Bread Financial vs SLM
Bread Financial reported revenue of $3.8 billion in fiscal 2025, 1.9 times SLM's $2.0 billion in fiscal 2025. Bread Financial's revenue grew 0.2% in its latest year, and SLM's grew 7.3%. Bread Financial had a return on equity of 16.2%, against 32.3% at SLM.
Side by side
| Bread Financial | SLM | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $3.8B | $2.0B |
| Revenue growth | 0.2% | 7.3% |
| Revenue growth a year, last 5 years | −3.2% | 1.8% |
| Net income | $518M | $745M |
| Return on equity | 16.2% | 32.3% |
| Return on tangible common equity | 21.1% | 32.4% |
| Efficiency ratio | 51.7% | 33.2% |
| Dividends and buybacks | $353M | $476M |
| Change in diluted share count | −5.6% | −4.1% |
| Last close | $101.83 | $16.94 |
| P/E at the last close | 8.0× | 6.2× |
| Insider trades, last 12 months | bought $62,046, sold $2.5 million | — |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
Bread FinancialSLM
Return on equity
Percent. Net income over average equity.
Bread FinancialSLM
Net income
US$ billions
Bread FinancialSLM
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the Bread Financial and SLM pages.