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Bread Financial (BFH) Competitors

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$83.44 -1.19 (-1.40%)
Closing price 05/13/2026 03:59 PM Eastern
Extended Trading
$83.39 -0.05 (-0.06%)
As of 04:04 AM 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 Massive. Learn more.

BFH vs. HBAN, ALLY, AXP, C, and CFG

Should you buy Bread Financial stock or one of its competitors? MarketBeat compares Bread Financial with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Bread Financial include Huntington Bancshares (HBAN), Ally Financial (ALLY), American Express (AXP), Citigroup (C), and Citizens Financial Group (CFG).

How does Bread Financial compare to Huntington Bancshares?

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

In the previous week, Bread Financial had 2 more articles in the media than Huntington Bancshares. MarketBeat recorded 12 mentions for Bread Financial and 10 mentions for Huntington Bancshares. Huntington Bancshares' average media sentiment score of 1.11 beat Bread Financial's score of 0.47 indicating that Huntington Bancshares 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)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Huntington Bancshares
7 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bread Financial$4.70B0.72$518M$12.216.83
Huntington Bancshares$12.49B2.49$2.21B$1.3011.81

Bread Financial presently has a consensus target price of $93.36, indicating a potential upside of 11.89%. Huntington Bancshares has a consensus target price of $20.05, indicating a potential upside of 30.62%. Given Huntington Bancshares' stronger consensus rating and higher possible upside, analysts clearly believe Huntington Bancshares is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
2 Sell rating(s)
4 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.46
Huntington Bancshares
1 Sell rating(s)
4 Hold rating(s)
14 Buy rating(s)
1 Strong Buy rating(s)
2.75

Bread Financial has a beta of 1.12, suggesting that its stock price is 12% more volatile than the broader market. Comparatively, Huntington Bancshares has a beta of 0.96, suggesting that its stock price is 4% less volatile than the broader market.

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 1.1%. Huntington Bancshares pays an annual dividend of $0.62 per share and has a dividend yield of 4.0%. Bread Financial pays out 7.5% of its earnings in the form of a dividend. Huntington Bancshares pays out 47.7% 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.

Huntington Bancshares has a net margin of 16.63% compared to Bread Financial's net margin of 11.90%. Bread Financial's return on equity of 18.79% beat Huntington Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.90% 18.79% 2.79%
Huntington Bancshares 16.63%11.42%1.11%

99.5% of Bread Financial shares are owned by institutional investors. Comparatively, 80.7% of Huntington Bancshares shares are owned by institutional investors. 1.3% of Bread Financial shares are owned by insiders. Comparatively, 0.7% of Huntington Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

Huntington Bancshares beats Bread Financial on 10 of the 18 factors compared between the two stocks.

How does Bread Financial compare to Ally Financial?

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

Ally Financial currently has a consensus target price of $54.14, suggesting a potential upside of 29.86%. Bread Financial has a consensus target price of $93.36, suggesting a potential upside of 11.89%. Given Ally Financial's stronger consensus rating and higher probable upside, research analysts clearly believe Ally Financial is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Ally Financial
0 Sell rating(s)
2 Hold rating(s)
14 Buy rating(s)
0 Strong Buy rating(s)
2.88
Bread Financial
2 Sell rating(s)
4 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.46

Ally Financial has a net margin of 16.47% compared to Bread Financial's net margin of 11.90%. Bread Financial's return on equity of 18.79% beat Ally Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Ally Financial16.47% 11.41% 0.76%
Bread Financial 11.90%18.79%2.79%

88.8% of Ally Financial shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 0.5% of Ally Financial shares are owned by insiders. Comparatively, 1.3% of Bread Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

In the previous week, Bread Financial had 6 more articles in the media than Ally Financial. MarketBeat recorded 12 mentions for Bread Financial and 6 mentions for Ally Financial. Ally Financial's average media sentiment score of 0.58 beat Bread Financial's score of 0.47 indicating that Ally Financial is being referred to more favorably in the media.

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

Ally Financial pays an annual dividend of $1.20 per share and has a dividend yield of 2.9%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 1.1%. Ally Financial pays out 29.3% of its earnings in the form of a dividend. Bread Financial pays out 7.5% 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.

