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Bread Financial (BFH) Competitors

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$97.96 +1.02 (+1.05%)
Closing price 03:59 PM Eastern
Extended Trading
$98.00 +0.04 (+0.04%)
As of 07:30 PM Eastern
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BFH vs. ALLY, ASB, AXP, C, and CFG

Should you buy Bread Financial stock or one of its competitors? Bread Financial's main competitors and comparable companies include Ally Financial (ALLY), Associated Banc (ASB), American Express (AXP), Citigroup (C), and Citizens Financial Group (CFG). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "finance" sector.

How does Bread Financial compare to Ally Financial?

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

99.5% of Bread Financial shares are owned by institutional investors. Comparatively, 88.8% of Ally Financial shares are owned by institutional investors. 1.3% of Bread Financial shares are owned by company insiders. Comparatively, 0.5% of Ally Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

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$4.70B0.81$518M$12.827.69
Ally Financial$7.91B1.46$852M$4.248.98

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Ally Financial pays an annual dividend of $1.20 per share and has a dividend yield of 3.2%. Bread Financial pays out 7.2% of its earnings in the form of a dividend. Ally Financial pays out 28.3% 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.

Bread Financial presently has a consensus price target of $112.43, suggesting a potential upside of 14.01%. Ally Financial has a consensus price target of $52.36, suggesting a potential upside of 37.56%. Given Ally Financial's stronger consensus rating and higher possible upside, analysts clearly believe Ally Financial is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.56
Ally Financial
0 Sell rating(s)
3 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.88

Ally Financial has a net margin of 16.75% compared to Bread Financial's net margin of 11.95%. Bread Financial's return on equity of 18.42% beat Ally Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.95% 18.42% 2.76%
Ally Financial 16.75%11.75%0.79%

Bread Financial has a beta of 1.15, suggesting that its share price is 15% more volatile than the broader market. Comparatively, Ally Financial has a beta of 1.11, suggesting that its share price is 11% more volatile than the broader market.

In the previous week, Ally Financial had 8 more articles in the media than Bread Financial. MarketBeat recorded 11 mentions for Ally Financial and 3 mentions for Bread Financial. Bread Financial's average media sentiment score of 0.52 beat Ally Financial's score of 0.46 indicating that Bread Financial is being referred to more favorably in the media.

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

Summary

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

How does Bread Financial compare to Associated Banc?

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

Bread Financial has a beta of 1.15, meaning that its share price is 15% more volatile than the broader market. Comparatively, Associated Banc has a beta of 0.8, meaning that its share price is 20% less volatile than the broader market.

99.5% of Bread Financial shares are held by institutional investors. Comparatively, 83.0% of Associated Banc shares are held by institutional investors. 1.3% of Bread Financial shares are held by company insiders. Comparatively, 0.7% of Associated Banc shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Associated Banc pays an annual dividend of $0.96 per share and has a dividend yield of 3.3%. Bread Financial pays out 7.2% of its earnings in the form of a dividend. Associated Banc pays out 33.6% 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. Associated Banc has increased its dividend for 13 consecutive years. Associated Banc is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bread Financial$4.70B0.81$518M$12.827.69
Associated Banc$2.46B2.23$474.78M$2.8610.13

In the previous week, Bread Financial and Bread Financial both had 3 articles in the media. Bread Financial's average media sentiment score of 0.52 beat Associated Banc's score of 0.50 indicating that Bread Financial is being referred to more favorably in the media.

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

Bread Financial currently has a consensus price target of $112.43, suggesting a potential upside of 14.01%. Associated Banc has a consensus price target of $31.90, suggesting a potential upside of 10.07%. Given Bread Financial's stronger consensus rating and higher probable upside, analysts clearly believe Bread Financial is more favorable than Associated Banc.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.56
Associated Banc
0 Sell rating(s)
6 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.50

Associated Banc has a net margin of 19.66% compared to Bread Financial's net margin of 11.95%. Bread Financial's return on equity of 18.42% beat Associated Banc's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.95% 18.42% 2.76%
Associated Banc 19.66%10.64%1.12%

Summary

Bread Financial beats Associated Banc on 14 of the 19 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 superior stock? We will contrast the two businesses based on the strength of their institutional ownership, risk, valuation, dividends, analyst recommendations, profitability, media sentiment and earnings.

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$4.70B0.81$518M$12.827.69
American Express$72.23B2.83$10.83B$16.4818.36

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. American Express pays an annual dividend of $3.80 per share and has a dividend yield of 1.3%. Bread Financial pays out 7.2% of its earnings in the form of a dividend. American Express pays out 23.1% 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 15.07% compared to Bread Financial's net margin of 11.95%. American Express' return on equity of 34.12% beat Bread Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.95% 18.42% 2.76%
American Express 15.07%34.12%3.77%

Bread Financial has a beta of 1.15, meaning that its share price is 15% more volatile than the broader market. Comparatively, American Express has a beta of 1.08, meaning that its share price is 8% more volatile than the broader market.

Bread Financial presently has a consensus target price of $112.43, indicating a potential upside of 14.01%. American Express has a consensus target price of $366.96, indicating a potential upside of 21.29%. Given American Express' higher probable upside, analysts clearly believe American Express is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.56
American Express
1 Sell rating(s)
16 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.43

99.5% of Bread Financial shares are owned by institutional investors. Comparatively, 84.3% of American Express shares are owned by institutional investors. 1.3% of Bread Financial shares are owned by company insiders. Comparatively, 0.1% of American Express shares are owned by company 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.

