BFH
Price
$69.00
Change
-$0.79 (-1.13%)
Updated
Jan 14 closing price
Capitalization
3.15B
14 days until earnings call
Intraday BUY SELL Signals
SYF
Price
$77.82
Change
-$0.24 (-0.31%)
Updated
Jan 14 closing price
Capitalization
28.03B
12 days until earnings call
Intraday BUY SELL Signals
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BFH vs SYF

Header iconBFH vs SYF Comparison
Open Charts BFH vs SYFBanner chart's image
Bread Financial Holdings
Price$69.00
Change-$0.79 (-1.13%)
Volume$1.6M
Capitalization3.15B
Synchrony Financial
Price$77.82
Change-$0.24 (-0.31%)
Volume$6M
Capitalization28.03B
BFH vs SYF Comparison Chart in %
BFH
Daily Signal:
Gain/Loss:
SYF
Daily Signal:
Gain/Loss:
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VS
BFH vs. SYF commentary
Jan 15, 2026

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 SYF is a Hold.

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COMPARISON
Comparison
Jan 15, 2026
Stock price -- (BFH: $69.00 vs. SYF: $77.82)
Brand notoriety: BFH and SYF are both notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: BFH: 199% vs. SYF: 176%
Market capitalization -- BFH: $3.15B vs. SYF: $28.03B
BFH [@Savings Banks] is valued at $3.15B. SYF’s [@Savings Banks] market capitalization is $28.03B. The market cap for tickers in the [@Savings Banks] industry ranges from $634.65B 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 whileSYF’s FA Score has 2 green FA rating(s).

  • BFH’s FA Score: 1 green, 4 red.
  • SYF’s FA Score: 2 green, 3 red.
According to our system of comparison, BFH is a better buy in the long-term than SYF.

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 4 TA indicator(s) are bullish while SYF’s TA Score has 5 bullish TA indicator(s).

  • BFH’s TA Score: 4 bullish, 5 bearish.
  • SYF’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, SYF is a better buy in the short-term than BFH.

Price Growth

BFH (@Savings Banks) experienced а -13.73% price change this week, while SYF (@Savings Banks) price change was -10.99% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.13%. For the same industry, the average monthly price growth was -0.86%, and the average quarterly price growth was +1.72%.

Reported Earning Dates

BFH is expected to report earnings on Jan 29, 2026.

SYF is expected to report earnings on Jan 27, 2026.

Industries' Descriptions

@Savings Banks (-1.13% 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
SYF($28B) has a higher market cap than BFH($3.15B). SYF has higher P/E ratio than BFH: SYF (8.53) vs BFH (6.98). SYF (-6.724) and BFH (-6.795) have similar YTD gains . BFH has less debt than SYF: BFH (3.79B) vs SYF (14.4B). SYF has higher revenues than BFH: SYF (15B) vs BFH (3.8B).
BFHSYFBFH / SYF
Capitalization3.15B28B11%
EBITDAN/AN/A-
Gain YTD-6.795-6.724101%
P/E Ratio6.988.5382%
Revenue3.8B15B25%
Total CashN/AN/A-
Total Debt3.79B14.4B26%
FUNDAMENTALS RATINGS
BFH vs SYF: Fundamental Ratings
BFH
SYF
OUTLOOK RATING
1..100
7263
VALUATION
overvalued / fair valued / undervalued
1..100
36
Fair valued
98
Overvalued
PROFIT vs RISK RATING
1..100
8025
SMR RATING
1..100
84
PRICE GROWTH RATING
1..100
4652
P/E GROWTH RATING
1..100
7853
SEASONALITY SCORE
1..100
5050

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 (36) in the Data Processing Services industry is somewhat better than the same rating for SYF (98) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew somewhat faster than SYF’s over the last 12 months.

SYF's Profit vs Risk Rating (25) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for BFH (80) in the Data Processing Services industry. This means that SYF’s stock grew somewhat faster than BFH’s over the last 12 months.

SYF's SMR Rating (4) in the Finance Or Rental Or Leasing industry is in the same range as BFH (8) in the Data Processing Services industry. This means that SYF’s stock grew similarly to BFH’s over the last 12 months.

BFH's Price Growth Rating (46) in the Data Processing Services industry is in the same range as SYF (52) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew similarly to SYF’s over the last 12 months.

SYF's P/E Growth Rating (53) in the Finance Or Rental Or Leasing industry is in the same range as BFH (78) in the Data Processing Services industry. This means that SYF’s stock grew similarly to BFH’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFHSYF
RSI
ODDS (%)
Bearish Trend 3 days ago
78%
Bullish Trend 1 day ago
76%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
82%
Bullish Trend 1 day ago
80%
Momentum
ODDS (%)
Bearish Trend 3 days ago
81%
Bearish Trend 1 day ago
65%
MACD
ODDS (%)
Bearish Trend 3 days ago
82%
Bearish Trend 1 day ago
63%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
77%
Bearish Trend 1 day ago
66%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
75%
Bearish Trend 1 day ago
67%
Advances
ODDS (%)
Bullish Trend 11 days ago
72%
Bullish Trend 11 days ago
65%
Declines
ODDS (%)
Bearish Trend 3 days ago
77%
Bearish Trend 1 day ago
65%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
71%
Bullish Trend 1 day ago
77%
Aroon
ODDS (%)
Bullish Trend 3 days ago
76%
Bullish Trend 1 day ago
67%
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BFH
Daily Signal:
Gain/Loss:
SYF
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 86% 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%
-1.13%
SYF - BFH
86%
Closely correlated
-0.31%
OMF - BFH
82%
Closely correlated
-0.41%
COF - BFH
79%
Closely correlated
+1.30%
AXP - BFH
77%
Closely correlated
+0.07%
ALLY - BFH
74%
Closely correlated
+0.30%
More

SYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
-0.31%
COF - SYF
87%
Closely correlated
+1.30%
OMF - SYF
86%
Closely correlated
-0.41%
BFH - SYF
86%
Closely correlated
-1.13%
AXP - SYF
85%
Closely correlated
+0.07%
ALLY - SYF
79%
Closely correlated
+0.30%
More