BFH vs. PDI
BFH (Bread Financial Holdings Inc) and PDI (PIMCO Dynamic Income Fund) are both stocks. Both are in the Financial Services sector — BFH in Credit Services, PDI in Asset Management. Over the past 10 years, BFH returned -5.18%/yr vs 7.55%/yr for PDI. At a 0.23 correlation, their price movements are largely independent.
Performance
BFH vs. PDI - Performance Comparison
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Returns By Period
In the year-to-date period, BFH achieves a 23.81% return, which is significantly higher than PDI's 0.99% return. Over the past 10 years, BFH has underperformed PDI with an annualized return of -5.18%, while PDI has yielded a comparatively higher 7.55% annualized return.
BFH
- 1D
- 3.16%
- 1M
- 7.40%
- YTD
- 23.81%
- 6M
- 27.30%
- 1Y
- 84.71%
- 3Y*
- 47.13%
- 5Y*
- 1.09%
- 10Y*
- -5.18%
PDI
- 1D
- 0.54%
- 1M
- -2.95%
- YTD
- 0.99%
- 6M
- -0.02%
- 1Y
- 2.82%
- 3Y*
- 11.51%
- 5Y*
- 2.79%
- 10Y*
- 7.55%
BFH vs. PDI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
BFH Bread Financial Holdings Inc | 23.81% | 23.06% | 88.97% | -10.23% | -42.42% | 13.62% | -32.70% | -23.82% | -40.18% | 11.92% |
PDI PIMCO Dynamic Income Fund | 0.99% | 11.03% | 17.18% | 11.99% | -16.99% | 7.81% | -9.96% | 22.23% | 7.35% | 18.59% |
Correlation
The correlation between BFH and PDI is 0.28, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.28 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.19 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.26 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.25 |
Correlation (All Time) Calculated using the full available price history since May 29, 2012 | 0.23 |
Fundamentals
BFH:
$3.94B
PDI:
$6.94B
BFH:
$12.20
PDI:
$3.86
BFH:
7.47
PDI:
4.36
BFH:
0.16
PDI:
0.07
BFH:
0.89
PDI:
3.23
BFH:
1.18
PDI:
0.94
BFH:
$4.72B
PDI:
$2.03B
BFH:
$3.02B
PDI:
$1.51B
BFH:
$719.00M
PDI:
$2.09B
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Return for Risk
BFH vs. PDI — Risk / Return Rank
BFH
PDI
BFH vs. PDI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bread Financial Holdings Inc (BFH) and PIMCO Dynamic Income Fund (PDI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| BFH | PDI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.86 | ||
| Sortino ratioReturn per unit of downside risk | +2.13 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.07 | +0.28 |
| Calmar ratioReturn relative to maximum drawdown | 4.42 | 0.26 | +4.16 |
| Martin ratioReturn relative to average drawdown | 11.34 | 0.57 | +10.77 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| BFH | PDI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.11 | 0.25 | +1.86 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.02 | 0.18 | -0.16 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | -0.10 | 0.40 | -0.50 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.23 | 0.59 | -0.36 |
Drawdowns
BFH vs. PDI - Drawdown Comparison
The maximum BFH drawdown since its inception was -92.36%, which is greater than PDI's maximum drawdown of -46.47%. Use the drawdown chart below to compare losses from any high point for BFH and PDI.
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Drawdown Indicators
| BFH | PDI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -92.36% | -46.47% | -45.89% |
Max Drawdown (1Y)Largest decline over 1 year | -19.26% | -10.95% | -8.31% |
Max Drawdown (3Y)Largest decline over 3 years | -36.66% | -17.55% | -19.11% |
Max Drawdown (5Y)Largest decline over 5 years | -74.16% | -27.23% | -46.93% |
Max Drawdown (10Y)Largest decline over 10 years | -91.53% | -46.47% | -45.06% |
Current DrawdownCurrent decline from peak | -57.09% | -6.91% | -50.18% |
Average DrawdownAverage peak-to-trough decline | -32.41% | -6.22% | -26.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.50% | 4.94% | +2.56% |
Volatility
BFH vs. PDI - Volatility Comparison
Bread Financial Holdings Inc (BFH) has a higher volatility of 10.30% compared to PIMCO Dynamic Income Fund (PDI) at 3.32%. This indicates that BFH's price experiences larger fluctuations and is considered to be riskier than PDI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| BFH | PDI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.30% | 3.32% | +6.98% |
Volatility (6M)Calculated over the trailing 6-month period | 31.62% | 8.12% | +23.50% |
Volatility (1Y)Calculated over the trailing 1-year period | 40.55% | 11.21% | +29.34% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 46.74% | 15.53% | +31.21% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 50.67% | 19.05% | +31.62% |
Dividends
BFH vs. PDI - Dividend Comparison
BFH's dividend yield for the trailing twelve months is around 0.99%, less than PDI's 15.73% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
BFH Bread Financial Holdings Inc | 0.99% | 1.16% | 1.38% | 2.55% | 2.23% | 1.07% | 1.70% | 2.25% | 1.52% | 0.82% | 0.23% | 0.00% |
PDI PIMCO Dynamic Income Fund | 15.73% | 14.94% | 14.43% | 14.74% | 17.84% | 10.21% | 10.01% | 9.45% | 10.78% | 8.81% | 14.79% | 18.70% |
Financials
BFH vs. PDI - Financials Comparison
This section allows you to compare key financial metrics between Bread Financial Holdings Inc and PIMCO Dynamic Income Fund. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
BFH vs. PDI - Profitability Comparison
BFH - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bread Financial Holdings Inc reported a gross profit of 715.00M and revenue of 1.21B. Therefore, the gross margin over that period was 59.0%.
PDI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PIMCO Dynamic Income Fund reported a gross profit of 558.21M and revenue of 615.21M. Therefore, the gross margin over that period was 90.7%.
BFH - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bread Financial Holdings Inc reported an operating income of 243.00M and revenue of 1.21B, resulting in an operating margin of 20.1%.
PDI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PIMCO Dynamic Income Fund reported an operating income of 529.42M and revenue of 615.21M, resulting in an operating margin of 86.1%.
BFH - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bread Financial Holdings Inc reported a net income of 181.00M and revenue of 1.21B, resulting in a net margin of 15.0%.
PDI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PIMCO Dynamic Income Fund reported a net income of 457.73M and revenue of 615.21M, resulting in a net margin of 74.4%.
Frequently Asked Questions
BFH and PDI have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
BFH has higher volatility (10.30%) compared to PDI (3.32%). In terms of maximum drawdown, BFH dropped -92.36% vs PDI's -46.47%.
BFH currently has the higher Sharpe Ratio (2.11 vs 0.25), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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