BFH
Price
$74.36
Change
+$0.53 (+0.72%)
Updated
Dec 11 closing price
Capitalization
3.39B
41 days until earnings call
Intraday BUY SELL Signals
UPST
Price
$49.13
Change
+$0.32 (+0.66%)
Updated
Dec 11 closing price
Capitalization
4.78B
67 days until earnings call
Intraday BUY SELL Signals
Interact to see
Advertisement

BFH vs UPST

Header iconBFH vs UPST Comparison
Open Charts BFH vs UPSTBanner chart's image
Bread Financial Holdings
Price$74.36
Change+$0.53 (+0.72%)
Volume$1M
Capitalization3.39B
Upstart Holdings
Price$49.13
Change+$0.32 (+0.66%)
Volume$3.46M
Capitalization4.78B
BFH vs UPST Comparison Chart in %
BFH
Daily Signal:
Gain/Loss:
UPST
Daily Signal:
Gain/Loss:
View a ticker or compare two or three
VS
BFH vs. UPST commentary
Dec 13, 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 StrongBuy and UPST is a Buy.

Interact to see
Advertisement
COMPARISON
Comparison
Dec 13, 2025
Stock price -- (BFH: $74.36 vs. UPST: $49.13)
Brand notoriety: BFH: Notable vs. UPST: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: BFH: 129% vs. UPST: 55%
Market capitalization -- BFH: $3.39B vs. UPST: $4.78B
BFH [@Savings Banks] is valued at $3.39B. UPST’s [@Savings Banks] market capitalization is $4.78B. The market cap for tickers in the [@Savings Banks] industry ranges from $666.39B to $0. The average market capitalization across the [@Savings Banks] industry is $22.34B.

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 whileUPST’s FA Score has 1 green FA rating(s).

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

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 UPST’s TA Score has 6 bullish TA indicator(s).

  • BFH’s TA Score: 4 bullish, 3 bearish.
  • UPST’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, UPST is a better buy in the short-term than BFH.

Price Growth

BFH (@Savings Banks) experienced а +3.28% price change this week, while UPST (@Savings Banks) price change was +4.24% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +2.20%. For the same industry, the average monthly price growth was +0.89%, and the average quarterly price growth was +8.38%.

Reported Earning Dates

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

UPST is expected to report earnings on Feb 17, 2026.

Industries' Descriptions

@Savings Banks (+2.20% 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
Loading...
FUNDAMENTALS
Fundamentals
UPST($4.78B) has a higher market cap than BFH($3.39B). UPST has higher P/E ratio than BFH: UPST (188.96) vs BFH (7.53). BFH YTD gains are higher at: 23.604 vs. UPST (-20.205). UPST has less debt than BFH: UPST (1.47B) vs BFH (3.79B). BFH has higher revenues than UPST: BFH (3.8B) vs UPST (844M).
BFHUPSTBFH / UPST
Capitalization3.39B4.78B71%
EBITDAN/AN/A-
Gain YTD23.604-20.205-117%
P/E Ratio7.53188.964%
Revenue3.8B844M450%
Total CashN/AN/A-
Total Debt3.79B1.47B257%
FUNDAMENTALS RATINGS
BFH: Fundamental Ratings
BFH
OUTLOOK RATING
1..100
34
VALUATION
overvalued / fair valued / undervalued
1..100
61
Fair valued
PROFIT vs RISK RATING
1..100
71
SMR RATING
1..100
8
PRICE GROWTH RATING
1..100
41
P/E GROWTH RATING
1..100
79
SEASONALITY SCORE
1..100
1

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.

TECHNICAL ANALYSIS
Technical Analysis
BFHUPST
RSI
ODDS (%)
Bearish Trend 3 days ago
76%
Bullish Trend 3 days ago
71%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
78%
Bearish Trend 3 days ago
87%
Momentum
ODDS (%)
Bullish Trend 3 days ago
76%
Bullish Trend 3 days ago
90%
MACD
ODDS (%)
Bullish Trend 3 days ago
73%
Bullish Trend 3 days ago
88%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
75%
Bullish Trend 3 days ago
88%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
74%
Bullish Trend 3 days ago
89%
Advances
ODDS (%)
Bullish Trend 3 days ago
72%
Bullish Trend 9 days ago
88%
Declines
ODDS (%)
N/A
Bearish Trend 23 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
74%
Bearish Trend 3 days ago
88%
Aroon
ODDS (%)
N/A
Bearish Trend 3 days ago
88%
View a ticker or compare two or three
Interact to see
Advertisement
BFH
Daily Signal:
Gain/Loss:
UPST
Daily Signal:
Gain/Loss:
Interesting Tickers
1D
1W
1M
1Q
6M
1Y
5Y
1 Day
MFs / NAMEPrice $Chg $Chg %
CGVVX16.280.17
+1.06%
Causeway Global Value Inv
GMOIX35.540.23
+0.65%
GMO International Equity III
IFTAX12.770.04
+0.31%
Voya International High Div Low Vol A
JDBAX48.230.13
+0.27%
Janus Henderson Balanced A
FIVPX14.12N/A
N/A
Fidelity Advisor International Value M

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%
+0.72%
SYF - BFH
86%
Closely correlated
+1.31%
OMF - BFH
81%
Closely correlated
+3.48%
COF - BFH
79%
Closely correlated
+0.64%
AXP - BFH
77%
Closely correlated
+2.48%
ALLY - BFH
75%
Closely correlated
+2.99%
More

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with SOFI. These tickers have moved in lockstep 61% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then SOFI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
+0.65%
SOFI - UPST
61%
Loosely correlated
-0.07%
SYF - UPST
61%
Loosely correlated
+1.31%
OMF - UPST
60%
Loosely correlated
+3.48%
ALLY - UPST
58%
Loosely correlated
+2.99%
BFH - UPST
57%
Loosely correlated
+0.72%
More