In the previous week, American Express had 27 more articles in the media than Bread Financial. MarketBeat recorded 30 mentions for American Express and 3 mentions for Bread Financial. American Express' average media sentiment score of 0.59 beat Bread Financial's score of 0.52 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
0 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
American Express
10 Very Positive mention(s)
5 Positive mention(s)
10 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

American Express beats Bread Financial on 14 of the 19 factors compared between the two stocks.

How does Bread Financial compare to Citigroup?

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

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 stock will outperform the market over the long term.

Bread Financial has a beta of 1.15, suggesting that its stock price is 15% more volatile than the broader market. Comparatively, Citigroup has a beta of 1.13, suggesting that its stock price is 13% more volatile than the broader market.

In the previous week, Citigroup had 87 more articles in the media than Bread Financial. MarketBeat recorded 90 mentions for Citigroup and 3 mentions for Bread Financial. Bread Financial's average media sentiment score of 0.52 beat Citigroup's score of 0.40 indicating that Bread Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Bread Financial
0 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citigroup
30 Very Positive mention(s)
10 Positive mention(s)
29 Neutral mention(s)
12 Negative mention(s)
8 Very Negative mention(s)
Neutral

Bread Financial has a net margin of 11.95% compared to Citigroup's net margin of 10.23%. Bread Financial's return on equity of 18.42% beat Citigroup's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.95% 18.42% 2.76%
Citigroup 10.23%10.15%0.72%

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$4.70B0.81$518M$12.827.69
Citigroup$168.30B1.29$14.31B$9.2613.80

Bread Financial currently has a consensus price target of $112.43, suggesting a potential upside of 14.01%. Citigroup has a consensus price target of $149.33, suggesting a potential upside of 16.89%. Given Citigroup's stronger consensus rating and higher probable upside, analysts clearly believe Citigroup is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.56
Citigroup
0 Sell rating(s)
4 Hold rating(s)
13 Buy rating(s)
1 Strong Buy rating(s)
2.83

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Citigroup pays an annual dividend of $2.68 per share and has a dividend yield of 2.1%. Bread Financial pays out 7.2% of its earnings in the form of a dividend. Citigroup pays out 28.9% 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.

Summary

Citigroup beats Bread Financial on 10 of the 19 factors compared between the two stocks.

How does Bread Financial compare to Citizens Financial Group?

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

Citizens Financial Group has a net margin of 17.18% compared to Bread Financial's net margin of 11.95%. Bread Financial's return on equity of 18.42% beat Citizens Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.95% 18.42% 2.76%
Citizens Financial Group 17.18%8.85%0.93%

Bread Financial currently has a consensus price target of $112.43, suggesting a potential upside of 14.01%. Citizens Financial Group has a consensus price target of $79.50, suggesting a potential upside of 23.82%. 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
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.56
Citizens Financial Group
0 Sell rating(s)
4 Hold rating(s)
16 Buy rating(s)
0 Strong Buy rating(s)
2.80

Bread Financial has a beta of 1.15, indicating that its stock price is 15% more volatile than the broader market. Comparatively, Citizens Financial Group has a beta of 0.72, indicating that its stock price is 28% less volatile than the broader market.

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

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Citizens Financial Group pays an annual dividend of $1.84 per share and has a dividend yield of 2.9%. Bread Financial pays out 7.2% of its earnings in the form of a dividend. Citizens Financial Group pays out 39.9% 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.

In the previous week, Citizens Financial Group had 2 more articles in the media than Bread Financial. MarketBeat recorded 5 mentions for Citizens Financial Group and 3 mentions for Bread Financial. Bread Financial's average media sentiment score of 0.52 beat Citizens Financial Group's score of -0.09 indicating that Bread Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Bread Financial
0 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens Financial Group
0 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
1 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
Bread Financial$4.70B0.81$518M$12.827.69
Citizens Financial Group$12.06B2.24$1.83B$4.6113.93

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 FinancialConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$3.72B$6.71B$13.32B$22.70B
Dividend Yield0.95%12.78%6.03%3.74%
P/E Ratio7.018.4424.4927.75
Price / Sales0.8066.34504.0420.15
Price / Cash5.9311.0647.4539.56
Price / Book1.342.482.704.64
Net Income$518M$442.63M$1.32B$1.08B
7 Day Performance-4.95%-1.99%-1.04%-1.06%
1 Month Performance-8.24%-6.24%1.00%-5.03%
1 Year Performance77.58%0.82%8.15%5.78%

Bread Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
BFH
Bread Financial
4.6516 of 5 stars
$97.96
+1.1%
$112.43
+14.8%
+76.5%$3.72B$4.70B7.016,000
ALLY
Ally Financial
4.9766 of 5 stars
$37.63
-0.5%
$52.27
+38.9%
-3.0%$11.45B$9.63B8.8710,300
ASB
Associated Banc
4.6329 of 5 stars
$28.65
-0.1%
$31.90
+11.3%
+12.6%$5.41B$2.46B10.024,000
AXP
American Express
4.5095 of 5 stars
$304.21
-0.4%
$369.81
+21.6%
-8.1%$205.44B$75.95B18.4676,800
C
Citigroup
4.968 of 5 stars
$129.80
-0.8%
$149.50
+15.2%
+28.8%$221.38B$91.38B14.02226,000

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This page (NYSE:BFH) was last updated on 10/2/2026 by MarketBeat.com Staff.
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