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Bread Financial (BFH) Competitors

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$107.69 -0.38 (-0.35%)
Closing price 07/31/2026 03:59 PM Eastern
Extended Trading
$108.04 +0.35 (+0.32%)
As of 07/31/2026 07:34 PM 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, ASB, AXP, and C

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 Citigroup (C).

How does Bread Financial compare to Huntington Bancshares?

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

Huntington Bancshares currently has a consensus target price of $20.11, indicating a potential upside of 18.04%. Bread Financial has a consensus target price of $110.00, indicating a potential upside of 2.14%. Given Huntington Bancshares' stronger consensus rating and higher possible upside, equities research analysts clearly believe Huntington Bancshares is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Huntington Bancshares
1 Sell rating(s)
7 Hold rating(s)
14 Buy rating(s)
1 Strong Buy rating(s)
2.65
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47

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
Huntington Bancshares16.64% 11.19% 1.12%
Bread Financial 11.95%18.42%2.76%

Huntington Bancshares pays an annual dividend of $0.62 per share and has a dividend yield of 3.6%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Huntington Bancshares pays out 48.1% 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.

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
Huntington Bancshares$9.68B3.56$2.21B$1.2913.21
Bread Financial$3.89B1.06$518M$12.828.40

80.7% of Huntington Bancshares shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 0.7% of Huntington Bancshares shares are owned by insiders. Comparatively, 1.3% of Bread Financial shares are owned 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.

In the previous week, Huntington Bancshares had 11 more articles in the media than Bread Financial. MarketBeat recorded 21 mentions for Huntington Bancshares and 10 mentions for Bread Financial. Huntington Bancshares' average media sentiment score of 1.14 beat Bread Financial's score of 1.06 indicating that Huntington Bancshares is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Huntington Bancshares
14 Very Positive mention(s)
1 Positive mention(s)
4 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Huntington Bancshares has a beta of 0.93, suggesting that its stock price is 7% less volatile than the broader market. Comparatively, Bread Financial has a beta of 1.1, suggesting that its stock price is 10% more volatile than the broader market.

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?

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

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 large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

In the previous week, Ally Financial had 1 more articles in the media than Bread Financial. MarketBeat recorded 11 mentions for Ally Financial and 10 mentions for Bread Financial. Ally Financial's average media sentiment score of 1.41 beat Bread Financial's score of 1.06 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
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
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Ally Financial has a beta of 1.09, indicating that its stock price is 9% more volatile than the broader market. Comparatively, Bread Financial has a beta of 1.1, indicating that its stock price is 10% more volatile than the broader market.

Ally Financial pays an annual dividend of $1.20 per share and has a dividend yield of 2.8%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Ally Financial pays out 28.3% 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.

Ally Financial presently has a consensus price target of $53.86, indicating a potential upside of 24.18%. Bread Financial has a consensus price target of $110.00, indicating a potential upside of 2.14%. Given Ally Financial's stronger consensus rating and higher probable upside, equities research 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
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47

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$9.63B1.37$852M$4.2410.23
Bread Financial$3.89B1.06$518M$12.828.40

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
Ally Financial16.75% 11.75% 0.79%
Bread Financial 11.95%18.42%2.76%

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

Associated Banc presently has a consensus target price of $31.00, indicating a potential upside of 0.38%. Bread Financial has a consensus target price of $110.00, indicating a potential upside of 2.14%. Given Bread Financial's 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
Associated Banc
0 Sell rating(s)
6 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.50
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47

In the previous week, Associated Banc had 4 more articles in the media than Bread Financial. MarketBeat recorded 14 mentions for Associated Banc and 10 mentions for Bread Financial. Bread Financial's average media sentiment score of 1.06 beat Associated Banc's score of 0.52 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
6 Very Positive mention(s)
0 Positive mention(s)
5 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Associated Banc has a beta of 0.77, meaning that its share price is 23% less volatile than the broader market. Comparatively, Bread Financial has a beta of 1.1, meaning that its share price is 10% more volatile than the broader market.

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%

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 stock is poised for long-term growth.

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 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.

