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Bread Financial Holdings vs Credit Acceptance: BFH and CACC compared
Bread Financial Holdings is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $595M for Credit Acceptance (Q3 2026). Bread Financial Holdings is growing faster (+5% against +2% a year earlier). Bread Financial Holdings is more profitable, with an operating margin of 20.6% against -12.4%.
Where the money goes: BFH and CACC
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.
Credit Acceptance (CACC) · Q3 2026
Credit Acceptance, Q3 2026: revenue $595M (+2% year over year), operating margin -12.4%, net loss $56.6M, operating cash flow $336M. The chart follows the revenue to costs, profit and cash.
| Bread Financial Holdings (BFH) | Credit Acceptance (CACC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.0B | $595M |
| Revenue growth, Y/Y | +5% | +2% |
| Operating margin | 20.6% | -12.4% |
| Net earnings | $156M | −$56.6M |
| Net margin | 15.3% | -9.5% |
| Operating cash flow | $601M | $336M |
| Free cash flow | — | $334M |
| Market value | $4.0B | $5.5B |
| P/E | 8.0× | 17.4× |
| Analysts’ mean target | $114.81 | $556.67 |
Questions
Which is bigger, Bread Financial Holdings or Credit Acceptance?
Bread Financial Holdings is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $595M for Credit Acceptance (Q3 2026).
Is Bread Financial Holdings or Credit Acceptance growing faster?
Bread Financial Holdings is growing faster (+5% against +2% a year earlier).
Which is more profitable, Bread Financial Holdings or Credit Acceptance?
Bread Financial Holdings is more profitable, with an operating margin of 20.6% against -12.4%.
More: Bread Financial Holdings earnings · how Bread Financial Holdings makes money · Credit Acceptance earnings · how Credit Acceptance makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 27, 2026; 10-Q filed Oct 29, 2026). Fiscal quarters can end on different dates. Not investment advice.