Bread Financial vs FlexShopper Which Is More Lucrative?

Bread Financial and FlexShopper are two companies operating in the financial sector with distinct business models. Bread Financial, a fintech company, offers consumers a digital platform to access financing solutions for their online purchases. On the other hand, FlexShopper specializes in lease-to-own services, allowing customers to lease new products with the option to buy. Both companies have their unique strengths and weaknesses, making them interesting stocks to compare and analyze for potential investment opportunities.

Bread Financial or FlexShopper?

When comparing Bread Financial and FlexShopper, 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 Bread Financial and FlexShopper.

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. Bread Financial has a dividend yield of 1.27%, while FlexShopper has a dividend yield of -%. Beyond the yield itself, considering the growth and sustainability of these dividends is also crucial. Bread Financial reports a 5-year dividend growth of -18.10% year and a payout ratio of 13.46%. On the other hand, FlexShopper reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%.

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 Bread Financial P/E ratio at 10.52 and FlexShopper's P/E ratio at 42.78. Another crucial valuation metric is the Price-to-Book (P/B) Ratio, which compares stock price with book value per share. Bread Financial P/B ratio is 1.05 while FlexShopper's P/B ratio is 1.30.

Growth Investors:

Growth investors prioritize metrics indicative of a company's expansion potential. Focusing on top-line growth, Bread Financial has seen a 5-year revenue growth of -0.40%, while FlexShopper's is -0.27%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with Bread Financial's ROE at 10.20% and FlexShopper's ROE at 3.12%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are $65.67 for Bread Financial and $1.76 for FlexShopper. Over the past year, Bread Financial's prices ranged from $28.00 to $66.71, with a yearly change of 138.25%. FlexShopper's prices fluctuated between $0.97 and $2.19, with a yearly change of 125.77%. Brand recognition also plays a role, as familiarity with a company can influence investment decisions.