BFH vs. SYF

Last updated Apr 1, 2026

Compare and contrast key facts about Bread Financial Holdings Inc (BFH) and Synchrony Financial (SYF).

Performance

BFH vs. SYF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Bread Financial Holdings Inc (BFH) and Synchrony Financial (SYF). The values are adjusted to include any dividend payments, if applicable.

BFH vs. SYF - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
BFH Bread Financial Holdings Inc	1.46%	23.06%	88.97%	-10.23%	-42.42%	13.62%	-32.70%	-23.82%	-40.18%	11.92%
SYF Synchrony Financial	-18.14%	30.64%	74.01%	19.76%	-27.43%	36.40%	-0.08%	57.48%	-37.84%	8.35%

Fundamentals

Market Cap BFH : $3.44B SYF : $20.69B
EPS BFH : $11.04 SYF : $10.03
PE Ratio BFH : 6.78 SYF : 6.78
PEG Ratio BFH : 0.15 SYF : 0.59
PS Ratio BFH : 0.75 SYF : 1.19
PB Ratio BFH : 1.04 SYF : 1.33
Total Revenue (TTM) BFH : $4.70B SYF : $20.21B
Gross Profit (TTM) BFH : $2.98B SYF : $12.29B
EBITDA (TTM) BFH : $694.00M SYF : $7.53B

Returns By Period

In the year-to-date period, BFH achieves a 1.46% return, which is significantly higher than SYF's -18.14% return. Over the past 10 years, BFH has underperformed SYF with an annualized return of -6.83%, while SYF has yielded a comparatively higher 11.30% annualized return.

BFH

• 1D: 2.55%
• 1M: 5.69%
• YTD: 1.46%
• 6M: 35.16%
• 1Y: 51.70%
• 3Y*: 37.81%
• 5Y*: -2.01%
• 10Y*: -6.83%

SYF

• 1D: 3.04%
• 1M: -1.58%
• YTD: -18.14%
• 6M: -3.48%
• 1Y: 30.83%
• 3Y*: 35.78%
• 5Y*: 12.81%
• 10Y*: 11.30%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

BFH vs. SYF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

BFH

BFH Risk / Return Rank: 78
BFH Sharpe Ratio Rank: 78
BFH Sortino Ratio Rank: 71
BFH Omega Ratio Rank: 73
BFH Calmar Ratio Rank: 83
BFH Martin Ratio Rank: 82

SYF

SYF Risk / Return Rank: 67
SYF Sharpe Ratio Rank: 69
SYF Sortino Ratio Rank: 62
SYF Omega Ratio Rank: 66
SYF Calmar Ratio Rank: 67
SYF Martin Ratio Rank: 69

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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 ratio Return per unit of total volatility	1.16	0.80	+0.36
Sortino ratio Return per unit of downside risk	1.63	1.24	+0.40
Omega ratio Gain probability vs. loss probability	1.23	1.19	+0.05
Calmar ratio Return relative to maximum drawdown	2.70	1.16	+1.53
Martin ratio Return relative to average drawdown	6.48	3.07	+3.41
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

BFH vs. SYF - Sharpe Ratio Comparison

The current BFH Sharpe Ratio is 1.16, which is higher than the SYF Sharpe Ratio of 0.80. The chart below compares the historical Sharpe Ratios of BFH and SYF, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	BFH	SYF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.16	0.80	+0.36
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.04	0.35	-0.39
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	-0.14	0.29	-0.42
Sharpe Ratio (All Time) Calculated using the full available price history	0.21	0.32	-0.11

Correlation

The correlation between BFH and SYF is 0.68, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

BFH vs. SYF - Dividend Comparison

BFH's dividend yield for the trailing twelve months is around 1.18%, less than SYF's 1.76% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
BFH Bread Financial Holdings Inc	1.18%	1.16%	1.38%	2.55%	2.23%	1.07%	1.70%	2.25%	1.52%	0.82%	0.23%
SYF Synchrony Financial	1.76%	1.38%	1.54%	2.51%	2.74%	1.90%	2.54%	2.39%	3.07%	1.45%	0.72%

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.

Drawdown Indicators

	BFH	SYF	Difference
Max Drawdown Largest 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 (5Y) Largest decline over 5 years	-75.52%	-46.65%	-28.87%
Max Drawdown (10Y) Largest decline over 10 years	-91.53%	-66.37%	-25.16%
Current Drawdown Current decline from peak	-64.84%	-22.80%	-42.04%
Average Drawdown Average peak-to-trough decline	-32.21%	-16.99%	-15.22%
Ulcer Index Depth and duration of drawdowns from previous peaks	8.01%	10.46%	-2.45%

Volatility

BFH vs. SYF - Volatility Comparison

Bread Financial Holdings Inc (BFH) has a higher volatility of 10.47% compared to Synchrony Financial (SYF) at 6.92%. 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.

Volatility by Period

	BFH	SYF	Difference
Volatility (1M) Calculated over the trailing 1-month period	10.47%	6.92%	+3.55%
Volatility (6M) Calculated over the trailing 6-month period	31.44%	23.29%	+8.15%
Volatility (1Y) Calculated over the trailing 1-year period	44.71%	38.72%	+5.99%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	46.89%	36.78%	+10.11%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	50.58%	39.46%	+11.12%

Financials

BFH vs. SYF - Profitability Comparison

The chart below illustrates the profitability comparison between Bread Financial Holdings Inc and Synchrony Financial over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

BFH - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Bread Financial Holdings Inc reported a gross profit of 975.00M and revenue of 1.17B. Therefore, the gross margin over that period was 83.1%.

SYF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Synchrony Financial reported a gross profit of 4.89B and revenue of 5.86B. Therefore, the gross margin over that period was 83.4%.

BFH - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Bread Financial Holdings Inc reported an operating income of 47.00M and revenue of 1.17B, resulting in an operating margin of 4.0%.

SYF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Synchrony Financial reported an operating income of 3.49B and revenue of 5.86B, resulting in an operating margin of 59.5%.

BFH - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Bread Financial Holdings Inc reported a net income of 53.00M and revenue of 1.17B, resulting in a net margin of 4.5%.

SYF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Synchrony Financial reported a net income of 751.00M and revenue of 5.86B, resulting in a net margin of 12.8%.