Bread Financial (BFH) Competitors $53.63 -0.85 (-1.56%) As of 11:16 AM Eastern Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock BFH vs. GGAL, COOP, UWMC, QFIN, OMF, CADE, BMA, OZK, PFSI, and VLYShould you be buying Bread Financial stock or one of its competitors? The main competitors of Bread Financial include Grupo Financiero Galicia (GGAL), Mr. Cooper Group (COOP), UWM (UWMC), Qifu Technology (QFIN), OneMain (OMF), Cadence Bank (CADE), Banco Macro (BMA), Bank OZK (OZK), PennyMac Financial Services (PFSI), and Valley National Bancorp (VLY). These companies are all part of the "banking" industry. Bread Financial vs. Its Competitors Grupo Financiero Galicia Mr. Cooper Group UWM Qifu Technology OneMain Cadence Bank Banco Macro Bank OZK PennyMac Financial Services Valley National Bancorp Bread Financial (NYSE:BFH) and Grupo Financiero Galicia (NASDAQ:GGAL) are both mid-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their community ranking, media sentiment, risk, institutional ownership, valuation, profitability, dividends, earnings and analyst recommendations. Is BFH or GGAL more profitable? Bread Financial has a net margin of 5.75% compared to Grupo Financiero Galicia's net margin of 0.00%. Bread Financial's return on equity of 12.41% beat Grupo Financiero Galicia's return on equity.Company Net Margins Return on Equity Return on Assets Bread Financial5.75% 12.41% 1.72% Grupo Financiero Galicia N/A N/A N/A Which has more volatility & risk, BFH or GGAL? Bread Financial has a beta of 1.37, indicating that its stock price is 37% more volatile than the S&P 500. Comparatively, Grupo Financiero Galicia has a beta of 1.72, indicating that its stock price is 72% more volatile than the S&P 500. Do analysts recommend BFH or GGAL? Bread Financial presently has a consensus price target of $60.27, suggesting a potential upside of 12.39%. Grupo Financiero Galicia has a consensus price target of $61.20, suggesting a potential upside of 9.54%. Given Bread Financial's higher possible upside, analysts clearly believe Bread Financial is more favorable than Grupo Financiero Galicia.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Bread Financial 3 Sell rating(s) 6 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.00Grupo Financiero Galicia 0 Sell rating(s) 0 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 3.00 Does the MarketBeat Community believe in BFH or GGAL? Grupo Financiero Galicia received 335 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 58.09% of users gave Grupo Financiero Galicia an outperform vote while only 20.48% of users gave Bread Financial an outperform vote. CompanyUnderperformOutperformBread FinancialOutperform Votes1720.48% Underperform Votes6679.52% Grupo Financiero GaliciaOutperform Votes35258.09% Underperform Votes25441.91% Is BFH or GGAL a better dividend stock? Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.6%. Grupo Financiero Galicia pays an annual dividend of $0.26 per share and has a dividend yield of 0.5%. Bread Financial pays out 14.9% of its earnings in the form of a dividend. Grupo Financiero Galicia pays out 3.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Do institutionals & insiders hold more shares of BFH or GGAL? 99.5% of Bread Financial shares are owned by institutional investors. 0.9% of Bread Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term. Which has higher valuation and earnings, BFH or GGAL? Grupo Financiero Galicia has higher revenue and earnings than Bread Financial. Grupo Financiero Galicia is trading at a lower price-to-earnings ratio than Bread Financial, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioBread Financial$3.82B0.65$277M$5.639.53Grupo Financiero Galicia$6.59T0.00$1.28B$6.798.23 Does the media favor BFH or GGAL? In the previous week, Bread Financial had 8 more articles in the media than Grupo Financiero Galicia. MarketBeat recorded 18 mentions for Bread Financial and 10 mentions for Grupo Financiero Galicia. Grupo Financiero Galicia's average media sentiment score of 0.90 beat Bread Financial's score of 0.10 indicating that Grupo Financiero Galicia is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Bread Financial 6 Very Positive mention(s) 2 Positive mention(s) 5 Neutral mention(s) 2 Negative mention(s) 0 Very Negative mention(s) Neutral Grupo Financiero Galicia 4 Very Positive mention(s) 2 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive SummaryBread Financial and Grupo Financiero Galicia tied by winning 10 of the 20 factors compared between the two stocks. Get Bread Financial News Delivered to You Automatically Sign up to receive the latest news and ratings for BFH and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding BFH and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart BFH vs. The Competition Export to ExcelMetricBread FinancialPersonal credit institutions IndustryFinance SectorNYSE ExchangeMarket Cap$2.50B$6.46B$11.71B$19.86BDividend Yield1.70%4.38%5.66%3.83%P/E Ratio9.6619.6523.0535.66Price / Sales0.653.3526.9444.94Price / Cash4.8311.1317.6017.51Price / Book0.878.512.894.85Net Income$277M$391.67M$1.04B$1.02B7 Day Performance8.43%6.30%1.51%1.93%1 Month Performance-0.83%1.58%1.42%3.02%1 Year Performance33.37%25.05%540.25%9.84% Bread Financial Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)BFHBread Financial3.8173 of 5 stars$53.63-1.6%$60.27+12.4%+41.5%$2.50B$3.82B9.667,500News CoverageGGALGrupo Financiero Galicia2.9311 of 5 stars$56.64-2.4%$61.20+8.1%+74.9%$8.35B$6.59T8.3412,012Earnings ReportCOOPMr. Cooper Group4.6799 of 5 stars$128.70-0.6%$131.14+1.9%+76.4%$8.23B$3.04B12.646,600Positive NewsOptions VolumeUWMCUWM3.1008 of 5 stars$4.10-4.8%$6.86+67.5%-39.9%$6.55B$1.04B-17.808,000High Trading VolumeQFINQifu Technology3.9805 of 5 stars$40.94-0.4%$45.10+10.2%+107.0%$6.45B$14.77B8.292,199Positive NewsOMFOneMain4.9691 of 5 stars$51.61-0.5%$58.40+13.2%+14.0%$6.14B$4.65B12.179,200Positive NewsCADECadence Bank4.5212 of 5 stars$30.07-0.8%$36.82+22.4%+12.3%$5.48B$921.95M10.856,570BMABanco Macro2.5872 of 5 stars$82.07-2.9%$62.13-24.3%+34.9%$5.24B$4.52T7.198,000Short Interest ↑OZKBank OZK4.4013 of 5 stars$44.08-0.6%$50.86+15.4%+20.0%$5.00B$1.66B7.182,650PFSIPennyMac Financial Services4.8572 of 5 stars$93.70-2.4%$121.17+29.3%+10.0%$4.84B$2.98B16.054,140Positive NewsVLYValley National Bancorp4.0034 of 5 stars$8.64-1.6%$10.55+22.1%+33.6%$4.84B$1.87B12.523,830 Related Companies and Tools Related Companies Grupo Financiero Galicia Alternatives Mr. Cooper Group Alternatives UWM Alternatives Qifu Technology Alternatives OneMain Alternatives Cadence Bank Alternatives Banco Macro Alternatives Bank OZK Alternatives PennyMac Financial Services Alternatives Valley National Bancorp Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NYSE:BFH) was last updated on 6/12/2025 by MarketBeat.com Staff From Our PartnersTrump’s Exec Order #14154 could be a “Millionaire-Maker”Former Presidential Advisor, Jim Rickards, says Trump could “rewire our economy and hand millions of Americans...Paradigm Press | SponsoredTrump wipes out trillions overnight…Is there anybody more powerful than Donald Trump right now? 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