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Bread Financial (BFH) Competitors

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$63.32 +2.32 (+3.81%)
Closing price 07/25/2025 03:59 PM Eastern
Extended Trading
$63.27 -0.05 (-0.08%)
As of 07/25/2025 07:13 PM Eastern
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BFH vs. ALLY, AXP, C, CFG, COF, ENVA, OMF, SF, SNV, and SYF

Should you be buying Bread Financial stock or one of its competitors? The main competitors of Bread Financial include Ally Financial (ALLY), American Express (AXP), Citigroup (C), Citizens Financial Group (CFG), Capital One Financial (COF), Enova International (ENVA), OneMain (OMF), Stifel Financial (SF), Synovus Financial (SNV), and Synchrony Financial (SYF).

Bread Financial vs. Its Competitors

Bread Financial (NYSE:BFH) and Ally Financial (NYSE:ALLY) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their dividends, analyst recommendations, institutional ownership, valuation, earnings, profitability, risk and media sentiment.

Ally Financial has higher revenue and earnings than Bread Financial. Bread Financial is trading at a lower price-to-earnings ratio than Ally Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bread Financial$4.80B0.61$277M$5.6311.25
Ally Financial$8.18B1.45$668M$1.5425.02

Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.3%. Ally Financial pays an annual dividend of $1.20 per share and has a dividend yield of 3.1%. Bread Financial pays out 14.9% of its earnings in the form of a dividend. Ally Financial pays out 77.9% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Ally Financial has a net margin of 7.64% compared to Bread Financial's net margin of 6.05%. Bread Financial's return on equity of 13.10% beat Ally Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial6.05% 13.10% 1.83%
Ally Financial 7.64%9.48%0.59%

Bread Financial has a beta of 1.38, suggesting that its stock price is 38% more volatile than the S&P 500. Comparatively, Ally Financial has a beta of 1.15, suggesting that its stock price is 15% more volatile than the S&P 500.

In the previous week, Ally Financial had 9 more articles in the media than Bread Financial. MarketBeat recorded 27 mentions for Ally Financial and 18 mentions for Bread Financial. Ally Financial's average media sentiment score of 0.98 beat Bread Financial's score of 0.98 indicating that Ally Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Bread Financial
5 Very Positive mention(s)
2 Positive mention(s)
7 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Ally Financial
20 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Bread Financial currently has a consensus price target of $64.42, indicating a potential upside of 1.73%. Ally Financial has a consensus price target of $42.80, indicating a potential upside of 11.07%. Given Ally Financial's stronger consensus rating and higher probable upside, analysts plainly believe Ally Financial is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
3 Sell rating(s)
6 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.08
Ally Financial
1 Sell rating(s)
7 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.47

99.5% of Bread Financial shares are owned by institutional investors. Comparatively, 88.8% of Ally Financial shares are owned by institutional investors. 0.9% of Bread Financial shares are owned by insiders. Comparatively, 0.7% of Ally Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

Ally Financial beats Bread Financial on 11 of the 18 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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BFH vs. The Competition

MetricBread FinancialFIN IndustryFinance SectorNYSE Exchange
Market Cap$2.84B$7.95B$12.29B$21.11B
Dividend Yield1.38%4.72%5.55%3.60%
P/E Ratio10.7118.8119.0328.44
Price / Sales0.615.2126.1058.61
Price / Cash5.1821.4421.6322.92
Price / Book0.932.792.204.69
Net Income$277M$311.63M$997.25M$995.51M
7 Day Performance3.47%0.33%0.60%1.64%
1 Month Performance12.14%17.86%3.44%5.92%
1 Year Performance15.11%27.09%536.57%11.50%

Bread Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
BFH
Bread Financial
3.6394 of 5 stars
$63.32
+3.8%
$64.42
+1.7%
+21.0%$2.84B$4.80B10.716,000Trending News
Earnings Report
Dividend Announcement
Analyst Forecast
ALLY
Ally Financial
4.9842 of 5 stars
$40.65
+0.5%
$42.67
+5.0%
-11.1%$12.49B$8.18B29.8910,700Earnings Report
Analyst Forecast
AXP
American Express
4.4146 of 5 stars
$320.83
+0.4%
$307.68
-4.1%
+29.7%$224.77B$65.95B22.4075,100Earnings Report
Analyst Revision
C
Citigroup
4.9352 of 5 stars
$87.50
+0.9%
$87.89
+0.5%
+49.2%$163.42B$170.76B13.82239,000Trending News
Analyst Revision
CFG
Citizens Financial Group
4.477 of 5 stars
$47.89
+0.5%
$49.32
+3.0%
+14.4%$20.93B$12.36B15.2017,287Dividend Announcement
COF
Capital One Financial
4.9322 of 5 stars
$220.76
+0.4%
$222.07
+0.6%
+43.5%$84.58B$53.94B18.5452,600Trending News
Earnings Report
Analyst Forecast
Insider Trade
ENVA
Enova International
2.2472 of 5 stars
$115.78
+0.8%
$111.00
-4.1%
+31.0%$2.94B$2.66B13.641,787Trending News
Earnings Report
OMF
OneMain
4.7943 of 5 stars
$58.90
+0.0%
$60.00
+1.9%
+13.2%$7.01B$4.99B12.459,000Trending News
Earnings Report
Dividend Announcement
SF
Stifel Financial
4.1517 of 5 stars
$110.33
+2.0%
$110.88
+0.5%
+30.0%$11.33B$5.00B21.109,000Positive News
Upcoming Earnings
SNV
Synovus Financial
4.8794 of 5 stars
$54.70
+0.3%
$59.35
+8.5%
+6.1%$7.60B$3.43B15.324,775Trending News
Analyst Forecast
Gap Down
SYF
Synchrony Financial
4.9586 of 5 stars
$70.93
+0.5%
$70.63
-0.4%
+44.7%$27.00B$22.65B9.7320,000Trending News
Earnings Report
Dividend Announcement
Analyst Forecast
Analyst Revision

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This page (NYSE:BFH) was last updated on 7/26/2025 by MarketBeat.com Staff
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