COMP <GO>
MMS vs BFH // 10Y YIELD & FRED MACRO BETA
Maximus Inc. (NYSE) VS. Bread Financial Holdings Inc. (NYSE) • 15-METRIC TALLY: MMS 4
— BFH 8
■ METRIC PARITY
LAST: $66.55 (+4.44%) • MKT CAP: $3.34B
macro-sensitivity
—
LAST: $107.16 (+3.63%) • MKT CAP: $3.93B
macro-sensitivity
1.12
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MMS VS. BFH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MMS | BFH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 24.60% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.50% | 6.40% | +7.10 | MMS | /roic <GO> |
| EV/EBITDA & P/E Valuation | 8.8x | 12.6x | -3.80 | MMS | /valuation <GO> |
| Free Cash Flow Yield | 13.05% | 22.00% | -8.95 | BFH | /fcf-yield <GO> |
| Operating Margin | 9.70% | 56.30% | -46.60 | BFH | /operating-margins <GO> |
| Net Profit Margin | 5.90% | 46.10% | -40.20 | BFH | /net-margins <GO> |
| Revenue Growth (YoY) | 2.40% | 12.10% | -9.70 | BFH | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.00% | -1.00 | BFH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 3.10 | 0.48 | +2.62 | MMS | /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 | 64.9 | 50.3 | +14.60 | MMS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | 1.12 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.6x | 6.5x | +3.10 | BFH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.34B | $3.93B | -$589.3M | BFH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MMS REV | BFH REV | MMS GROSS % | BFH GROSS % | MMS FCF | BFH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.43B | $1.71B | 24.6% | — | $429.4M | $2.09B |
| FY 2024 | $5.31B | $915.2M | 23.6% | — | $515.3M | $1.86B |
| FY 2023 | $4.90B | $2.37B | — | — | $314.3M | $1.99B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MMS // BETA —
BFH // BETA 1.12