Bread Financial Holdings, Inc. (BFH)vsBerkshire Hathaway Inc (BRK-A)
BFH
Bread Financial Holdings, Inc.
$85.42
-1.04%
FINANCIAL SERVICES · Cap: $3.45B
BRK-A
Berkshire Hathaway Inc
$712,064.33
-0.13%
FINANCIAL SERVICES · Cap: $1.02T
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 13949% more annual revenue ($371.44B vs $2.64B). BFH leads profitability with a 21.2% profit margin vs 18.0%. BFH appears more attractively valued with a PEG of 0.62. BFH earns a higher WallStSmart Score of 84/100 (A-).
BFH
Exceptional Buy84
out of 100
Grade: A-
BRK-A
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 34.0%
Keeps 21 of every $100 in revenue as profit
Growing faster than its price suggests
Earnings expanding 49.3% YoY
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 33.0%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Generating 5.0B in free cash flow
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Weak financial health signals
Expensive relative to growth rate
Revenue declined 0.7%
Earnings declined 2.5%
Comparative Analysis Report
WallStSmart ResearchBull Case : BFH
The strongest argument for BFH centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.2% and operating margin at 34.0%. PEG of 0.62 suggests the stock is reasonably priced for its growth.
Bull Case : BRK-A
The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.
Bear Case : BFH
The primary concerns for BFH are Debt/Equity, Altman Z-Score.
Bear Case : BRK-A
The primary concerns for BRK-A are Piotroski F-Score, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
BFH profiles as a mature stock while BRK-A is a declining play — different risk/reward profiles.
BFH carries more volatility with a beta of 1.14 — expect wider price swings.
BFH is growing revenue faster at 6.1% — sustainability is the question.
BRK-A generates stronger free cash flow (5.0B), providing more financial flexibility.
Bottom Line
BFH scores higher overall (84/100 vs 51/100), backed by strong 21.2% margins. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bread Financial Holdings, Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
Bread Financial Holdings Inc. provides lending and payment technology solutions to customers and consumer-based industries in North America. The company is headquartered in Columbus, Ohio.
Visit Website →Berkshire Hathaway Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, Duracell, Dairy Queen, BNSF, Lubrizol, Fruit of the Loom, Helzberg Diamonds, Long & Foster, FlightSafety International, Pampered Chef, Forest River, and NetJets, and also owns 38.6% of Pilot Flying J; and significant minority holdings in public companies Kraft Heinz Company (26.7%), American Express (18.8%), The Coca-Cola Company (9.32%), Bank of America (11.9%), and Apple (6.3%).
Visit Website →Compare with Other CREDIT SERVICES Stocks
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