Ally Financial has a beta of 1.12, indicating that its share price is 12% more volatile than the broader market. Comparatively, Bread Financial has a beta of 1.12, indicating that its share price is 12% more volatile than the broader market.

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
Ally Financial$7.91B1.61$852M$4.1010.17
Bread Financial$4.70B0.72$518M$12.216.83

Summary

Ally Financial beats Bread Financial on 10 of the 18 factors compared between the two stocks.

How does Bread Financial compare to American Express?

Bread Financial (NYSE:BFH) and American Express (NYSE:AXP) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, valuation, risk, institutional ownership, dividends, profitability, media sentiment and analyst recommendations.

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 1.1%. American Express pays an annual dividend of $3.80 per share and has a dividend yield of 1.2%. Bread Financial pays out 7.5% of its earnings in the form of a dividend. American Express pays out 23.7% 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. American Express has increased its dividend for 4 consecutive years. American Express is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

American Express has a net margin of 15.13% compared to Bread Financial's net margin of 11.90%. American Express' return on equity of 33.95% beat Bread Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.90% 18.79% 2.79%
American Express 15.13%33.95%3.73%

Bread Financial presently has a consensus price target of $93.36, suggesting a potential upside of 11.89%. American Express has a consensus price target of $357.47, suggesting a potential upside of 15.59%. Given American Express' higher possible upside, analysts plainly believe American Express is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
2 Sell rating(s)
4 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.46
American Express
1 Sell rating(s)
13 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.32

In the previous week, American Express had 27 more articles in the media than Bread Financial. MarketBeat recorded 39 mentions for American Express and 12 mentions for Bread Financial. American Express' average media sentiment score of 1.11 beat Bread Financial's score of 0.47 indicating that American Express 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)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
American Express
28 Very Positive mention(s)
5 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

99.5% of Bread Financial shares are held by institutional investors. Comparatively, 84.3% of American Express shares are held by institutional investors. 1.3% of Bread Financial shares are held by insiders. Comparatively, 0.1% of American Express shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Bread Financial has a beta of 1.12, indicating that its share price is 12% more volatile than the broader market. Comparatively, American Express has a beta of 1.08, indicating that its share price is 8% more volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bread Financial$4.70B0.72$518M$12.216.83
American Express$72.23B2.92$10.83B$16.0319.29

Summary

American Express beats Bread Financial on 14 of the 20 factors compared between the two stocks.

How does Bread Financial compare to Citigroup?

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

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 1.1%. Citigroup pays an annual dividend of $2.40 per share and has a dividend yield of 1.9%. Bread Financial pays out 7.5% of its earnings in the form of a dividend. Citigroup pays out 29.7% 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. Citigroup has increased its dividend for 2 consecutive years. Citigroup is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Bread Financial has a net margin of 11.90% compared to Citigroup's net margin of 9.35%. Bread Financial's return on equity of 18.79% beat Citigroup's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.90% 18.79% 2.79%
Citigroup 9.35%9.19%0.67%

Bread Financial presently has a consensus price target of $93.36, suggesting a potential upside of 11.89%. Citigroup has a consensus price target of $137.62, suggesting a potential upside of 10.90%. Given Bread Financial's higher probable upside, equities research analysts plainly believe Bread Financial is more favorable than Citigroup.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
2 Sell rating(s)
4 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.46
Citigroup
0 Sell rating(s)
5 Hold rating(s)
14 Buy rating(s)
1 Strong Buy rating(s)
2.80

In the previous week, Citigroup had 128 more articles in the media than Bread Financial. MarketBeat recorded 140 mentions for Citigroup and 12 mentions for Bread Financial. Citigroup's average media sentiment score of 0.66 beat Bread Financial's score of 0.47 indicating that Citigroup 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)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Citigroup
70 Very Positive mention(s)
19 Positive mention(s)
23 Neutral mention(s)
13 Negative mention(s)
12 Very Negative mention(s)
Positive

99.5% of Bread Financial shares are held by institutional investors. Comparatively, 71.7% of Citigroup shares are held by institutional investors. 1.3% of Bread Financial shares are held by company insiders. Comparatively, 0.1% of Citigroup shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Bread Financial has a beta of 1.12, suggesting that its stock price is 12% more volatile than the broader market. Comparatively, Citigroup has a beta of 1.14, suggesting that its stock price is 14% more volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bread Financial$4.70B0.72$518M$12.216.83
Citigroup$168.30B1.26$14.31B$8.0715.38

Summary

Citigroup beats Bread Financial on 11 of the 19 factors compared between the two stocks.

