BFH
Price
$61.86
Change
-$2.10 (-3.28%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
2.92B
70 days until earnings call
Intraday BUY SELL Signals
PYPL
Price
$65.35
Change
-$1.85 (-2.75%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
62.88B
90 days until earnings call
Intraday BUY SELL Signals
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BFH vs PYPL

Header iconBFH vs PYPL Comparison
Open Charts BFH vs PYPLBanner chart's image
Bread Financial Holdings
Price$61.86
Change-$2.10 (-3.28%)
Volume$6.44K
Capitalization2.92B
PayPal Holdings
Price$65.35
Change-$1.85 (-2.75%)
Volume$156.23K
Capitalization62.88B
BFH vs PYPL Comparison Chart in %
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VS
BFH vs. PYPL commentary
Nov 14, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BFH is a Hold and PYPL is a Hold.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (BFH: $63.96 vs. PYPL: $67.20)
Brand notoriety: BFH and PYPL are both notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: BFH: 74% vs. PYPL: 63%
Market capitalization -- BFH: $2.82B vs. PYPL: $61.13B
BFH [@Savings Banks] is valued at $2.82B. PYPL’s [@Savings Banks] market capitalization is $61.13B. The market cap for tickers in the [@Savings Banks] industry ranges from $648.6B to $0. The average market capitalization across the [@Savings Banks] industry is $21.95B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BFH’s FA Score shows that 1 FA rating(s) are green whilePYPL’s FA Score has 0 green FA rating(s).

  • BFH’s FA Score: 1 green, 4 red.
  • PYPL’s FA Score: 0 green, 5 red.
According to our system of comparison, BFH is a better buy in the long-term than PYPL.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BFH’s TA Score shows that 5 TA indicator(s) are bullish while PYPL’s TA Score has 3 bullish TA indicator(s).

  • BFH’s TA Score: 5 bullish, 5 bearish.
  • PYPL’s TA Score: 3 bullish, 6 bearish.
According to our system of comparison, BFH is a better buy in the short-term than PYPL.

Price Growth

BFH (@Savings Banks) experienced а +0.38% price change this week, while PYPL (@Savings Banks) price change was -1.26% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.14%. For the same industry, the average monthly price growth was -3.03%, and the average quarterly price growth was +11.42%.

Reported Earning Dates

BFH is expected to report earnings on Jan 22, 2026.

PYPL is expected to report earnings on Feb 11, 2026.

Industries' Descriptions

@Savings Banks (-0.14% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
PYPL($62.9B) has a higher market cap than BFH($2.92B). PYPL has higher P/E ratio than BFH: PYPL (13.49) vs BFH (6.47). BFH YTD gains are higher at: 6.316 vs. PYPL (-21.265). BFH has less debt than PYPL: BFH (3.79B) vs PYPL (11.3B). PYPL has higher revenues than BFH: PYPL (32.3B) vs BFH (3.8B).
BFHPYPLBFH / PYPL
Capitalization2.92B62.9B5%
EBITDAN/A7.26B-
Gain YTD6.316-21.265-30%
P/E Ratio6.4713.4948%
Revenue3.8B32.3B12%
Total CashN/A10B-
Total Debt3.79B11.3B34%
FUNDAMENTALS RATINGS
BFH vs PYPL: Fundamental Ratings
BFH
PYPL
OUTLOOK RATING
1..100
1975
VALUATION
overvalued / fair valued / undervalued
1..100
60
Fair valued
81
Overvalued
PROFIT vs RISK RATING
1..100
74100
SMR RATING
1..100
841
PRICE GROWTH RATING
1..100
4562
P/E GROWTH RATING
1..100
8185
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

BFH's Valuation (60) in the Data Processing Services industry is in the same range as PYPL (81). This means that BFH’s stock grew similarly to PYPL’s over the last 12 months.

BFH's Profit vs Risk Rating (74) in the Data Processing Services industry is in the same range as PYPL (100). This means that BFH’s stock grew similarly to PYPL’s over the last 12 months.

BFH's SMR Rating (8) in the Data Processing Services industry is somewhat better than the same rating for PYPL (41). This means that BFH’s stock grew somewhat faster than PYPL’s over the last 12 months.

BFH's Price Growth Rating (45) in the Data Processing Services industry is in the same range as PYPL (62). This means that BFH’s stock grew similarly to PYPL’s over the last 12 months.

BFH's P/E Growth Rating (81) in the Data Processing Services industry is in the same range as PYPL (85). This means that BFH’s stock grew similarly to PYPL’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFHPYPL
RSI
ODDS (%)
Bearish Trend 2 days ago
87%
Bearish Trend 3 days ago
76%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
78%
Bullish Trend 2 days ago
84%
Momentum
ODDS (%)
Bullish Trend 2 days ago
79%
Bearish Trend 2 days ago
77%
MACD
ODDS (%)
Bullish Trend 2 days ago
77%
Bearish Trend 2 days ago
69%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
74%
Bearish Trend 2 days ago
70%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
75%
Bearish Trend 2 days ago
71%
Advances
ODDS (%)
Bullish Trend 18 days ago
71%
Bullish Trend 3 days ago
67%
Declines
ODDS (%)
Bearish Trend 7 days ago
77%
Bearish Trend 7 days ago
73%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
83%
N/A
Aroon
ODDS (%)
Bearish Trend 2 days ago
71%
Bullish Trend 2 days ago
76%
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BFH
Daily Signal:
Gain/Loss:
PYPL
Daily Signal:
Gain/Loss:
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BFH and

Correlation & Price change

A.I.dvisor indicates that over the last year, BFH has been closely correlated with SYF. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if BFH jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BFH
1D Price
Change %
BFH100%
+0.79%
SYF - BFH
88%
Closely correlated
+1.44%
COF - BFH
79%
Closely correlated
+0.63%
OMF - BFH
79%
Closely correlated
+1.05%
AXP - BFH
77%
Closely correlated
+0.71%
ALLY - BFH
74%
Closely correlated
+2.08%
More

PYPL and

Correlation & Price change

A.I.dvisor indicates that over the last year, PYPL has been loosely correlated with SYF. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if PYPL jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PYPL
1D Price
Change %
PYPL100%
-0.30%
SYF - PYPL
62%
Loosely correlated
+1.44%
AXP - PYPL
60%
Loosely correlated
+0.71%
BFH - PYPL
59%
Loosely correlated
+0.79%
AL - PYPL
57%
Loosely correlated
+0.09%
COF - PYPL
57%
Loosely correlated
+0.63%
More