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Bread Financial (BFH) Competitors

$49.14
+1.69 (+3.56%)
(As of 07/15/2024 ET)

BFH vs. AFRM, CACC, OMF, SLM, NNI, ENVA, OCSL, LC, WRLD, and LPRO

Should you be buying Bread Financial stock or one of its competitors? The main competitors of Bread Financial include Affirm (AFRM), Credit Acceptance (CACC), OneMain (OMF), SLM (SLM), Nelnet (NNI), Enova International (ENVA), Oaktree Specialty Lending (OCSL), LendingClub (LC), World Acceptance (WRLD), and Open Lending (LPRO). These companies are all part of the "personal credit institutions" industry.

Bread Financial vs.

Affirm (NASDAQ:AFRM) and Bread Financial (NYSE:BFH) are both mid-cap business services companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, valuation, media sentiment, analyst recommendations, profitability, earnings, dividends, community ranking and institutional ownership.

In the previous week, Bread Financial had 8 more articles in the media than Affirm. MarketBeat recorded 14 mentions for Bread Financial and 6 mentions for Affirm. Affirm's average media sentiment score of 0.89 beat Bread Financial's score of 0.62 indicating that Bread Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
5 Very Positive mention(s)
1 Positive mention(s)
5 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

69.3% of Affirm shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 13.1% of Affirm shares are owned by insiders. Comparatively, 0.6% of Bread Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Bread Financial has a net margin of 8.08% compared to Bread Financial's net margin of -32.17%. Affirm's return on equity of 14.44% beat Bread Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm-32.17% -22.06% -6.56%
Bread Financial 8.08%14.44%1.88%

Affirm has a beta of 3.45, meaning that its share price is 245% more volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.98, meaning that its share price is 98% more volatile than the S&P 500.

Affirm presently has a consensus price target of $32.66, suggesting a potential upside of 1.73%. Bread Financial has a consensus price target of $41.69, suggesting a potential downside of 15.16%. Given Bread Financial's higher possible upside, analysts plainly believe Affirm is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
5 Sell rating(s)
9 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.00
Bread Financial
3 Sell rating(s)
11 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.00

Bread Financial has higher revenue and earnings than Affirm. Affirm 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 Ratio
Affirm$1.59B6.25-$985.34M-$2.23-14.39
Bread Financial$5.17B0.47$718M$7.946.19

Affirm received 62 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 33.65% of users gave Affirm an outperform vote while only 15.09% of users gave Bread Financial an outperform vote.

CompanyUnderperformOutperform
AffirmOutperform Votes
70
33.65%
Underperform Votes
138
66.35%
Bread FinancialOutperform Votes
8
15.09%
Underperform Votes
45
84.91%

Summary

Bread Financial beats Affirm on 10 of the 17 factors compared between the two stocks.

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 FinancialPersonal credit institutions IndustryBusiness SectorNYSE Exchange
Market Cap$2.44B$4.77B$6.60B$18.26B
Dividend Yield1.77%4.65%3.06%3.49%
P/E Ratio6.1915.8233.7623.74
Price / Sales0.472.811,118.7616.74
Price / Cash2.419.7627.5716.25
Price / Book0.831.854.564.97
Net Income$718M$298.49M$119.73M$969.69M
7 Day Performance9.37%8.28%19.42%4.66%
1 Month Performance25.07%11.81%12.95%6.04%
1 Year Performance41.00%10.51%8.59%9.17%

Bread Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
AFRM
Affirm
1.7097 of 5 stars
1.71 / 5 stars
$29.54
-0.2%
$32.66
+10.5%
+80.2%$9.13B$1.59B-13.252,171Options Volume
CACC
Credit Acceptance
2.528 of 5 stars
2.53 / 5 stars
$576.77
+2.9%
$402.33
-30.2%
+4.1%$6.98B$1.90B29.592,232Positive News
OMF
OneMain
4.7537 of 5 stars
4.75 / 5 stars
$49.49
+0.6%
$54.25
+9.6%
+6.9%$5.93B$4.56B9.659,100Short Interest ↑
SLM
SLM
4.6264 of 5 stars
4.63 / 5 stars
$21.91
+0.9%
$22.50
+2.7%
+33.5%$4.81B$2.84B6.851,740
NNI
Nelnet
4.182 of 5 stars
4.18 / 5 stars
$106.13
+1.4%
$96.00
-9.5%
+8.4%$3.86B$2.06B28.687,550
ENVA
Enova International
1.5749 of 5 stars
1.57 / 5 stars
$65.85
+0.8%
$67.60
+2.7%
+19.3%$1.86B$2.12B11.841,675
OCSL
Oaktree Specialty Lending
2.6428 of 5 stars
2.64 / 5 stars
$18.55
-0.3%
$20.67
+11.4%
-6.3%$1.51B$379.29M13.84N/APositive News
LC
LendingClub
4.6448 of 5 stars
4.64 / 5 stars
$9.62
+3.1%
$11.17
+16.1%
-2.7%$1.07B$864.62M28.291,025
WRLD
World Acceptance
0.8698 of 5 stars
0.87 / 5 stars
$132.58
+0.4%
$56.00
-57.8%
-3.0%$774.27M$573.21M10.002,872Upcoming Earnings
News Coverage
Positive News
LPRO
Open Lending
2.678 of 5 stars
2.68 / 5 stars
$5.92
+0.2%
$6.79
+14.6%
-45.3%$705.49M$117.46M53.82180Positive News

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This page (NYSE:BFH) was last updated on 7/15/2024 by MarketBeat.com Staff

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