Bread Financial (BFH) Competitors

Bread Financial logo
$104.00 +0.32 (+0.31%)
As of 03:58 PM Eastern

BFH vs. HBAN, ALLY, ASB, AXP, 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), Associated Banc (ASB), American Express (AXP), and Citizens Financial Group (CFG). These companies are all part of the "finance" sector.

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 business? We will contrast the two businesses based on the strength of their analyst recommendations, media sentiment, earnings, dividends, valuation, institutional ownership, profitability and risk.

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Huntington Bancshares pays an annual dividend of $0.62 per share and has a dividend yield of 3.6%. 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 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$4.70B0.89$518M$12.218.52
Huntington Bancshares$8.78B4.02$2.21B$1.3013.42

Bread Financial currently has a consensus price target of $96.42, suggesting a potential downside of 7.29%. Huntington Bancshares has a consensus price target of $20.05, suggesting a potential upside of 14.97%. Given Huntington Bancshares' stronger consensus rating and higher probable upside, analysts plainly 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)
8 Buy rating(s)
1 Strong Buy rating(s)
2.53
Huntington Bancshares
1 Sell rating(s)
4 Hold rating(s)
14 Buy rating(s)
1 Strong Buy rating(s)
2.75

In the previous week, Huntington Bancshares had 2 more articles in the media than Bread Financial. MarketBeat recorded 10 mentions for Huntington Bancshares and 8 mentions for Bread Financial. Huntington Bancshares' average media sentiment score of 0.90 beat Bread Financial's score of 0.78 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
5 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive
Huntington Bancshares
7 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Bread Financial has a beta of 1.12, suggesting that its share price is 12% more volatile than the broader market. Comparatively, Huntington Bancshares has a beta of 0.94, suggesting that its share price is 6% less volatile than the broader market.

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

Summary

Huntington Bancshares beats Bread Financial on 11 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 investment? We will contrast the two companies based on the strength of their dividends, media sentiment, risk, valuation, profitability, earnings, analyst recommendations and institutional ownership.

Ally Financial has a beta of 1.1, indicating that its share price is 10% 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.

In the previous week, Ally Financial had 4 more articles in the media than Bread Financial. MarketBeat recorded 12 mentions for Ally Financial and 8 mentions for Bread Financial. Ally Financial's average media sentiment score of 0.97 beat Bread Financial's score of 0.78 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
7 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
5 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive

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$7.91B1.76$852M$4.1011.07
Bread Financial$4.70B0.89$518M$12.218.52

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%

Ally Financial pays an annual dividend of $1.20 per share and has a dividend yield of 2.6%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. 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.

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

Ally Financial currently has a consensus target price of $53.29, indicating a potential upside of 17.40%. Bread Financial has a consensus target price of $96.42, indicating a potential downside of 7.29%. Given Ally Financial's stronger consensus rating and higher probable upside, equities analysts plainly 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)
8 Buy rating(s)
1 Strong Buy rating(s)
2.53

Summary

Ally Financial beats Bread Financial on 11 of the 19 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 better business? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, profitability, media sentiment, dividends, valuation and earnings.

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$4.70B0.89$518M$12.218.52
Associated Banc$2.46B2.30$474.78M$2.8810.39

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

In the previous week, Bread Financial had 5 more articles in the media than Associated Banc. MarketBeat recorded 8 mentions for Bread Financial and 3 mentions for Associated Banc. Associated Banc's average media sentiment score of 0.92 beat Bread Financial's score of 0.78 indicating that Associated Banc 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)
0 Positive mention(s)
1 Neutral mention(s)
2 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

Associated Banc has a net margin of 19.88% compared to Bread Financial's net margin of 11.90%. Bread Financial's return on equity of 18.79% beat Associated Banc's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.90% 18.79% 2.79%
Associated Banc 19.88%10.46%1.10%

Bread Financial presently has a consensus target price of $96.42, indicating a potential downside of 7.29%. Associated Banc has a consensus target price of $30.30, indicating a potential upside of 1.24%. Given Associated Banc's higher probable upside, analysts plainly believe Associated Banc 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)
8 Buy rating(s)
1 Strong Buy rating(s)
2.53
Associated Banc
0 Sell rating(s)
6 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.50

Bread Financial has a beta of 1.12, suggesting that its stock price is 12% more volatile than the broader market. Comparatively, Associated Banc has a beta of 0.77, suggesting that its stock price is 23% less volatile than the broader market.

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 3.2%. Bread Financial pays out 7.5% of its earnings in the form of a dividend. Associated Banc pays out 33.3% 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. Associated Banc has raised 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.

