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Bread Financial (BFH) Competitors

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$106.26 +3.08 (+2.99%)
As of 08/21/2026 03:58 PM Eastern

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

Should you buy Bread Financial stock or one of its competitors? Bread Financial's main competitors and comparable companies include Huntington Bancshares (HBAN), Ally Financial (ALLY), Associated Banc (ASB), American Express (AXP), and Citigroup (C). 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 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 dividends, media sentiment, risk, earnings, institutional ownership, analyst recommendations, valuation and profitability.

Bread Financial has a beta of 1.11, indicating that its stock price is 11% more volatile than the broader market. Comparatively, Huntington Bancshares has a beta of 0.94, indicating that its stock price is 6% less volatile than the broader market.

In the previous week, Huntington Bancshares had 23 more articles in the media than Bread Financial. MarketBeat recorded 28 mentions for Huntington Bancshares and 5 mentions for Bread Financial. Huntington Bancshares' average media sentiment score of 1.32 beat Bread Financial's score of 1.23 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
3 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Huntington Bancshares
21 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive

Bread Financial presently has a consensus price target of $110.58, suggesting a potential upside of 4.07%. Huntington Bancshares has a consensus price target of $20.24, suggesting a potential upside of 18.84%. Given Huntington Bancshares' stronger consensus rating and higher probable 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
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47
Huntington Bancshares
1 Sell rating(s)
7 Hold rating(s)
15 Buy rating(s)
1 Strong Buy rating(s)
2.67

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 company insiders. Comparatively, 0.7% of Huntington Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company 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%. Huntington Bancshares pays an annual dividend of $0.62 per share and has a dividend yield of 3.6%. Bread Financial pays out 7.2% of its earnings in the form of a dividend. Huntington Bancshares pays out 48.1% 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.

Huntington Bancshares has a net margin of 16.64% compared to Bread Financial's net margin of 11.95%. Bread Financial's return on equity of 18.42% beat Huntington Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.95% 18.42% 2.76%
Huntington Bancshares 16.64%11.19%1.12%

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$4.70B0.87$518M$12.828.29
Huntington Bancshares$12.49B2.76$2.21B$1.2913.20

Summary

Huntington Bancshares beats Bread Financial on 12 of the 19 factors compared between the two stocks.

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

Bread Financial presently has a consensus target price of $110.58, indicating a potential upside of 4.07%. Ally Financial has a consensus target price of $53.64, indicating a potential upside of 24.87%. Given Ally Financial's stronger consensus rating and higher probable 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)
0 Strong Buy rating(s)
2.47
Ally Financial
0 Sell rating(s)
2 Hold rating(s)
14 Buy rating(s)
0 Strong Buy rating(s)
2.88

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$4.70B0.87$518M$12.828.29
Ally Financial$7.91B1.65$852M$4.2410.13

In the previous week, Ally Financial had 14 more articles in the media than Bread Financial. MarketBeat recorded 19 mentions for Ally Financial and 5 mentions for Bread Financial. Ally Financial's average media sentiment score of 1.48 beat Bread Financial's score of 1.23 indicating that Ally Financial is being referred to more favorably in the news media.

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

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 2.8%. 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.

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

Bread Financial has a beta of 1.11, meaning that its stock price is 11% more volatile than the broader market. Comparatively, Ally Financial has a beta of 1.1, meaning that its stock price is 10% more volatile than the broader market.

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%

Summary

Ally Financial beats Bread Financial on 11 of the 18 factors compared between the two stocks.

How does Bread Financial compare to Associated Banc?

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

Associated Banc has a beta of 0.77, suggesting that its stock price is 23% less volatile than the broader market. Comparatively, Bread Financial has a beta of 1.11, suggesting that its stock price is 11% more volatile than the broader market.

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

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
Associated Banc19.66% 10.64% 1.12%
Bread Financial 11.95%18.42%2.76%

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
Associated Banc$1.60B3.64$474.78M$2.8610.79
Bread Financial$4.70B0.87$518M$12.828.29

In the previous week, Associated Banc and Associated Banc both had 5 articles in the media. Bread Financial's average media sentiment score of 1.23 beat Associated Banc's score of 1.21 indicating that Bread Financial is being referred to more favorably in the news media.

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

Associated Banc pays an annual dividend of $0.96 per share and has a dividend yield of 3.1%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Associated Banc pays out 33.6% of its earnings in the form of a dividend. Bread Financial pays out 7.2% 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.

