BFH vs PRG
BFH: Bread Financial delivers white-label and co-branded credit cards and installment lending solutions to major retail and travel brands, monetizing transaction data and customer loyalty across Gen Z to Baby Boomer consumers. PRG: A financial technology company providing flexible lease-to-own, buy-now-pay-later, and payroll deduction financing solutions to near-prime and subprime consumers.
Side-by-side fundamentals
| Metric | BFH | PRG | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $101.87 | $45.00 | |
| Market cap as of 2026-07-23 | $4.1B | $1.8B | |
| P/E as of 2026-07-23 | 7.24 | 12.17 | BFH lower |
| PEG as of 2026-07-23 | 0.07 | 0.45 | BFH lower |
| Net margin as of 2026-07-23 | +12.5% | +6.0% | BFH higher |
| Gross margin as of 2026-07-23 | +92.9% | +91.6% | BFH higher |
| Operating margin as of 2026-07-23 | +14.7% | +8.7% | BFH higher |
| ROE as of 2026-07-23 | +17.1% | +20.5% | PRG higher |
| ROA as of 2026-07-23 | +2.5% | +8.9% | PRG higher |
| Debt / equity as of 2026-07-23 | 5.40 | 1.21 | PRG lower |
| Revenue growth (YoY) as of 2026-07-23 | -2.5% | -1.5% | PRG higher |
| Revenue CAGR (3y) SEC XBRL | -6.2% | -2.5% | PRG higher |
| Dividend yield as of 2026-07-23 | +0.9% | +1.2% | PRG higher |
| Dividend streak (yrs) SEC XBRL | 5 | 2 | BFH higher |
| Beta as of 2026-07-23 | 1.14 | 1.82 | |
| 1-year return as of 2026-07-22 close | +62.0% | +57.3% | BFH higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.