Summary

Bread Financial beats Associated Banc on 13 of the 20 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 business? We will contrast the two businesses based on the strength of their earnings, risk, valuation, dividends, institutional ownership, profitability, analyst recommendations and media sentiment.

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 has a beta of 1.12, suggesting that its share price is 12% more volatile than the broader market. Comparatively, American Express has a beta of 1.06, suggesting that its share price is 6% more volatile than the broader market.

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 1.1%. 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 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$4.70B0.89$518M$12.218.52
American Express$72.23B3.18$10.83B$16.0321.02

In the previous week, American Express had 59 more articles in the media than Bread Financial. MarketBeat recorded 67 mentions for American Express and 8 mentions for Bread Financial. American Express' average media sentiment score of 1.21 beat Bread Financial's score of 0.78 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
5 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive
American Express
53 Very Positive mention(s)
8 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
1 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 hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Bread Financial currently has a consensus price target of $96.42, suggesting a potential downside of 7.29%. American Express has a consensus price target of $360.80, suggesting a potential upside of 7.06%. 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
2 Sell rating(s)
4 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.53
American Express
1 Sell rating(s)
12 Hold rating(s)
10 Buy rating(s)
1 Strong Buy rating(s)
2.46

Summary

American Express beats Bread Financial on 14 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 better business? We will compare the two companies based on the strength of their media sentiment, profitability, valuation, dividends, earnings, analyst recommendations, institutional ownership and risk.

Bread Financial currently has a consensus target price of $96.42, suggesting a potential downside of 7.29%. Citizens Financial Group has a consensus target price of $71.21, suggesting a potential upside of 3.10%. Given Citizens Financial Group's stronger consensus rating and higher possible upside, analysts clearly believe Citizens Financial Group 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)
8 Buy rating(s)
1 Strong Buy rating(s)
2.53
Citizens Financial Group
0 Sell rating(s)
2 Hold rating(s)
18 Buy rating(s)
0 Strong Buy rating(s)
2.90

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$4.70B0.89$518M$12.218.52
Citizens Financial Group$12.06B2.42$1.83B$4.2316.33

In the previous week, Citizens Financial Group had 2 more articles in the media than Bread Financial. MarketBeat recorded 10 mentions for Citizens Financial Group and 8 mentions for Bread Financial. Citizens Financial Group's average media sentiment score of 1.44 beat Bread Financial's score of 0.78 indicating that Citizens Financial Group 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)
0 Positive mention(s)
1 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens Financial Group
9 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Bread Financial has a beta of 1.12, suggesting that its share price is 12% more volatile than the broader market. Comparatively, Citizens Financial Group has a beta of 0.68, suggesting that its share price is 32% less volatile than the broader market.

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

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
Bread Financial11.90% 18.79% 2.79%
Citizens Financial Group 16.21%8.31%0.88%

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 2.7%. Bread Financial pays out 7.5% of its earnings in the form of a dividend. Citizens Financial Group pays out 43.5% 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.

Summary

Citizens Financial Group beats Bread Financial on 11 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$4.19B$7.20B$13.98B$23.27B
Dividend Yield0.89%5.35%5.76%4.07%
P/E Ratio8.5217.7320.2331.08
Price / Sales0.8911.41143.8321.85
Price / Cash6.3555.7619.5224.45
Price / Book1.433.502.254.64
Net Income$518M$303.39M$1.14B$1.07B
7 Day Performance2.81%-1.34%-0.21%-1.04%
1 Month Performance20.18%-0.42%1.13%0.18%
1 Year Performance89.95%14.53%15.50%24.25%

Bread Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
BFH
Bread Financial
3.9383 of 5 stars
$104.00
+0.3%
$96.42
-7.3%
+92.1%$4.19B$4.70B8.526,000
HBAN
Huntington Bancshares
4.9575 of 5 stars
$16.85
-2.7%
$20.05
+19.0%
+7.6%$34.16B$8.78B12.9620,424
ALLY
Ally Financial
4.9561 of 5 stars
$45.44
-0.5%
$54.14
+19.2%
+23.5%$13.93B$9.37B11.0810,300
ASB
Associated Banc
3.9326 of 5 stars
$28.88
-1.6%
$30.30
+4.9%
+27.4%$5.45B$1.52B10.034,000
AXP
American Express
4.505 of 5 stars
$340.25
-0.1%
$359.05
+5.5%
+13.1%$232.16B$74.17B21.2376,800

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This page (NYSE:BFH) was last updated on 6/23/2026 by MarketBeat.com Staff.
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