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BFH vs SYF
Which Stock Would AI Choose? Bread Financial Holdings (BFH) vs. Synchrony Financial (SYF) Stock Comparison
Key Takeaways
- BFH has delivered stronger recent momentum, gaining 23% over the past month compared to SYF's 17%, amid broader market activity.
- Year-to-date, BFH is up 24% while SYF lags with a slight decline, highlighting BFH's relative outperformance.
- Both stocks trade at attractive valuations with P/E ratios around 8.5, supported by solid EPS figures of $10.84 for BFH and $9.28 for SYF.
- SYF boasts a larger market cap of $27B versus BFH's $3.9B, offering greater scale in consumer credit partnerships.
- Recent analyst upgrades for BFH and SYF's Q1 earnings beat signal positive sentiment shifts for both.
- Over the past year, BFH returned 102% compared to SYF's 62%, driven by resilient consumer financing demand.
Introduction
Bread Financial Holdings (BFH) and Synchrony Financial (SYF) are key players in the consumer credit services sector, specializing in private-label credit cards and financing programs for retailers. This stock comparison analyzes their business models, recent performance, and market positioning amid evolving consumer spending trends and interest rate dynamics. Traders seeking momentum plays and investors eyeing value in financial services will find insights into relative strengths, risks, and AI-driven perspectives on which may hold an edge in current conditions.
BFH Overview and Recent Performance
Bread Financial Holdings (BFH), formerly known as Alliance Data Systems, provides credit card issuance, loyalty programs, and marketing services primarily through partnerships with retailers. In recent market activity, BFH shares have shown robust momentum, rising 23% over the past month and 24% year-to-date, reaching a 52-week high near $92. This surge reflects improved credit metrics, stable balances, and analyst upgrades, including Morgan Stanley's shift to Equal Weight with a $91 target and RBC Capital's raise to $90. Sentiment has shifted positively due to the stock's outperformance against peers in recent weeks, bolstered by expectations of earnings growth in a resilient consumer environment.
SYF Overview and Recent Performance
Synchrony Financial (SYF) operates as a leading provider of consumer financing, offering private-label and co-branded credit cards, installment loans, and banking products across retail, health, and auto sectors. Recently, SYF shares advanced 17% in the past month, though year-to-date performance shows a modest decline amid sector rotation. Key drivers include a Q1 earnings beat with EPS of $2.27 versus $2.16 expected and revenue of $4.6B topping forecasts, alongside a $6.5B share repurchase and dividend hike to $0.34 quarterly. These catalysts have fueled outperformance versus competitors in recent trading sessions, supported by strong purchase volumes and partnerships like Walmart and RH.
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Head-to-Head Comparison
Both BFH and SYF focus on consumer credit cards and financing, but SYF exhibits greater diversification into health (CareCredit), auto, and digital banking, serving a broader partner base with $28B in market cap versus BFH's retail-centric model at $4B. Growth drivers include purchase volume resilience for SYF and credit sales stability for BFH, though BFH shows superior recent momentum (23% vs. 17% monthly) and one-year returns (102% vs. 62%). Risk factors encompass credit quality amid delinquencies (net charge-offs, or NCOs), with BFH's higher beta (1.54 vs. 1.38) indicating elevated volatility. Sector exposure ties both to consumer discretionary spending, but SYF benefits from scale and ROE (return on equity) of 21% versus BFH's comparable metrics. Market sentiment favors BFH on upgrades, while SYF gains from capital returns.
Tickeron AI Verdict
Tickeron's AI analysis leans toward BFH in the current environment, citing its consistent trend strength, superior short-term momentum, and relative outperformance amid recent upgrades and 52-week highs. While SYF offers stability through earnings beats and buybacks, BFH's positioning suggests higher probability of near-term upside, though both warrant monitoring for credit cycle shifts.
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. Disclaimers and Limitations
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 5 bullish TA indicator(s).
- BFH’s TA Score: 4 bullish, 4 bearish.
- SYF’s TA Score: 5 bullish, 4 bearish.
Price Growth
BFH (@Savings Banks) experienced а +1.15% price change this week, while SYF (@Savings Banks) price change was +1.47% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.05%. For the same industry, the average monthly price growth was +3.55%, and the average quarterly price growth was -3.97%.
Reported Earning Dates
BFH is expected to report earnings on Jul 23, 2026.
SYF is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Savings Banks (-0.05% 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 | 4.19B | 25.5B | 16% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 40.825 | -8.514 | -479% |
| P/E Ratio | 8.46 | 7.84 | 108% |
| Revenue | 3.89B | 15B | 26% |
| Total Cash | N/A | N/A | - |
| Total Debt | 3.94B | 16.4B | 24% |
BFH | SYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 43 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 59 Fair valued | |
PROFIT vs RISK RATING 1..100 | 82 | 38 | |
SMR RATING 1..100 | 11 | 5 | |
PRICE GROWTH RATING 1..100 | 38 | 48 | |
P/E GROWTH RATING 1..100 | 63 | 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 (59) in the Finance Or Rental Or Leasing industry is in the same range as BFH (64) 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 (38) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for BFH (82) in the Data Processing Services industry. This means that SYF’s stock grew somewhat faster than 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 (38) in the Data Processing Services industry is in the same range as SYF (48) 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 (63) 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 (%) | 2 days ago 73% | N/A |
| Stochastic ODDS (%) | 2 days ago 68% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 84% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 87% | 2 days ago 68% |
| TrendWeek ODDS (%) | 2 days ago 74% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 74% | 2 days ago 66% |
| Advances ODDS (%) | 2 days ago 72% | 2 days ago 63% |
| Declines ODDS (%) | 7 days ago 76% | 23 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 73% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 74% | 2 days ago 68% |
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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.