BFH vs NU
Bread Financial Holdings, Inc. and Nu Holdings Ltd., side by side — 6 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | BFH | NU |
|---|---|---|
| Revenue | $3.8B | $11.5B |
| Net income | $518.0M | $2.0B |
| Gross margin | · | 45.6% |
| Net margin | 13.5% | 17.1% |
| Return on equity | 16.2% | 28.1% |
| Diluted EPS | $10.89 | $0.40 |
| Dividend / share | $0.86 | · |
| Payout ratio | 7.7% | · |
| Free cash flow | · | · |
| Equity | $3.3B | $7.6B |
| Net debt / equity | 0.21× | −0.98× |
| Current ratio | · | · |
| Revenue CAGR 5y | 3.1% | 79.8% |
| Profit CAGR 5y | 19.3% | · |
NU bills 3.0× the revenue of BFH, and keeps more of each dollar of revenue as profit (17.1% against 13.5%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
6 years side by side
| Fiscal year | BFH | NU |
|---|---|---|
| FY2024 | $3.8B | $11.5B |
| FY2023 | $4.3B | $8.0B |
| FY2022 | $3.8B | $4.8B |
| FY2021 | $3.3B | $1.7B |
| FY2020 | $3.3B | $737.1M |
| FY2019 | $4.0B | $612.1M |
Bottom line
| Fiscal year | BFH | NU |
|---|---|---|
| FY2024 | $277.0M | $2.0B |
| FY2023 | $718.0M | $1.0B |
| FY2022 | $223.0M | $-364.6M |
| FY2021 | $801.0M | $-165.0M |
| FY2020 | $214.0M | $-171.5M |
| FY2019 | $278.0M | $-92.5M |
6 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | −$7,679,075,000 | NU |
| FY2023 | −$3,739,976,000 | NU |
| FY2022 | −$966,231,000 | NU |
| FY2021 | +$1,573,977,000 | BFH |
| FY2020 | +$2,560,867,000 | BFH |
| FY2019 | +$3,437,891,000 | BFH |
The higher-revenue side has changed between BFH and NU over this period. The gap has widened since the earliest year compared.
6 of 18 comparable fiscal years — a year missing data on either side is not counted.
6 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | −9.9 pp | NU |
| FY2023 | +3.9 pp | BFH |
| FY2022 | +13.4 pp | BFH |
| FY2021 | +34.2 pp | BFH |
| FY2020 | +29.8 pp | BFH |
| FY2019 | +22.0 pp | BFH |
The higher net margin has changed hands between BFH and NU over this period.
6 of 17 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
NU's net margin has been more volatile than BFH's over the 6 comparable fiscal years — 14.5 percentage points of standard deviation against 7.0.
6 of 17 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between BFH and NU over these 6 fiscal years — BFH led in 5 and NU in 1.
6 of 17 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
NU's return on equity has been more volatile than BFH's over the 6 comparable fiscal years — 20.3 percentage points of standard deviation against 12.5.
6 of 18 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between BFH and NU over these 6 fiscal years — BFH led in 5 and NU in 1.
6 of 18 comparable fiscal years — a year missing data on either side is not counted.