Verdict: Side-by-side breakdown using the Bull Rankings model. BFH scored 79.0, WU scored 76.0 — BFH leads.
Compare another set
BFH
Bread Financial Holdings, Inc.
Credit Services · Financial strength
71Fin
$100.58 · $3.9B
fundamentals as of
Strength gap
4.4
BFH leads
WU
The Western Union Company
Credit Services · Financial strength
66.6Fin
$6.12 · $1.9B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestWU5.1x
Fastest growthBFH+0.2%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BFH
WU
$2.2bB
FCF
$565mC+
+0.2%C
Rev
-1.6%D+
—
D/E
2.95C
7.8xA
P/E
5.1xA
2.20C
PEG
—
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
BFHBread Financial Holdings, Inc.
Credit Services · $100.58 · beta 1.18
Why now
Credit Services · market cap $3.9b. 12% off the 52-week high of $114.53. 16 sell-side analysts rate this a Buy with a mean 1-yr target of $115.00 (implying +14% upside).
Moat
Net margin 21% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 17% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
WUThe Western Union Company
Credit Services · $6.12 · beta 0.55
Why now
Credit Services · market cap $1.9b. Down 41% from 52-week high of $10.35 — deep drawdown territory. 14 sell-side analysts rate this an Underperform with a mean 1-yr target of $6.80 (implying +11% upside).
Moat
ROE 43% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 143% of net income — earnings translate cleanly into cash.
Risk
D/E 2.95 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Down 41% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Dividend payout 76% of earnings on a 14.9% yield — distribution coverage is thin; one earnings stumble could force a dividend cut.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is BFH or WU the better stock?
BFH scores higher: BFH 79.0, WU 76.0 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
How are BFH and WU scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.