Enova vs Bread Financial

This page compares the business models, financial performance and market context of Enova and Bread Financial, presenting neutral, accessible information for readers who want to understand how each organisation operates and positions itself in the industry. Educational content, not financial advice.

This page compares the business models, financial performance and market context of Enova and Bread Financial, presenting neutral, accessible information for readers who want to understand how each or...

About The Companies

Enova (ENVA)

Enova International (ENVA) is a fintech-focused lender that provides short-term and instalment credit products to consumers and small businesses, primarily via online channels. The company leverages data analytics and automated underwriting to assess creditworthiness, aiming for faster decisions and tailored pricing. With a market cap around $2.8bn, Enova operates in competitive and regulated markets where loan performance can be cyclical and sensitive to macro conditions. Investors often watch its loan book growth, credit loss trends and regulatory developments, as these drive profitability and capital requirements. Key risks include credit losses during economic downturns, changes in consumer protection rules, and technological or model errors. This summary is for educational purposes only — it is not personalised investment advice. Values can rise and fall, and past performance is not a reliable indicator of future results. Consider your risk tolerance and consult a qualified adviser for personal suitability.

Bread Financial (BFH)

Bread Financial Holdings Inc (BFH) is a US‑listed consumer finance company that issues private‑label and co‑branded credit cards, provides payment and loyalty solutions, and offers account servicing to retailers and partners. With a market capitalisation around $2.8bn, BFH earns revenue from interest on receivables, fees and merchant and programme services. Investors should note its performance is cyclical and closely tied to consumer spending, credit quality and interest rates. Management has focused on digital offerings and retail partnerships to diversify revenue, but execution and competition from banks and fintechs matter. Key considerations include loan loss provisions, delinquencies, net interest margin and the health of retail partners. As with any credit business, stronger economic conditions can help growth while downturns can raise charge‑offs. This summary is educational only and not personal advice; investors should review the company’s filings and consider their own risk tolerance before investing.

Comparison Snapshot

Key Financial Metrics

ENVA

Metric

BFH

$4.03B

Market Cap

$3.41B

-1.47%

Potential Profit

-7.29%

Buy

Analyst Rating

Hold

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

The Federal Reserve's key inflation metric remained elevated at 2.9%, signaling that the fight against rising prices is ongoing. This creates a potential investment opportunity in companies that can thrive in a high-inflation, high-interest-rate environment.

Published: September 28, 2025

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Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

The Federal Reserve's key inflation metric remained elevated at 2.9%, signaling that the fight against rising prices is ongoing. This creates a potential investment opportunity in companies that can thrive in a high-inflation, high-interest-rate environment.

Published: September 28, 2025

Explore Basket

Investment Analysis

Enova

ENVA

Pros

Enova International has demonstrated strong revenue growth with a 19.69% increase to $1.24 billion in 2024.
The company leverages advanced analytics and proprietary technology to serve underserved consumers and small businesses effectively.
Enova maintains attractive valuation metrics with a low forward PE ratio of 8.85 and strong Zacks Style Scores in Value and Growth.

Considerations

Enova’s stock exhibits a high beta of 1.49, indicating higher volatility compared to the overall market.
The company holds a substantial debt load close to $3.96 billion, which could pressure financial flexibility.
Enova lacks dividend payments, which may deter income-focused investors.

Bread Financial

BFH

Pros

Bread Financial reported strong quarterly earnings with EPS of $3.14, significantly beating estimates.
The company has a lower beta of 1.41 relative to Enova, implying slightly less stock price volatility.
Bread Financial pays a quarterly dividend yielding approximately 1.39%, providing income to shareholders.

Considerations

Bread Financial’s market cap and revenue are larger than Enova’s but come with competitive industry pressures.
Its media sentiment and analyst coverage are less positive compared to some competitors, signaling cautious market perception.
The company’s EPS growth estimate is moderate at 2.11, indicating slower expected earnings growth.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%