BFH vs PONY

Comparison between Bread Financial Holdings Inc (BFH, Company) and Pony AI Inc (PONY, Company).

BFH is from the Financial Services sector, while PONY is from the Technology sector.

BFH vs PONY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BFH(COMPANY)	PONY(COMPANY)
Market Cap	$3.71B	$3.70B
Max Drawdown	92.70%	82.38%
Sharpe Ratio	1.64	-0.22
5Y Beta	1.45	2.25
Industry	Credit Services	Information Technology Services
P/E Ratio	7.13	-27.62
Forward P/E	8.21	N/A
PEG Ratio	0.13	N/A
Dividend Yield	0.97%	N/A
5Y Dividends CAGR	6.07%	N/A
5Y EPS CAGR	7.63%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	58.89%	-4.46%
P/S Ratio	1.36	39.43
P/B Ratio	1.07	2.69

Market Cap

Winner

BFH

$3.71B

PONY

$3.70B

Max Drawdown

BFH

92.70%

Winner

PONY

82.38%

Sharpe Ratio

Winner

BFH

1.64

PONY

-0.22

5Y Beta

Winner

BFH

1.45

PONY

2.25

Industry

BFH

Credit Services

PONY

Information Technology Services

P/E Ratio

BFH

7.13

Winner

PONY

-27.62

Forward P/E

BFH

8.21

PONY

N/A

PEG Ratio

BFH

0.13

PONY

N/A

Dividend Yield

BFH

0.97%

PONY

N/A

5Y Dividends CAGR

BFH

6.07%

PONY

N/A

5Y EPS CAGR

BFH

7.63%

PONY

N/A

Debt to Equity

BFH

0.00%

PONY

0.00%

Free Cash Flow Yield

Winner

BFH

58.89%

PONY

-4.46%

P/S Ratio

Winner

BFH

1.36

PONY

39.43

P/B Ratio

Winner

BFH

1.07

PONY

2.69

BFH vs PONY - Historical Returns

Returns include dividend reinvestment.

Period	BFH	PONY
1 month	+7.39%	-15.49%
3 months	+21.48%	-36.57%
6 months	+26.96%	-39.30%
1 year	+86.85%	-36.05%
5 years(CAGR)	+1.07%	N/A
10 years(CAGR)	-5.19%	N/A
Max(CAGR)	+9.81%	-19.56%

Winner

BFH

+7.39%

PONY

-15.49%

Winner

BFH

+21.48%

PONY

-36.57%

Winner

BFH

+26.96%

PONY

-39.30%

Winner

BFH

+86.85%

PONY

-36.05%

5Y(CAGR)

BFH

+1.07%

PONY

N/A

10Y(CAGR)

BFH

-5.19%

PONY

N/A

Max(CAGR)

Winner

BFH

+9.81%

PONY

-19.56%

BFH vs PONY - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	BFH	PONY
2026	+21.75%	-46.36%
2025	+24.24%	-4.54%
2024	+88.60%	+19.58%
2023	-10.91%	N/A
2022	-44.18%	N/A
2021	+18.69%	N/A
2020	-32.82%	N/A
2019	-26.40%	N/A
2018	-40.61%	N/A
2017	+9.77%	N/A
2016	-15.69%	N/A
2015	-3.08%	N/A
2014	+9.04%	N/A
2013	+76.42%	N/A
2012	+40.87%	N/A
2011	+43.19%	N/A
2010	+7.80%	N/A
2009	+35.69%	N/A
2008	-37.27%	N/A
2007	+17.06%	N/A
2006	+69.02%	N/A
2005	-23.70%	N/A
2004	+69.57%	N/A
2003	+53.78%	N/A
2002	+1.20%	N/A
2001	+48.91%	N/A

BFH vs PONY Drawdown Comparison

The maximum drawdown for BFH was -92.35%, occurring on Mar 18, 2020. This drawdown has not yet recovered.

The maximum drawdown for PONY was -82.38%, occurring on Apr 22, 2025. Recovery took 154 trading sessions.

The current BFH drawdown is -57.10%. The current PONY drawdown is -64.17%.

Rank	BFH	PONY
#1	-92.35% Apr 23, 2015 - Mar 18, 2020	-82.38% Feb 21, 2025 - Oct 2, 2025
#2	-70.54% Oct 24, 2007 - Mar 4, 2011	-65.79% Oct 2, 2025 - May 18, 2026
#3	-46.63% Apr 1, 2002 - Jul 8, 2003	-14.74% Jan 7, 2025 - Feb 12, 2025
#4	-32.42% Dec 29, 2004 - Apr 20, 2006	-13.64% Dec 10, 2024 - Dec 30, 2024
#5	-32.24% Jul 18, 2001 - Nov 19, 2001	-8.14% Nov 29, 2024 - Dec 9, 2024
#6	-20.86% Jul 3, 2006 - Oct 19, 2006	-7.12% Feb 12, 2025 - Feb 14, 2025
#7	-20.59% Mar 20, 2014 - Jan 21, 2015	-5.90% Dec 30, 2024 - Jan 7, 2025
#8	-18.67% Jul 26, 2011 - Oct 24, 2011	-3.04% Feb 19, 2025 - Feb 21, 2025
#9	-15.88% Jan 31, 2007 - May 17, 2007	N/A
#10	-15.43% Jun 30, 2004 - Oct 14, 2004	N/A
#11	-15.18% Jan 30, 2002 - Mar 4, 2002	N/A
#12	-11.77% Dec 1, 2003 - Jan 29, 2004	N/A
#13	-11.33% Oct 28, 2011 - Dec 5, 2011	N/A
#14	-11.19% Jan 3, 2014 - Feb 7, 2014	N/A
#15	-10.81% Aug 29, 2003 - Nov 26, 2003	N/A

Correlation

Correlation between BFH and PONY is -0.40 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.40

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