How does Bread Financial compare to Citizens Financial Group?

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

Citizens Financial Group has a net margin of 16.21% compared to Bread Financial's net margin of 11.90%. Bread Financial's return on equity of 18.79% beat Citizens Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Group16.21% 8.31% 0.88%
Bread Financial 11.90%18.79%2.79%

Citizens Financial Group pays an annual dividend of $1.84 per share and has a dividend yield of 3.0%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 1.1%. Citizens Financial Group pays out 43.5% of its earnings in the form of a dividend. Bread Financial pays out 7.5% 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.

94.9% of Citizens Financial Group shares are held by institutional investors. Comparatively, 99.5% of Bread Financial shares are held by institutional investors. 0.7% of Citizens Financial Group shares are held by insiders. Comparatively, 1.3% of Bread Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Citizens Financial Group currently has a consensus price target of $70.88, suggesting a potential upside of 17.34%. Bread Financial has a consensus price target of $93.36, suggesting a potential upside of 11.89%. Given Citizens Financial Group's stronger consensus rating and higher probable upside, analysts plainly believe Citizens Financial Group is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Financial Group
0 Sell rating(s)
1 Hold rating(s)
19 Buy rating(s)
0 Strong Buy rating(s)
2.95
Bread Financial
2 Sell rating(s)
4 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.46

In the previous week, Bread Financial had 1 more articles in the media than Citizens Financial Group. MarketBeat recorded 12 mentions for Bread Financial and 11 mentions for Citizens Financial Group. Citizens Financial Group's average media sentiment score of 1.14 beat Bread Financial's score of 0.47 indicating that Citizens Financial Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens Financial Group
10 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
4 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Group$12.06B2.12$1.83B$4.2314.28
Bread Financial$4.70B0.72$518M$12.216.83

Citizens Financial Group has a beta of 0.7, meaning that its stock price is 30% less volatile than the broader market. Comparatively, Bread Financial has a beta of 1.12, meaning that its stock price is 12% more volatile than the broader market.

Summary

Citizens Financial Group beats Bread Financial on 10 of the 19 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$3.42B$7.14B$13.49B$22.96B
Dividend Yield1.09%5.70%5.81%4.07%
P/E Ratio6.8389.7623.1428.29
Price / Sales0.7212.44175.5524.51
Price / Cash5.1872.3920.5025.11
Price / Book1.012.642.144.73
Net Income$518M$301.20M$1.11B$1.07B
7 Day Performance-3.25%-1.42%-1.14%-1.11%
1 Month Performance0.89%1.48%0.13%1.36%
1 Year Performance50.11%16.85%10.81%24.41%

Bread Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
BFH
Bread Financial
4.6084 of 5 stars
$83.44
-1.4%
$93.36
+11.9%
+50.7%$3.42B$4.70B6.836,000
HBAN
Huntington Bancshares
5 of 5 stars
$16.64
+1.4%
$20.05
+20.5%
-4.6%$33.73B$12.49B12.8020,424
ALLY
Ally Financial
4.983 of 5 stars
$44.40
+2.7%
$54.14
+22.0%
+13.7%$13.67B$7.91B10.8310,300
AXP
American Express
4.2358 of 5 stars
$322.01
+1.9%
$357.47
+11.0%
+2.3%$219.72B$72.23B20.0976,800
C
Citigroup
4.866 of 5 stars
$127.52
-0.4%
$136.79
+7.3%
+64.3%$218.68B$168.30B15.80226,000

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This page (NYSE:BFH) was last updated on 5/14/2026 by MarketBeat.com Staff.
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