Sifting through countless of stocks in the Consumer Finance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Bread Financial Holdings, Inc., OneMain Holdings or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Bread Financial Holdings, Inc., OneMain Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Bread Financial Holdings, Inc., OneMain Holdings and Inc.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was incorporated in 2013 and is based in Evansville, Indiana.

Latest Consumer Finance and Bread Financial Holdings, Inc., OneMain Holdings, Inc. Stock News

As of September 1, 2026, Bread Financial Holdings, Inc. had a $3.9 billion market capitalization, compared to the Consumer Finance median of $1.0 million. Bread Financial Holdings, Inc.’s stock is up 43.4% in 2026, down 1.3% in the previous five trading days and up 54.18% in the past year.

Currently, Bread Financial Holdings, Inc.’s price-earnings ratio is 8.0. Bread Financial Holdings, Inc.’s trailing 12-month revenue is $2.7 billion with a 21.4% net profit margin. Year-over-year quarterly sales growth most recently was 3.8%. Analysts expect adjusted earnings to reach $12.221 per share for the current fiscal year. Bread Financial Holdings, Inc. currently has a 0.9% dividend yield.

As of September 1, 2026, OneMain Holdings, Inc. had a $7.0 billion market cap, putting it in the 72nd percentile of all stocks. OneMain Holdings, Inc.’s stock is down 7.2% in 2026, down 0.7% in the previous five trading days and down 1.21% in the past year.

Currently, OneMain Holdings, Inc.’s price-earnings ratio is 9.2. OneMain Holdings, Inc.’s trailing 12-month revenue is $3.0 billion with a 25.9% net profit margin. Year-over-year quarterly sales growth most recently was -2.7%. Analysts expect adjusted earnings to reach $7.092 per share for the current fiscal year. OneMain Holdings, Inc. currently has a 6.9% dividend yield.

How We Compare Bread Financial Holdings, Inc., OneMain Holdings and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Bread Financial Holdings, Inc., OneMain Holdings and Inc.’s stock grades to see how they measure up against one another.

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Bread Financial Holdings, Inc., OneMain Holdings and Inc.’s Quality Grades

Company	Ticker	Quality
Bread Financial Holdings, Inc.	BFH	C
OneMain Holdings, Inc.	OMF	A

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Bread Financial Holdings, Inc. has a Quality Score of 54, which is Average. OneMain Holdings, Inc. has a Quality Score of 87, which is Very Strong.

The Quality Grade Winner: OneMain Holdings, Inc.

As you can clearly see from the Quality Grade breakdown above, OneMain Holdings, Inc. has a better overall quality grade than Bread Financial Holdings, Inc.. For investors who are looking for companies with higher quality than others in the same industry, OneMain Holdings, Inc. could be a good stock to add to their portfolios. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Bread Financial Holdings, Inc., OneMain Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
Bread Financial Holdings, Inc.	BFH	B
OneMain Holdings, Inc.	OMF	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Bread Financial Holdings, Inc. has a Momentum Score of 79, which is Strong. OneMain Holdings, Inc. has a Momentum Score of 50, which is Average.

The Momentum Grade Winner: Bread Financial Holdings, Inc.

As you can clearly see from the Momentum Grade breakdown above, Bread Financial Holdings, Inc. is considered to have stronger momentum compared to OneMain Holdings, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Bread Financial Holdings, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Bread Financial Holdings, Inc., OneMain Holdings and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Bread Financial Holdings, Inc.	BFH	B
OneMain Holdings, Inc.	OMF	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Bread Financial Holdings, Inc. has a Earnings Estimate Score of 74, which is Positive. OneMain Holdings, Inc. has a Earnings Estimate Score of 36, which is Negative.

The Earnings Estimate Revisions Grade Winner: Bread Financial Holdings, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Bread Financial Holdings, Inc. has a better Earnings Estimate Revisions Grade than OneMain Holdings, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Bread Financial Holdings, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Bread Financial Holdings, Inc., OneMain Holdings and Inc. Grades

In addition to Momentum, Quality and Estimate Revisions, A+ Investor also provides grades for Value and Growth.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Bread Financial Holdings, Inc., OneMain Holdings and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Bread Financial Holdings, Inc., OneMain Holdings or Inc. Stock?

Overall, Bread Financial Holdings, Inc. stock has a Momentum Score of 79, Estimate Revisions Score of 74 and Quality Score of 54.

OneMain Holdings, Inc. stock has a Momentum Score of 50, Estimate Revisions Score of 36 and Quality Score of 87.

Comparing Bread Financial Holdings, Inc., OneMain Holdings and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.