Advertisement
BFH vs SYF
Which Stock Would AI Choose? Bread Financial Holdings (BFH) vs. Synchrony Financial (SYF) Stock Comparison
Key Takeaways
- Bread Financial Holdings (BFH) and Synchrony Financial (SYF) operate in the consumer financial services sector, focusing on credit card issuance and related products.
- Both stocks have shown resilience in recent market activity amid fluctuating consumer spending and credit trends.
- BFH has delivered stronger year-to-date returns compared to broader market benchmarks in recent weeks.
- SYF maintains a larger scale with diversified partnerships, potentially offering different risk profiles.
- Recent analyst activity includes mixed price target adjustments for both companies, reflecting ongoing sector scrutiny.
- Market sentiment for both remains tied to macroeconomic factors such as interest rates and consumer credit quality.
Introduction
Investors and traders often compare BFH and SYF due to their positions in the consumer finance industry, where they provide credit cards, loans, and payment solutions. This stock comparison highlights relative performance, business models, and market positioning to assist those evaluating financial services equities. The analysis appeals to portfolio managers, active traders, and individuals seeking sector exposure through established players with varying scales and growth drivers.
BFH Overview and Recent Performance
Bread Financial Holdings, Inc. (BFH) provides payment, risk management, and marketing solutions primarily through credit card programs. In recent weeks, the stock has traded near the upper end of its 52-week range, supported by reported loan growth and credit metric improvements. Year-to-date returns have outpaced the S&P 500, with the share price around $99 amid analyst upgrades from several firms. Leadership transitions in commercial operations have occurred, alongside periodic price target revisions that reflect both optimism on fundamentals and caution on valuations.
SYF Overview and Recent Performance
Synchrony Financial (SYF) is a consumer financial services company offering credit products through partnerships with retailers and other businesses. Recent market activity has shown steady performance influenced by similar credit environment dynamics as peers. The stock has experienced analyst commentary on earnings potential and sector positioning, with returns tracking broader financials in recent weeks. Its larger asset base provides scale advantages, though it faces comparable pressures from consumer spending patterns and regulatory considerations.
Trending AI Robots
Tickeron’s Trending AI Robots page curates the platform’s most promising AI trading bots for current market conditions. Tickeron maintains hundreds of AI Trading Bots that trade thousands of different tickers, yet only the strongest performers suited to prevailing environments earn placement in this section. Available bots demonstrate varied trading styles, strategies, timeframes, and statistics, with examples including selections of 25 out of 351 total bots featuring returns up to +241% and win rates in the 70–80% range across sectors. These tools differ in risk management approaches and asset focus. Explore the full selection on the Trending AI Robots page for detailed comparisons.
Head-to-Head Comparison
In business models, BFH emphasizes integrated marketing and risk services alongside credit cards, while SYF leverages extensive retail partnerships for broader distribution. Growth drivers for both center on loan origination and net interest income (NII), though BFH has highlighted recent improvements in credit metrics. Recent momentum favors BFH on relative returns, whereas SYF offers greater scale that may moderate volatility. Risk factors include exposure to consumer credit cycles and interest rate sensitivity for both. Sector exposure remains concentrated in financials, with sentiment influenced by economic data releases. Trade-offs involve BFH’s potentially higher upside versus SYF’s established market presence.
Tickeron AI Verdict
Based on observable trend consistency, stability indicators, and relative positioning in recent market activity, Tickeron’s AI would currently assign a probabilistic edge to BFH due to stronger recent performance metrics and positive fundamental signals. However, outcomes depend on evolving catalysts and broader conditions, with no definitive preference implied.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
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 Buy and SYF is a Buy.
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 1 FA rating(s) are green whileSYF’s FA Score has 1 green FA rating(s).
- BFH’s FA Score: 1 green, 4 red.
- SYF’s FA Score: 1 green, 4 red.
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 4 TA indicator(s) are bullish while SYF’s TA Score has 7 bullish TA indicator(s).
- BFH’s TA Score: 4 bullish, 4 bearish.
- SYF’s TA Score: 7 bullish, 3 bearish.
Price Growth
BFH (@Savings Banks) experienced а +3.60% price change this week, while SYF (@Savings Banks) price change was +3.96% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.02%. For the same industry, the average monthly price growth was -7.19%, and the average quarterly price growth was +2.44%.
Reported Earning Dates
BFH is expected to report earnings on Oct 22, 2026.
SYF is expected to report earnings on Oct 21, 2026.
Industries' Descriptions
@Savings Banks (-0.02% 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.
| BFH | SYF | BFH / SYF | |
| Capitalization | 4.37B | 24.7B | 18% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 46.788 | -8.417 | -556% |
| P/E Ratio | 8.82 | 7.77 | 113% |
| Revenue | 3.89B | 15B | 26% |
| Total Cash | N/A | N/A | - |
| Total Debt | 3.94B | 16.4B | 24% |
BFH | SYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 46 | 21 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 70 Overvalued | 42 Fair valued | |
PROFIT vs RISK RATING 1..100 | 67 | 41 | |
SMR RATING 1..100 | 11 | 5 | |
PRICE GROWTH RATING 1..100 | 37 | 51 | |
P/E GROWTH RATING 1..100 | 67 | 60 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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.
SYF's Valuation (42) in the Finance Or Rental Or Leasing industry is in the same range as BFH (70) in the Data Processing Services industry. This means that SYF’s stock grew similarly to BFH’s over the last 12 months.
SYF's Profit vs Risk Rating (41) in the Finance Or Rental Or Leasing industry is in the same range as BFH (67) in the Data Processing Services industry. This means that SYF’s stock grew similarly to BFH’s over the last 12 months.
SYF's SMR Rating (5) in the Finance Or Rental Or Leasing industry is in the same range as BFH (11) in the Data Processing Services industry. This means that SYF’s stock grew similarly to BFH’s over the last 12 months.
BFH's Price Growth Rating (37) in the Data Processing Services industry is in the same range as SYF (51) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew similarly to SYF’s over the last 12 months.
SYF's P/E Growth Rating (60) in the Finance Or Rental Or Leasing industry is in the same range as BFH (67) in the Data Processing Services industry. This means that SYF’s stock grew similarly to BFH’s over the last 12 months.
| BFH | SYF | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 82% | 3 days ago 64% |
| Stochastic ODDS (%) | 3 days ago 81% | 3 days ago 62% |
| Momentum ODDS (%) | 3 days ago 75% | 3 days ago 77% |
| MACD ODDS (%) | 3 days ago 69% | 3 days ago 71% |
| TrendWeek ODDS (%) | 3 days ago 75% | 3 days ago 68% |
| TrendMonth ODDS (%) | 3 days ago 72% | 3 days ago 67% |
| Advances ODDS (%) | 6 days ago 74% | 6 days ago 64% |
| Declines ODDS (%) | 26 days ago 75% | 13 days ago 67% |
| BollingerBands ODDS (%) | 3 days ago 75% | 3 days ago 69% |
| Aroon ODDS (%) | 3 days ago 87% | 5 days ago 70% |
Advertisement
BFH and
Correlation & Price change
A.I.dvisor indicates that over the last year, BFH has been closely correlated with COF. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if BFH jumps, then COF could also see price increases.
SYF and
Correlation & Price change
A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.