BFH vs SYF
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. SYF: Synchrony is a leading provider of private label and co-branded credit card programs and consumer financing solutions that help partners drive sales and consumers access credit.
Side-by-side fundamentals
| Metric | BFH | SYF | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $101.87 | $72.81 | |
| Market cap as of 2026-07-23 | $4.1B | $24.3B | |
| P/E as of 2026-07-23 | 7.24 | 6.75 | SYF lower |
| PEG as of 2026-07-23 | 0.07 | 1.04 | BFH lower |
| Net margin as of 2026-07-23 | +12.5% | +14.1% | SYF higher |
| Gross margin as of 2026-07-23 | +92.9% | n/a | |
| Operating margin as of 2026-07-23 | +14.7% | +18.4% | SYF higher |
| ROE as of 2026-07-23 | +17.1% | +21.4% | SYF higher |
| ROA as of 2026-07-23 | +2.5% | +3.0% | SYF higher |
| Debt / equity as of 2026-07-23 | 5.40 | 1.00 | SYF lower |
| Revenue growth (YoY) as of 2026-07-23 | -2.5% | +20.5% | SYF higher |
| Revenue CAGR (3y) SEC XBRL | -6.2% | n/a | |
| Dividend yield as of 2026-07-23 | +0.9% | +1.9% | SYF higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 1.14 | 1.33 | |
| 1-year return as of 2026-07-22 close | +62.0% | +3.0% | 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.