BFH vs NU
Bread Financial Holdings, Inc. and Nu Holdings Ltd., side by side — 6 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | BFH | NU |
|---|---|---|
| Revenue | $3.8B | $11.5B |
| Net income | $518.0M | $2.0B |
| Gross margin | 37.0% | 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 | $1.8B | — |
| Equity | $3.3B | $7.6B |
| Net debt / equity | 0.21× | −0.98× |
| Current ratio | 1.88× | — |
| 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.
Advertisement
AdSense · Leaderboard 728×90 · responsive
Revenue by year
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 |
Net income by year
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 |
Advertisement
AdSense · Rectangle 336×280