Associated Banc presently has a consensus price target of $31.60, indicating a potential upside of 2.40%. Bread Financial has a consensus price target of $110.58, indicating a potential upside of 4.07%. Given Bread Financial's higher probable upside, analysts plainly believe Bread Financial is more favorable than Associated Banc.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Associated Banc
0 Sell rating(s)
6 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
2.58
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47

Summary

Bread Financial beats Associated Banc on 12 of the 19 factors compared between the two stocks.

How does Bread Financial compare to American Express?

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

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
American Express$72.23B3.14$10.83B$16.4820.39
Bread Financial$4.70B0.87$518M$12.828.29

American Express has a beta of 1.04, suggesting that its stock price is 4% more volatile than the broader market. Comparatively, Bread Financial has a beta of 1.11, suggesting that its stock price is 11% more volatile than the broader market.

American Express pays an annual dividend of $3.80 per share and has a dividend yield of 1.1%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. American Express pays out 23.1% of its earnings in the form of a dividend. Bread Financial pays out 7.2% 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 raised 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 currently has a consensus price target of $373.32, indicating a potential upside of 11.11%. Bread Financial has a consensus price target of $110.58, indicating a potential upside of 4.07%. Given American Express' stronger consensus rating and higher possible upside, research analysts clearly believe American Express is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
American Express
1 Sell rating(s)
10 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.54
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47

84.3% of American Express shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 0.1% of American Express shares are owned by company insiders. Comparatively, 1.3% of Bread Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term 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
American Express15.07% 34.12% 3.77%
Bread Financial 11.95%18.42%2.76%

In the previous week, American Express had 102 more articles in the media than Bread Financial. MarketBeat recorded 107 mentions for American Express and 5 mentions for Bread Financial. American Express' average media sentiment score of 1.52 beat Bread Financial's score of 1.23 indicating that American Express is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
American Express
101 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Bread Financial
3 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

American Express beats Bread Financial on 16 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 finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, profitability, earnings, dividends, institutional ownership, media sentiment, analyst recommendations and risk.

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$4.70B0.87$518M$12.828.29
Citigroup$168.30B1.33$14.31B$9.2614.20

Bread Financial has a beta of 1.11, indicating that its stock price is 11% more volatile than the broader market. Comparatively, Citigroup has a beta of 1.12, indicating that its stock price is 12% more volatile than the broader market.

Bread Financial presently has a consensus price target of $110.58, suggesting a potential upside of 4.07%. Citigroup has a consensus price target of $145.22, suggesting a potential upside of 10.47%. Given Citigroup's stronger consensus rating and higher possible upside, analysts plainly 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)
0 Strong Buy rating(s)
2.47
Citigroup
0 Sell rating(s)
4 Hold rating(s)
13 Buy rating(s)
2 Strong Buy rating(s)
2.89

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

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%

In the previous week, Citigroup had 98 more articles in the media than Bread Financial. MarketBeat recorded 103 mentions for Citigroup and 5 mentions for Bread Financial. Bread Financial's average media sentiment score of 1.23 beat Citigroup's score of 0.72 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
3 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citigroup
58 Very Positive mention(s)
15 Positive mention(s)
11 Neutral mention(s)
12 Negative mention(s)
7 Very Negative mention(s)
Positive

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 2.0%. 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 raised 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 12 of the 20 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$4.07B$7.50B$13.63B$24.30B
Dividend Yield0.87%12.27%5.89%3.70%
P/E Ratio8.299.1829.6130.31
Price / Sales0.8778.62516.5719.89
Price / Cash6.4811.8238.1932.49
Price / Book1.212.752.186.77
Net Income$518M$442.63M$1.31B$1.07B
7 Day Performance-6.15%-0.51%-0.30%-0.65%
1 Month Performance2.32%2.24%2.37%3.38%
1 Year Performance70.20%8.79%9.68%14.90%

Bread Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
BFH
Bread Financial
4.0344 of 5 stars
$106.26
+3.0%
$110.58
+4.1%
+70.2%$4.07B$4.70B8.296,000
HBAN
Huntington Bancshares
4.9973 of 5 stars
$17.17
-2.8%
$20.24
+17.9%
-1.9%$34.69B$12.49B13.3120,424
ALLY
Ally Financial
4.9986 of 5 stars
$43.15
-1.1%
$53.64
+24.3%
+5.9%$13.12B$7.91B10.1810,300
ASB
Associated Banc
4.4645 of 5 stars
$30.83
-2.7%
$31.60
+2.5%
+16.5%$5.82B$2.46B10.784,000
AXP
American Express
4.4207 of 5 stars
$339.90
+0.4%
$373.32
+9.8%
+5.3%$229.54B$72.23B20.6276,800

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This page (NYSE:BFH) was last updated on 8/23/2026 by MarketBeat.com Staff.
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