COMPARE · Data as of August 28, 2026
BFH vs SYF
Verdict: Side-by-side breakdown using the Bull Rankings model. BFH scored 80.0, SYF scored 85.0 — SYF leads.
Compare another set
Different reporting periods. SYF's fundamentals are as of June 2026, but BFH's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
BFH
Bread Financial Holdings, Inc.
70.1Fin
$105.74 · $4.1B
fundamentals as of
Strength gap
1.3
SYF leads
SYF
Synchrony Financial
71.4Fin
$78.05 · $25.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestSYF8.2x
- Fastest growthBFH+0.2%
- Largest discount to fair valueBFH-88%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BFH
SYF
$2.2bB
FCF
$9.7bB+
+0.2%C
Rev
-0.5%D+
8.4xA-
P/E
8.2xA-
3.91D
PEG
1.14B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
BFH
SYF
88% below
Price vs fair valuelower is cheaper
82% below
decline
Growth the price implies10-yr FCF · lower = less priced in
decline
+659%
1-yr DCF upside
+392%
+723%
5-yr DCF upside
+452%
+823%
10-yr DCF upside
+547%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
The companies
BFHBread Financial Holdings, Inc.
Why now
Credit Services · market cap $4.1b. 8% off the 52-week high of $114.53. 16 sell-side analysts rate this a Buy with a mean 1-yr target of $115.44 (implying +9% upside).
Moat
Net margin 21% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
SYFSynchrony Financial
Why now
Credit Services · market cap $25.4b. 12% off the 52-week high of $88.77. 23 sell-side analysts rate this a Buy with a mean 1-yr target of $89.30 (implying +14% upside).
Moat
Net margin 36% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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