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BFH vs BRK-A

BFH
Bread Financial Holdings, Inc.
NEUTRAL
Price
$68.78
Market Cap
$3.14B
Sector
Financial Services
AI Confidence
72%
BRK-A
Berkshire Hathaway Inc.
BEARISH
Price
$718921.00
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
BFH
7.19
BRK-A
15.45
Forward P/E
BFH
7.22
BRK-A
22.3
P/B Ratio
BFH
0.95
BRK-A
1.44
P/S Ratio
BFH
1.25
BRK-A
2.78
EV/EBITDA
BFH
--
BRK-A
7.21

Profitability

Gross Margin
BFH
0.0%
BRK-A
26.15%
Operating Margin
BFH
29.61%
BRK-A
32.96%
Profit Margin
BFH
18.77%
BRK-A
18.03%
ROE
BFH
14.78%
BRK-A
9.81%
ROA
BFH
2.19%
BRK-A
5.11%

Growth

Revenue Growth
BFH
9.4%
BRK-A
-0.7%
Earnings Growth
BFH
9703.9%
BRK-A
-2.5%

Financial Health

Debt/Equity
BFH
--
BRK-A
0.19
Current Ratio
BFH
--
BRK-A
7.07
Quick Ratio
BFH
--
BRK-A
6.62

Dividends

Dividend Yield
BFH
1.3%
BRK-A
--
Payout Ratio
BFH
8.5%
BRK-A
0.0%

AI Verdict

BFH NEUTRAL

BFH exhibits a mixed financial profile with a weak Piotroski F-Score of 4/9 indicating marginal financial health, and no available Altman Z-Score limits distress risk assessment. The stock appears undervalued with a P/E of 7.19 versus sector average of 21.34 and trades below both the Graham Number ($124.61) and intrinsic value estimate ($282.31), suggesting significant upside potential. Strong earnings growth (YoY EPS +118.5%, Earnings Growth YoY 9703.90%) and consistent analyst target support ($80.07) contrast with deteriorating technical trend (0/100) and lack of insider activity. Key risks include incomplete financial data (missing debt, cash, EV metrics), volatile earnings surprises, and declining short-term price momentum.

Strengths
Significantly lower valuation multiples (P/E 7.19) compared to sector average (21.34), indicating potential undervaluation
Exceptional year-over-year earnings growth (9703.90%) and strong recent EPS progression, signaling robust profitability rebound
Attractive dividend payout ratio of 8.50%, providing sustainability and room for future increases despite low yield
Risks
Low Piotroski F-Score of 4/9 indicates weak operating performance and financial stability concerns
Missing Altman Z-Score and key leverage metrics (Debt/Equity, Total Debt) create uncertainty around financial distress risk
Technical trend score of 0/100 signals strong bearish momentum, with recent 1-month (-10.3%) and 1-week (-6.7%) declines
BRK-A BEARISH

BRK-A shows bearish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Concerns include weak profitability or high valuation.

Strengths
Low debt with D/E ratio of 0.19
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Declining revenue (-0.7%)

Compare Another Pair

BFH vs BRK-A: Head-to-Head Comparison

This page compares Bread Financial Holdings, Inc. (BFH) and Berkshire Hathaway Inc. (BRK-A) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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