BFH vs RCB

Comparison between Bread Financial Holdings Inc (BFH, Company) and Ready Capital Corp (RCB, Company).

5-Year PerformanceBFH has outperformed RCB, delivering a return of +4.5% compared to +3.0%

BFH vs RCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BFH(COMPANY)	RCB(COMPANY)
Market Cap	$3.98B	$3.99B
Max Drawdown	92.70%	69.01%
Sharpe Ratio	1.79	1.29
5Y Beta	1.44	N/A
Industry	Credit Services	Other
P/E Ratio	7.65	-13.05
Forward P/E	8.65	N/A
PEG Ratio	0.14	-0.06
Dividend Yield	0.91%	6.31%
5Y Dividends CAGR	6.07%	10.38%
5Y EPS CAGR	7.63%	N/A
Debt to Equity	0.00%	78.20%
Free Cash Flow Yield	54.88%	11.83%
P/S Ratio	1.54	N/A
P/B Ratio	1.17	N/A

Market Cap

BFH

$3.98B

Winner

RCB

$3.99B

Max Drawdown

BFH

92.70%

Winner

RCB

69.01%

Sharpe Ratio

Winner

BFH

1.79

RCB

1.29

5Y Beta

BFH

1.44

RCB

N/A

Industry

BFH

Credit Services

RCB

Other

P/E Ratio

BFH

7.65

Winner

RCB

-13.05

Forward P/E

BFH

8.65

RCB

N/A

PEG Ratio

BFH

0.14

Winner

RCB

-0.06

Dividend Yield

BFH

0.91%

Winner

RCB

6.31%

5Y Dividends CAGR

BFH

6.07%

Winner

RCB

10.38%

5Y EPS CAGR

BFH

7.63%

RCB

N/A

Debt to Equity

Winner

BFH

0.00%

RCB

78.20%

Free Cash Flow Yield

Winner

BFH

54.88%

RCB

11.83%

P/S Ratio

BFH

1.54

RCB

N/A

P/B Ratio

BFH

1.17

RCB

N/A

BFH vs RCB - Historical Returns

Returns include dividend reinvestment.

Period	BFH	RCB
1 month	+19.97%	+3.48%
3 months	+37.53%	+5.74%
6 months	+37.47%	+8.69%
1 year	+88.99%	+12.46%
5 years(CAGR)	+4.45%	+2.96%
10 years(CAGR)	-3.68%	N/A
Max(CAGR)	+10.28%	+4.18%

Winner

BFH

+19.97%

RCB

+3.48%

Winner

BFH

+37.53%

RCB

+5.74%

Winner

BFH

+37.47%

RCB

+8.69%

Winner

BFH

+88.99%

RCB

+12.46%

5Y(CAGR)

Winner

BFH

+4.45%

RCB

+2.96%

10Y(CAGR)

BFH

-3.68%

RCB

N/A

Max(CAGR)

Winner

BFH

+10.28%

RCB

+4.18%

BFH vs RCB - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	BFH	RCB
2026	+35.75%	+7.93%
2025	+24.24%	+5.51%
2024	+88.60%	+7.85%
2023	-10.91%	+2.94%
2022	-44.18%	-8.06%
2021	+18.69%	+7.15%
2020	-32.82%	-1.61%
2019	-26.40%	+9.93%
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 RCB 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 RCB was -68.57%, occurring on Mar 24, 2020. Recovery took 260 trading sessions.

The current BFH drawdown is -52.16%.

Rank	BFH	RCB
#1	-92.35% Apr 23, 2015 - Mar 18, 2020	-68.57% Jan 8, 2020 - Jan 20, 2021
#2	-70.54% Oct 24, 2007 - Mar 4, 2011	-15.65% Aug 31, 2021 - Aug 19, 2025
#3	-46.63% Apr 1, 2002 - Jul 8, 2003	-4.44% May 3, 2021 - Aug 31, 2021
#4	-32.42% Dec 29, 2004 - Apr 20, 2006	-3.71% Sep 24, 2019 - Dec 20, 2019
#5	-32.24% Jul 18, 2001 - Nov 19, 2001	-3.27% Apr 12, 2021 - May 3, 2021
#6	-20.86% Jul 3, 2006 - Oct 19, 2006	-2.07% Feb 1, 2021 - Feb 19, 2021
#7	-20.59% Mar 20, 2014 - Jan 21, 2015	-2.04% Aug 8, 2019 - Sep 24, 2019
#8	-18.67% Jul 26, 2011 - Oct 24, 2011	-1.85% Jan 20, 2021 - Jan 29, 2021
#9	-15.88% Jan 31, 2007 - May 17, 2007	-1.25% Aug 29, 2025 - Oct 1, 2025
#10	-15.43% Jun 30, 2004 - Oct 14, 2004	-1.19% Mar 3, 2021 - Mar 23, 2021
#11	-15.18% Jan 30, 2002 - Mar 4, 2002	-1.16% Mar 4, 2026 - Mar 24, 2026
#12	-11.77% Dec 1, 2003 - Jan 29, 2004	-1.08% Nov 10, 2025 - Dec 15, 2025
#13	-11.33% Oct 28, 2011 - Dec 5, 2011	-1.05% Jul 26, 2019 - Aug 7, 2019
#14	-11.19% Jan 3, 2014 - Feb 7, 2014	-0.98% Dec 31, 2019 - Jan 6, 2020
#15	-10.81% Aug 29, 2003 - Nov 26, 2003	-0.89% Dec 15, 2025 - Jan 8, 2026

Correlation

Correlation between BFH and RCB is 0.47 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.47

-101

Dividend Comparison (2016 - 2026)

BFH vs RCB dividend yield comparison.

Year	BFH	RCB
2026	0.45%	4.46%
2025	1.16%	4.73%
2024	1.38%	4.69%
2023	2.55%	0.00%
2022	2.23%	1.66%
2021	1.07%	3.00%
2020	1.70%	6.21%
2019	2.25%	1.54%
2018	1.52%	0.00%
2017	0.82%	0.00%
2016	0.23%	0.00%