BFH vs WRLD: stock comparison and AI forecast
Bread Financial Holdings, Inc. (BFH) and World Acceptance Corp (WRLD) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BFH Bread Financial Holdings, Inc.
- Price
- $101.83 +17.7% · 6M
- Market Cap
- $3.87B
- P/E Ratio
- 8.0x
- Size
- mid-cap
- AI Forecast
WRLD World Acceptance Corp
- Price
- $149.08 -0.3% · 6M
- Market Cap
- $695M
- P/E Ratio
- 18.7x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- BFH is 5.6 times larger than WRLD by market capitalization ($3.87B against $695M).
- BFH trades at 8.0 times trailing earnings, WRLD at 18.7 times.
- Over the last six months BFH returned +17.7% and WRLD -0.3%.
- BFH turns 11.2% of its revenue into net income, against 6.7% for WRLD.
- BFH carries 5.78 times debt per unit of equity, against 1.98 times for WRLD.
- BFH yields 0.98% in dividends; WRLD pays none.
- Both companies share the SEC industry classification Personal Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BFH | WRLD |
|---|---|---|
| Market Cap | $3.87B | $695M |
| P/E Ratio | 7.99x | 18.74x |
| P/B Ratio | 1.12x | 1.92x |
| Dividend Yield | 0.98% | – |
| EPS | $12.75 | $7.96 |
| Book Value/Share | $90.54 | $77.67 |
| Revenue/Share | $126.13 | $126.94 |
| FCF/Share | – | $56.07 |
Profitability & Margins
| Metric | BFH | WRLD |
|---|---|---|
| ROE | 15.6% | 10.9% |
| ROA | 2.3% | 3.6% |
| Net Margin | 11.2% | 6.7% |
| EBT Margin | 14.5% | 8.7% |
| Tax Rate | 23.0% | 23.1% |
Financial Health
| Metric | BFH | WRLD |
|---|---|---|
| D/E Ratio | 5.78x | 1.98x |
| Financial Leverage | 6.78x | 2.98x |
| Interest Coverage | 4.2x | – |
Cash Flow
| Metric | BFH | WRLD |
|---|---|---|
| Operating Cash Flow | $2.19B | $266M |
| Free Cash Flow | – | $261M |
| Capital Spending | – | -$4M |
| OCF Growth YoY | 9.3% | 0.6% |
| FCF Growth YoY | – | 0.5% |
| FCF/Sales | – | 44.2% |
| CapEx/Sales | – | 0.7% |
Operational Efficiency
| Metric | BFH | WRLD |
|---|---|---|
| Asset Turnover | 0.21x | 0.55x |
| Fixed Assets Turnover | 49.4x | 34.4x |
Income Statement
| Metric | BFH | WRLD |
|---|---|---|
| Total Revenue | $4.79B | $592M |
| Net Income | $537M | $39M |
Dividend & Shareholder Information
| Metric | BFH | WRLD |
|---|---|---|
| Dividends Per Share | $1.00 | – |
| Payout Ratio | 7.8% | – |
| Shares Outstanding | 38M | 5M |
| Net Income Growth | 1578.1% | -51.5% |
| EPS Growth | 30.6% | -46.1% |
BFH vs WRLD: stock comparison and AI forecast
Which is bigger, BFH or WRLD?
BFH is 5.6 times larger than WRLD by market capitalization ($3.87B against $695M).
Which is cheaper on earnings, BFH or WRLD?
BFH trades at 8.0 times trailing earnings, WRLD at 18.7 times.
Which stock performed better over the last six months, BFH or WRLD?
Over the last six months BFH returned +17.7% and WRLD -0.3%.
Which one does Intratio's AI model rank higher, BFH or WRLD?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.