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. or Navient Corporation 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. and Navient Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Bread Financial Holdings, Inc. and Navient Corporation

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.

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

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

As of September 2, 2026, Bread Financial Holdings, Inc. had a $4.1 billion market capitalization, compared to the Consumer Finance median of $1.0 million. Bread Financial Holdings, Inc.’s stock is up 45.6% in 2026, down 0.2% in the previous five trading days and up 62.59% in the past year.

Currently, Bread Financial Holdings, Inc.’s price-earnings ratio is 8.4. 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 2, 2026, Navient Corporation had a $896.6 million market cap, putting it in the 44th percentile of all stocks. Navient Corporation’s stock is down 25.9% in 2026, up 3.4% in the previous five trading days and down 30.37% in the past year.

Currently, Navient Corporation does not have a price-earnings ratio. Navient Corporation’s trailing 12-month revenue is $334.0 million with a -14.7% net profit margin. Year-over-year quarterly sales growth most recently was 4.2%. Analysts expect adjusted earnings to reach $0.765 per share for the current fiscal year. Navient Corporation currently has a 6.7% dividend yield.

How We Compare Bread Financial Holdings, Inc. and Navient Corporation 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. and Navient Corporation’s stock grades to see how they measure up against one another.

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Bread Financial Holdings, Inc. and Navient Corporation Stock Value Grades

Company	Ticker	Value
Bread Financial Holdings, Inc.	BFH	A
Navient Corporation	NAVI	A

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.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Bread Financial Holdings, Inc. has a Value Score of 97, which is Deep Value. Navient Corporation has a Value Score of 97, which is Deep Value.

The Value Stock Winner: It’s a Tie!

Looking at the Value Grade breakdown above, both Bread Financial Holdings, Inc. and Navient Corporation have a Value Grade of A. For investors who focus solely on a company’s valuation, you will need to conduct further research into both of these companies’ other metrics to see if they could be good additions to your portfolio. 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. and Navient Corporation’s Momentum Grades

Company	Ticker	Momentum
Bread Financial Holdings, Inc.	BFH	A
Navient Corporation	NAVI	D

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 81, which is Very Strong. Navient Corporation has a Momentum Score of 37, which is Weak.

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 Navient Corporation. 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. and Navient Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Bread Financial Holdings, Inc.	BFH	B
Navient Corporation	NAVI	B

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. Navient Corporation has a Earnings Estimate Score of 72, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both Bread Financial Holdings, Inc. and Navient Corporation have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether Bread Financial Holdings, Inc. or Navient Corporation is a better fit.

Other Bread Financial Holdings, Inc. and Navient Corporation Grades

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

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.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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. and Navient Corporation 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. or Navient Corporation Stock?

Overall, Bread Financial Holdings, Inc. stock has a Value Score of 97, Momentum Score of 81 and Estimate Revisions Score of 74.

Navient Corporation stock has a Value Score of 97, Momentum Score of 37 and Estimate Revisions Score of 72.

Comparing Bread Financial Holdings, Inc. and Navient Corporation’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.