Bread Financial (BFH) Competitors $60.40 +0.52 (+0.87%) Closing price 07/3/2025 03:30 PM EasternExtended Trading$60.36 -0.04 (-0.07%) As of 07/3/2025 04:20 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock BFH vs. COOP, GGAL, QFIN, UWMC, OMF, UPST, CADE, OZK, PFSI, and VLYShould you be buying Bread Financial stock or one of its competitors? The main competitors of Bread Financial include MR. COOPER GROUP (COOP), Grupo Financiero Galicia (GGAL), Qifu Technology (QFIN), UWM (UWMC), OneMain (OMF), Upstart (UPST), Cadence Bank (CADE), 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 MR. COOPER GROUP Grupo Financiero Galicia Qifu Technology UWM OneMain Upstart Cadence Bank Bank OZK PennyMac Financial Services Valley National Bancorp Bread Financial (NYSE:BFH) and Mr. Cooper Group (NASDAQ:COOP) are both mid-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, profitability, risk, institutional ownership, dividends, media sentiment, valuation and earnings. Which has more volatility and risk, BFH or COOP? Bread Financial has a beta of 1.38, meaning that its stock price is 38% more volatile than the S&P 500. Comparatively, Mr. Cooper Group has a beta of 1.05, meaning that its stock price is 5% more volatile than the S&P 500. Which has higher valuation & earnings, BFH or COOP? Mr. Cooper Group has lower revenue, but higher earnings than Bread Financial. Bread Financial is trading at a lower price-to-earnings ratio than Mr. Cooper Group, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioBread Financial$3.82B0.74$277M$5.6310.73Mr. Cooper Group$2.23B4.34$669M$8.8017.15 Do insiders and institutionals have more ownership in BFH or COOP? 99.5% of Bread Financial shares are held by institutional investors. Comparatively, 89.8% of Mr. Cooper Group shares are held by institutional investors. 0.9% of Bread Financial shares are held by company insiders. Comparatively, 1.7% of Mr. Cooper Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term. Does the media favor BFH or COOP? In the previous week, Mr. Cooper Group had 3 more articles in the media than Bread Financial. MarketBeat recorded 11 mentions for Mr. Cooper Group and 8 mentions for Bread Financial. Mr. Cooper Group's average media sentiment score of 0.65 beat Bread Financial's score of 0.12 indicating that Mr. Cooper Group is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Bread Financial 4 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Neutral Mr. Cooper Group 6 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Do analysts recommend BFH or COOP? Bread Financial presently has a consensus target price of $60.27, suggesting a potential downside of 0.21%. Mr. Cooper Group has a consensus target price of $133.29, suggesting a potential downside of 11.70%. Given Bread Financial's higher possible upside, research analysts clearly believe Bread Financial is more favorable than Mr. Cooper Group.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) 2.00Mr. Cooper Group 0 Sell rating(s) 3 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.63 Is BFH or COOP more profitable? Mr. Cooper Group has a net margin of 25.93% compared to Bread Financial's net margin of 5.89%. Mr. Cooper Group's return on equity of 15.27% beat Bread Financial's return on equity.Company Net Margins Return on Equity Return on Assets Bread Financial5.89% 12.60% 1.75% Mr. Cooper Group 25.93%15.27%4.17% SummaryMr. Cooper Group beats Bread Financial on 12 of the 16 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 FinancialFIN IndustryFinance SectorNYSE ExchangeMarket Cap$2.81B$7.54B$12.04B$20.64BDividend Yield1.43%4.83%5.57%3.74%P/E Ratio10.7318.1320.0728.10Price / Sales0.745.3225.8754.14Price / Cash5.0821.6621.5022.31Price / Book0.982.722.284.59Net Income$277M$304.38M$1.00B$986.06M7 Day Performance6.01%7.10%2.21%2.79%1 Month Performance20.68%11.98%4.45%5.42%1 Year Performance33.07%24.96%540.85%14.63% Bread Financial Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)BFHBread Financial2.5923 of 5 stars$60.40+0.9%$60.27-0.2%+33.1%$2.81B$3.82B10.736,000Analyst RevisionCOOPMR. COOPER GROUP4.227 of 5 stars$152.34+2.2%$131.14-13.9%+85.8%$9.54B$2.23B13.487,900Analyst ForecastInsider TradeGGALGrupo Financiero Galicia2.5354 of 5 stars$50.37-3.1%$61.20+21.5%+78.0%$7.67B$10.79B7.4212,440QFINQifu Technology4.1595 of 5 stars$43.18+0.9%$45.10+4.4%+113.2%$6.75B$2.35B6.573,527Analyst ForecastUWMCUWM3.3897 of 5 stars$4.22+4.5%$6.86+62.5%-38.2%$6.46B$2.16B0.009,100Analyst ForecastInsider TradeHigh Trading VolumeOMFOneMain4.9527 of 5 stars$54.07-0.1%$58.40+8.0%+22.1%$6.44B$4.99B10.489,000Insider TradeUPSTUpstart3.5041 of 5 stars$59.07+1.8%$66.96+13.4%+218.9%$5.52B$636.53M0.001,193CADECadence Bank3.6685 of 5 stars$31.08+2.6%$36.82+18.5%+21.3%$5.52B$2.90B10.705,335OZKBank OZK3.7031 of 5 stars$46.28+2.1%$50.86+9.9%+25.5%$5.14B$2.77B7.433,028News CoveragePositive NewsDividend IncreasePFSIPennyMac Financial Services4.7432 of 5 stars$97.02+1.7%$121.17+24.9%+9.0%$4.93B$1.59B9.124,100News CoverageAnalyst ForecastVLYValley National Bancorp4.4099 of 5 stars$8.85+2.1%$10.55+19.2%+46.3%$4.86B$3.58B13.983,732Positive NewsAnalyst UpgradeGap Up Related Companies and Tools Related Companies MR. COOPER GROUP Alternatives Grupo Financiero Galicia Alternatives Qifu Technology Alternatives UWM Alternatives OneMain Alternatives Upstart Alternatives Cadence Bank 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 7/4/2025 by MarketBeat.com Staff From Our PartnersINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredElon’s RevengeElon Musk and President Trump's new feud is all over the news... 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