (OCSL), LendingClub (LC), Open Lending (LPRO), World Acceptance (WRLD), and Atlanticus (ATLC). These companies are all part of the "personal credit institutions" industry.
Credit Acceptance (NASDAQ:CACC) and Bread Financial (NYSE:BFH) are both mid-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, community ranking, media sentiment, risk, earnings, dividends, valuation, profitability and analyst recommendations.
Credit Acceptance presently has a consensus price target of $402.33, indicating a potential downside of 15.89%. Bread Financial has a consensus price target of $39.17, indicating a potential downside of 3.77%. Given Credit Acceptance's stronger consensus rating and higher possible upside, analysts clearly believe Bread Financial is more favorable than Credit Acceptance.
In the previous week, Credit Acceptance had 5 more articles in the media than Bread Financial. MarketBeat recorded 10 mentions for Credit Acceptance and 5 mentions for Bread Financial. Bread Financial's average media sentiment score of 1.54 beat Credit Acceptance's score of 0.82 indicating that Credit Acceptance is being referred to more favorably in the media.
Credit Acceptance has a net margin of 12.83% compared to Credit Acceptance's net margin of 8.08%. Bread Financial's return on equity of 30.70% beat Credit Acceptance's return on equity.
81.7% of Credit Acceptance shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 5.3% of Credit Acceptance shares are owned by insiders. Comparatively, 0.6% of Bread Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Bread Financial has higher revenue and earnings than Credit Acceptance. Bread Financial is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.
Credit Acceptance received 326 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 51.31% of users gave Credit Acceptance an outperform vote while only 15.22% of users gave Bread Financial an outperform vote.
Credit Acceptance has a beta of 1.44, suggesting that its stock price is 44% more volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.92, suggesting that its stock price is 92% more volatile than the S&P 500.
Summary
Credit Acceptance beats Bread Financial on 11 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding BFH and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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