BFH
Price
$59.45
Change
+$0.22 (+0.37%)
Updated
Oct 15, 11:52 AM (EDT)
Capitalization
2.76B
8 days until earnings call
Intraday Buy/Sell Signals
OPRT
Price
$5.57
Change
+$0.12 (+2.20%)
Updated
Oct 15, 12:13 PM (EDT)
Capitalization
240.73M
34 days until earnings call
Intraday Buy/Sell Signals
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BFH vs OPRT

Header iconBFH vs OPRT Comparison
Open Charts BFH vs OPRTBanner chart's image
Bread Financial Holdings
Price$59.45
Change+$0.22 (+0.37%)
Volume$830
Capitalization2.76B
Oportun Financial
Price$5.57
Change+$0.12 (+2.20%)
Volume$300
Capitalization240.73M
BFH vs OPRT Comparison Chart in %
BFH
Daily Signalchanged days ago
Gain/Loss if bought
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OPRT
Daily Signalchanged days ago
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BFH vs. OPRT commentary
Oct 15, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BFH is a Hold and OPRT is a Hold.

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COMPARISON
Comparison
Oct 15, 2025
Stock price -- (BFH: $59.24 vs. OPRT: $5.47)
Brand notoriety: BFH: Notable vs. OPRT: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: BFH: 182% vs. OPRT: 60%
Market capitalization -- BFH: $2.76B vs. OPRT: $240.73M
BFH [@Savings Banks] is valued at $2.76B. OPRT’s [@Savings Banks] market capitalization is $240.73M. The market cap for tickers in the [@Savings Banks] industry ranges from $676.19B to $0. The average market capitalization across the [@Savings Banks] industry is $21.99B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BFH’s FA Score shows that 2 FA rating(s) are green whileOPRT’s FA Score has 2 green FA rating(s).

  • BFH’s FA Score: 2 green, 3 red.
  • OPRT’s FA Score: 2 green, 3 red.
According to our system of comparison, both BFH and OPRT are a bad buy in the long-term.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BFH’s TA Score shows that 6 TA indicator(s) are bullish while OPRT’s TA Score has 4 bullish TA indicator(s).

  • BFH’s TA Score: 6 bullish, 4 bearish.
  • OPRT’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, BFH is a better buy in the short-term than OPRT.

Price Growth

BFH (@Savings Banks) experienced а +6.89% price change this week, while OPRT (@Savings Banks) price change was +1.11% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.66%. For the same industry, the average monthly price growth was -0.66%, and the average quarterly price growth was +45.02%.

Reported Earning Dates

BFH is expected to report earnings on Oct 23, 2025.

OPRT is expected to report earnings on Nov 18, 2025.

Industries' Descriptions

@Savings Banks (-0.66% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
BFH($2.76B) has a higher market cap than OPRT($241M). OPRT YTD gains are higher at: 40.979 vs. BFH (-1.884). OPRT has less debt than BFH: OPRT (2.76B) vs BFH (4.23B). BFH has higher revenues than OPRT: BFH (3.81B) vs OPRT (366M).
BFHOPRTBFH / OPRT
Capitalization2.76B241M1,146%
EBITDAN/AN/A-
Gain YTD-1.88440.979-5%
P/E Ratio9.96N/A-
Revenue3.81B366M1,040%
Total CashN/AN/A-
Total Debt4.23B2.76B153%
FUNDAMENTALS RATINGS
BFH vs OPRT: Fundamental Ratings
BFH
OPRT
OUTLOOK RATING
1..100
5465
VALUATION
overvalued / fair valued / undervalued
1..100
70
Overvalued
22
Undervalued
PROFIT vs RISK RATING
1..100
73100
SMR RATING
1..100
815
PRICE GROWTH RATING
1..100
5854
P/E GROWTH RATING
1..100
9100
SEASONALITY SCORE
1..100
75n/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

OPRT's Valuation (22) in the null industry is somewhat better than the same rating for BFH (70) in the Data Processing Services industry. This means that OPRT’s stock grew somewhat faster than BFH’s over the last 12 months.

BFH's Profit vs Risk Rating (73) in the Data Processing Services industry is in the same range as OPRT (100) in the null industry. This means that BFH’s stock grew similarly to OPRT’s over the last 12 months.

BFH's SMR Rating (8) in the Data Processing Services industry is in the same range as OPRT (15) in the null industry. This means that BFH’s stock grew similarly to OPRT’s over the last 12 months.

OPRT's Price Growth Rating (54) in the null industry is in the same range as BFH (58) in the Data Processing Services industry. This means that OPRT’s stock grew similarly to BFH’s over the last 12 months.

BFH's P/E Growth Rating (9) in the Data Processing Services industry is significantly better than the same rating for OPRT (100) in the null industry. This means that BFH’s stock grew significantly faster than OPRT’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFHOPRT
RSI
ODDS (%)
Bullish Trend 1 day ago
74%
Bullish Trend 1 day ago
83%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
80%
Bullish Trend 1 day ago
87%
Momentum
ODDS (%)
Bullish Trend 1 day ago
79%
Bearish Trend 1 day ago
84%
MACD
ODDS (%)
Bullish Trend 1 day ago
73%
Bearish Trend 1 day ago
89%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
75%
Bullish Trend 1 day ago
80%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
77%
Bearish Trend 1 day ago
86%
Advances
ODDS (%)
Bullish Trend 1 day ago
71%
Bullish Trend 1 day ago
77%
Declines
ODDS (%)
Bearish Trend 15 days ago
77%
Bearish Trend 6 days ago
80%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
75%
Bearish Trend 1 day ago
90%
Aroon
ODDS (%)
Bearish Trend 1 day ago
77%
Bullish Trend 1 day ago
72%
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BFH
Daily Signalchanged days ago
Gain/Loss if bought
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OPRT
Daily Signalchanged days ago
Gain/Loss if bought
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BFH and

Correlation & Price change

A.I.dvisor indicates that over the last year, BFH has been closely correlated with SYF. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if BFH jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BFH
1D Price
Change %
BFH100%
+5.00%
SYF - BFH
89%
Closely correlated
+3.85%
COF - BFH
79%
Closely correlated
+3.17%
ENVA - BFH
77%
Closely correlated
+4.24%
OMF - BFH
77%
Closely correlated
+4.81%
AXP - BFH
77%
Closely correlated
+3.01%
More

OPRT and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPRT has been loosely correlated with OMF. These tickers have moved in lockstep 50% of the time. This A.I.-generated data suggests there is some statistical probability that if OPRT jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPRT
1D Price
Change %
OPRT100%
+3.99%
OMF - OPRT
50%
Loosely correlated
+4.81%
ALLY - OPRT
48%
Loosely correlated
+5.47%
ENVA - OPRT
48%
Loosely correlated
+4.24%
SYF - OPRT
47%
Loosely correlated
+3.85%
BFH - OPRT
46%
Loosely correlated
+5.00%
More