BFH vs COF
BFH: Bread Financial delivers white-label and co-branded credit cards and installment lending solutions to major retail and travel brands, monetizing transaction data and customer loyalty across Gen Z to Baby Boomer consumers. COF: America's largest credit card issuer, now strengthened by the Discover acquisition, offering an integrated suite of consumer banking, lending, and global payment network services.
Side-by-side fundamentals
| Metric | BFH | COF | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $101.87 | $201.36 | |
| Market cap as of 2026-07-23 | $4.1B | $124.3B | |
| P/E as of 2026-07-23 | 7.24 | 11.82 | BFH lower |
| PEG as of 2026-07-23 | 0.07 | 5.38 | BFH lower |
| Net margin as of 2026-07-23 | +12.5% | +14.9% | COF higher |
| Gross margin as of 2026-07-23 | +92.9% | n/a | |
| Operating margin as of 2026-07-23 | +14.7% | +18.3% | COF higher |
| ROE as of 2026-07-23 | +17.1% | +9.3% | BFH higher |
| ROA as of 2026-07-23 | +2.5% | +1.6% | BFH higher |
| Debt / equity as of 2026-07-23 | 5.40 | 0.39 | COF lower |
| Revenue growth (YoY) as of 2026-07-23 | -2.5% | +38.2% | COF higher |
| Revenue CAGR (3y) SEC XBRL | -6.2% | +16.0% | COF higher |
| Dividend yield as of 2026-07-23 | +0.9% | +1.6% | COF higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 1.14 | 1.03 | |
| 1-year return as of 2026-07-22 close | +62.0% | -7.4% | BFH higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.