51 Credit Card vs Bread Financial Which Is More Lucrative?

51 Credit Card Inc. and Bread Financial Inc. are two notable players in the financial industry, each offering unique services and products catered to their target market. 51 Credit Card is a leading credit card provider in China, while Bread Financial is a rising fintech company that focuses on innovative payment solutions. Both companies have seen impressive growth and success in their respective markets, making them intriguing options for investors looking to capitalize on the financial sector's potential. In this comparison, we will delve deeper into the strengths and weaknesses of 51 Credit Card vs. Bread Financial stocks.

51 Credit Card or Bread Financial?

When comparing 51 Credit Card and Bread Financial, different investors may prioritize various metrics based on their investment strategies and goals. So, ask yourself what type of investor you are. This will guide you in determining which metrics are most important for your investment decision between 51 Credit Card and Bread Financial.

Dividend Investors:

Dividend investors look for stable and growing income streams, using dividend metrics to assess potential investments. A company's dividend yield essentially measures the size of its dividend relative to the total market value of the company. 51 Credit Card has a dividend yield of -%, while Bread Financial has a dividend yield of 1.76%. Beyond the yield itself, considering the growth and sustainability of these dividends is also crucial. 51 Credit Card reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%. On the other hand, Bread Financial reports a 5-year dividend growth of -18.10% year and a payout ratio of 13.46%.

Value Investors:

Value investors focus on financial metrics to determine a stock's intrinsic value compared to its market value. The Price-to-Earnings (P/E) Ratio links stock price to a company's earnings per share, with 51 Credit Card P/E ratio at 24.40 and Bread Financial's P/E ratio at 9.49. Another crucial valuation metric is the Price-to-Book (P/B) Ratio, which compares stock price with book value per share. 51 Credit Card P/B ratio is 0.35 while Bread Financial's P/B ratio is 0.95.

Growth Investors:

Growth investors prioritize metrics indicative of a company's expansion potential. Focusing on top-line growth, 51 Credit Card has seen a 5-year revenue growth of -1.00%, while Bread Financial's is -0.16%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with 51 Credit Card's ROE at 1.46% and Bread Financial's ROE at 10.20%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are HK$0.24 for 51 Credit Card and $59.34 for Bread Financial. Over the past year, 51 Credit Card's prices ranged from HK$0.07 to HK$0.34, with a yearly change of 422.73%. Bread Financial's prices fluctuated between $26.27 and $63.01, with a yearly change of 139.86%. Brand recognition also plays a role, as familiarity with a company can influence investment decisions.