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Bread Financial Holdings vs Atlanticus Holdings: BFH and ATLC compared
Bread Financial Holdings is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $776M for Atlanticus Holdings (Q3 2026). Atlanticus Holdings is growing faster (+60% against +5% a year earlier). Bread Financial Holdings is more profitable, with an operating margin of 20.6% against 15.6%.
Where the money goes: BFH and ATLC
Bread Financial Holdings (BFH) · Q3 2026
Bread Financial Holdings, Q3 2026: revenue $1.0B (+5% year over year), operating margin 20.6%, net earnings $156M, operating cash flow $601M. The chart follows the revenue to costs, profit and cash.
Atlanticus Holdings (ATLC) · Q3 2026
Atlanticus Holdings, Q3 2026: revenue $776M (+60% year over year), operating margin 15.6%, net earnings $95.4M, operating cash flow $253M. The chart follows the revenue to costs, profit and cash.
| Bread Financial Holdings (BFH) | Atlanticus Holdings (ATLC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.0B | $776M |
| Revenue growth, Y/Y | +5% | +60% |
| Operating margin | 20.6% | 15.6% |
| Net earnings | $156M | $95.4M |
| Net margin | 15.3% | 12.3% |
| Operating cash flow | $601M | $253M |
| Market value | $4.0B | $1.8B |
| P/E | 8.0× | 8.2× |
| Analysts’ mean target | $114.81 | $130.60 |
Questions
Which is bigger, Bread Financial Holdings or Atlanticus Holdings?
Bread Financial Holdings is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $776M for Atlanticus Holdings (Q3 2026).
Is Bread Financial Holdings or Atlanticus Holdings growing faster?
Atlanticus Holdings is growing faster (+60% against +5% a year earlier).
Which is more profitable, Bread Financial Holdings or Atlanticus Holdings?
Bread Financial Holdings is more profitable, with an operating margin of 20.6% against 15.6%.
More: Bread Financial Holdings earnings · how Bread Financial Holdings makes money · Atlanticus Holdings earnings · how Atlanticus Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 27, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.