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Bread Financial Holdings vs Enova International: BFH and ENVA compared
Bread Financial Holdings is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $1.0B for Enova International (Q3 2026). Enova International is growing faster (+26% against +5% a year earlier). Enova International is more profitable, with an operating margin of 24.5% against 20.6%.
Where the money goes: BFH and ENVA
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.
Enova International (ENVA) · Q3 2026
Enova International, Q3 2026: revenue $1.0B (+26% year over year), operating margin 24.5%, net earnings $107M, operating cash flow $536M. The chart follows the revenue to costs, profit and cash.
| Bread Financial Holdings (BFH) | Enova International (ENVA) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.0B | $1.0B |
| Revenue growth, Y/Y | +5% | +26% |
| Gross margin | — | 60.9% |
| Operating margin | 20.6% | 24.5% |
| Net earnings | $156M | $107M |
| Net margin | 15.3% | 10.6% |
| Operating cash flow | $601M | $536M |
| Free cash flow | — | $524M |
| Market value | $4.0B | $4.6B |
| P/E | 8.0× | 11.9× |
| Analysts’ mean target | $114.81 | $230.83 |
Questions
Which is bigger, Bread Financial Holdings or Enova International?
Bread Financial Holdings is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $1.0B for Enova International (Q3 2026).
Is Bread Financial Holdings or Enova International growing faster?
Enova International is growing faster (+26% against +5% a year earlier).
Which is more profitable, Bread Financial Holdings or Enova International?
Enova International is more profitable, with an operating margin of 24.5% against 20.6%.
More: Bread Financial Holdings earnings · how Bread Financial Holdings makes money · Enova International earnings · how Enova International makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 27, 2026; 10-Q filed Oct 22, 2026). Fiscal quarters can end on different dates. Not investment advice.