BFH vs. SYF
BFH (Bread Financial Holdings Inc) and SYF (Synchrony Financial) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, BFH returned -5.18%/yr vs 11.16%/yr for SYF. A 0.68 correlation means they provide meaningful diversification when combined.
Performance
BFH vs. SYF - 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 SYF's -14.47% return. Over the past 10 years, BFH has underperformed SYF with an annualized return of -5.18%, while SYF has yielded a comparatively higher 11.16% 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%
SYF
- 1D
- 3.00%
- 1M
- -4.07%
- YTD
- -14.47%
- 6M
- -11.25%
- 1Y
- 24.35%
- 3Y*
- 32.13%
- 5Y*
- 9.71%
- 10Y*
- 11.16%
BFH vs. SYF - 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% |
SYF Synchrony Financial | -14.47% | 30.64% | 74.01% | 19.76% | -27.43% | 36.40% | -0.08% | 57.48% | -37.84% | 8.35% |
Correlation
The correlation between BFH and SYF is 0.76, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.76 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.74 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.77 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.71 |
Correlation (All Time) Calculated using the full available price history since Aug 1, 2014 | 0.68 |
The correlation between BFH and SYF has been stable across timeframes, ranging from 0.68 to 0.77 - a consistent structural relationship.
Fundamentals
BFH:
$3.94B
SYF:
$24.49B
BFH:
$12.20
SYF:
$9.85
BFH:
7.47
SYF:
7.19
BFH:
0.16
SYF:
0.69
BFH:
0.89
SYF:
1.30
BFH:
1.18
SYF:
1.61
BFH:
$4.72B
SYF:
$19.92B
BFH:
$3.02B
SYF:
$12.16B
BFH:
$719.00M
SYF:
$4.94B
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Return for Risk
BFH vs. SYF — Risk / Return Rank
BFH
SYF
BFH vs. SYF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bread Financial Holdings Inc (BFH) and Synchrony Financial (SYF). 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 | SYF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.28 | ||
| Sortino ratioReturn per unit of downside risk | +1.30 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.16 | +0.18 |
| Calmar ratioReturn relative to maximum drawdown | 4.42 | 0.89 | +3.54 |
| Martin ratioReturn relative to average drawdown | 11.34 | 2.01 | +9.33 |
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 | SYF | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.11 | 0.84 | +1.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.02 | 0.27 | -0.24 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | -0.10 | 0.28 | -0.39 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.23 | 0.32 | -0.10 |
Drawdowns
BFH vs. SYF - Drawdown Comparison
The maximum BFH drawdown since its inception was -92.36%, which is greater than SYF's maximum drawdown of -66.37%. Use the drawdown chart below to compare losses from any high point for BFH and SYF.
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Drawdown Indicators
| BFH | SYF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -92.36% | -66.37% | -25.99% |
Max Drawdown (1Y)Largest decline over 1 year | -19.26% | -27.61% | +8.35% |
Max Drawdown (3Y)Largest decline over 3 years | -36.66% | -37.75% | +1.09% |
Max Drawdown (5Y)Largest decline over 5 years | -74.16% | -46.65% | -27.51% |
Max Drawdown (10Y)Largest decline over 10 years | -91.53% | -66.37% | -25.16% |
Current DrawdownCurrent decline from peak | -57.09% | -19.34% | -37.75% |
Average DrawdownAverage peak-to-trough decline | -32.41% | -16.99% | -15.42% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.50% | 12.14% | -4.64% |
Volatility
BFH vs. SYF - Volatility Comparison
Bread Financial Holdings Inc (BFH) has a higher volatility of 10.30% compared to Synchrony Financial (SYF) at 8.57%. This indicates that BFH's price experiences larger fluctuations and is considered to be riskier than SYF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| BFH | SYF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.30% | 8.57% | +1.73% |
Volatility (6M)Calculated over the trailing 6-month period | 31.62% | 23.19% | +8.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 40.55% | 29.32% | +11.23% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 46.74% | 36.74% | +10.00% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 50.67% | 39.52% | +11.15% |
Dividends
BFH vs. SYF - Dividend Comparison
BFH's dividend yield for the trailing twelve months is around 0.99%, less than SYF's 1.70% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
SYF Synchrony Financial | 1.70% | 1.38% | 1.54% | 2.51% | 2.74% | 1.90% | 2.54% | 2.39% | 3.07% | 1.45% | 0.72% |
Financials
BFH vs. SYF - Financials Comparison
This section allows you to compare key financial metrics between Bread Financial Holdings Inc and Synchrony Financial. 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. SYF - 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%.
SYF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Synchrony Financial reported a gross profit of 4.64B and revenue of 5.60B. Therefore, the gross margin over that period was 82.7%.
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%.
SYF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Synchrony Financial reported an operating income of 914.00M and revenue of 5.60B, resulting in an operating margin of 16.3%.
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%.
SYF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Synchrony Financial reported a net income of 805.00M and revenue of 5.60B, resulting in a net margin of 14.4%.
Frequently Asked Questions
BFH and SYF have a correlation of 0.76, 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 SYF (8.57%). In terms of maximum drawdown, BFH dropped -92.36% vs SYF's -66.37%.
BFH currently has the higher Sharpe Ratio (2.11 vs 0.84), 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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