COMP <GO>
PAY vs BFH // EV/EBITDA & P/E VALUATION
Paymentus Holdings Inc. (Class A) (NYSE) VS. Bread Financial Holdings Inc. (NYSE) • 15-METRIC TALLY: PAY 5
— BFH 7
▲ EV/EBITDA & P/E VALUATION LEADER: BFH
LAST: $35.05 (+6.80%) • MKT CAP: $4.13B
valuation
49.3x
LAST: $107.16 (+3.63%) • MKT CAP: $3.93B
valuation
12.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PAY VS. BFH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PAY | BFH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 24.80% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 24.90% | 6.40% | +18.50 | PAY | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 49.3x | 12.6x | +36.70 | BFH | /valuation <GO> |
| Free Cash Flow Yield | 3.98% | 22.00% | -18.02 | BFH | /fcf-yield <GO> |
| Operating Margin | 6.30% | 56.30% | -50.00 | BFH | /operating-margins <GO> |
| Net Profit Margin | 5.60% | 46.10% | -40.50 | BFH | /net-margins <GO> |
| Revenue Growth (YoY) | 37.30% | 12.10% | +25.20 | PAY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.00% | -1.00 | BFH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 25.80 | 0.48 | +25.32 | PAY | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | BFH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.7 | 50.3 | +1.40 | PAY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.12 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 51.0x | 6.5x | +44.50 | BFH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.13B | $3.93B | $207.8M | PAY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PAY REV | BFH REV | PAY GROSS % | BFH GROSS % | PAY FCF | BFH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.20B | $1.71B | 24.8% | — | $161.8M | $2.09B |
| FY 2024 | $871.7M | $915.2M | 27.3% | — | $63.2M | $1.86B |
| FY 2023 | $614.5M | $2.37B | — | — | $68.8M | $1.99B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PAY // BETA —
BFH // BETA 1.12