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$2.46B2.37$474.78M$2.8610.80
Bread Financial$3.89B1.06$518M$12.828.40

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

American Express has a beta of 1.04, suggesting that its share price is 4% more volatile than the broader market. Comparatively, Bread Financial has a beta of 1.1, suggesting that its share price is 10% 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 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 presently has a consensus target price of $372.95, suggesting a potential upside of 10.73%. Bread Financial has a consensus target price of $110.00, suggesting a potential upside of 2.14%. Given American Express' stronger consensus rating and higher probable 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)
11 Hold rating(s)
11 Buy rating(s)
1 Strong Buy rating(s)
2.50
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47

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$75.95B2.99$10.83B$16.4820.44
Bread Financial$3.89B1.06$518M$12.828.40

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 57 more articles in the media than Bread Financial. MarketBeat recorded 67 mentions for American Express and 10 mentions for Bread Financial. Bread Financial's average media sentiment score of 1.06 beat American Express' score of 0.89 indicating that Bread Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
American Express
41 Very Positive mention(s)
10 Positive mention(s)
9 Neutral mention(s)
6 Negative mention(s)
1 Very Negative mention(s)
Positive
Bread Financial
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

84.3% of American Express shares are held by institutional investors. Comparatively, 99.5% of Bread Financial shares are held by institutional investors. 0.1% of American Express 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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

American Express beats Bread Financial on 15 of the 20 factors compared between the two stocks.

How does Bread Financial compare to Citigroup?

Citigroup (NYSE:C) 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 profitability, media sentiment, analyst recommendations, institutional ownership, risk, earnings, valuation and dividends.

71.7% of Citigroup shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 0.1% of Citigroup shares are owned by insiders. Comparatively, 1.3% of Bread Financial 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.

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
Citigroup$91.38B2.48$14.31B$9.2614.33
Bread Financial$3.89B1.06$518M$12.828.40

In the previous week, Citigroup had 87 more articles in the media than Bread Financial. MarketBeat recorded 97 mentions for Citigroup and 10 mentions for Bread Financial. Bread Financial's average media sentiment score of 1.06 beat Citigroup's score of 0.64 indicating that Bread Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citigroup
58 Very Positive mention(s)
9 Positive mention(s)
12 Neutral mention(s)
8 Negative mention(s)
8 Very Negative mention(s)
Positive
Bread Financial
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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

Citigroup currently has a consensus target price of $145.67, suggesting a potential upside of 9.79%. Bread Financial has a consensus target price of $110.00, suggesting a potential upside of 2.14%. Given Citigroup's stronger consensus rating and higher possible upside, equities analysts plainly believe Citigroup is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citigroup
0 Sell rating(s)
4 Hold rating(s)
13 Buy rating(s)
2 Strong Buy rating(s)
2.89
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47

Citigroup pays an annual dividend of $2.68 per share and has a dividend yield of 2.0%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Citigroup pays out 28.9% 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. 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 11.95% 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
Citigroup10.23% 10.15% 0.72%
Bread Financial 11.95%18.42%2.76%

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$4.15B$7.23B$13.88B$23.65B
Dividend Yield0.83%12.26%5.95%4.21%
P/E Ratio8.409.3428.6830.99
Price / Sales1.0639.20464.9581.82
Price / Cash6.6111.6644.5018.73
Price / Book1.482.693.684.76
Net Income$518M$434.78M$1.31B$1.07B
7 Day Performance1.91%0.31%3.63%-0.34%
1 Month Performance5.48%-1.68%0.15%-0.53%
1 Year Performance87.03%16.58%13.06%19.19%

Bread Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
BFH
Bread Financial
4.0553 of 5 stars
$107.69
-0.3%
$110.00
+2.1%
+87.0%$4.15B$3.89B8.406,000
HBAN
Huntington Bancshares
5 of 5 stars
$16.84
-2.7%
$20.11
+19.4%
+6.2%$34.14B$12.49B13.0520,424
ALLY
Ally Financial
4.9918 of 5 stars
$42.99
-2.5%
$53.86
+25.3%
+17.1%$13.08B$7.91B10.1410,300
ASB
Associated Banc
4.24 of 5 stars
$30.68
-1.2%
$31.00
+1.0%
+28.4%$5.79B$2.46B10.734,000
AXP
American Express
4.2741 of 5 stars
$330.73
-1.8%
$372.95
+12.8%
+14.5%$223.35B$72.23B20.0776,800

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This page (NYSE:BFH) was last updated on 8/3/2026 by MarketBeat.com Staff.
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