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BFH vs SPY

Comparison between Bread Financial Holdings Inc (BFH, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed BFH, delivering a return of +14.0% compared to +0.1%

BFH vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
BFH
$3.62B
Winner
SPY
$735B
Expense Ratio
BFH
N/A
SPY
0.09%
Max Drawdown
BFH
92.70%
Winner
SPY
56.47%
Sharpe Ratio
BFH
1.44
Winner
SPY
1.91
5Y Beta
BFH
1.46
Winner
SPY
1.00
Industry
BFH
Credit Services
SPY
N/A
P/E Ratio
Winner
BFH
6.96
SPY
28.68
Forward P/E
Winner
BFH
7.69
SPY
22.19
PEG Ratio
BFH
0.13
SPY
N/A
Dividend Yield
BFH
1.00%
SPY
N/A
5Y Dividends CAGR
Winner
BFH
5.59%
SPY
5.43%
5Y EPS CAGR
BFH
7.63%
Winner
SPY
26.37%
Debt to Equity
Winner
BFH
0.00%
SPY
34.04%
Free Cash Flow Yield
BFH
60.31%
SPY
N/A
P/S Ratio
Winner
BFH
1.31
SPY
3.76
P/B Ratio
Winner
BFH
1.07
SPY
5.55

BFH vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
BFH
-6.32%
Winner
SPY
+4.84%
3M
Winner
BFH
+22.64%
SPY
+9.57%
6M
Winner
BFH
+34.28%
SPY
+13.79%
1Y
Winner
BFH
+70.62%
SPY
+29.34%
5Y(CAGR)
BFH
+0.07%
Winner
SPY
+13.98%
10Y(CAGR)
BFH
-4.77%
Winner
SPY
+15.66%
Max(CAGR)
Winner
BFH
+9.58%
SPY
+8.53%

BFH vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearBFHSPY
2026+15.38%+9.45%
2025+24.24%+18.00%
2024+88.60%+25.59%
2023-10.91%+26.72%
2022-44.18%-18.64%
2021+18.69%+30.52%
2020-32.82%+17.28%
2019-26.40%+31.09%
2018-40.61%-5.24%
2017+9.77%+20.78%
2016-15.69%+13.59%
2015-3.08%+1.31%
2014+9.04%+14.56%
2013+76.42%+29.00%
2012+40.87%+14.17%
2011+43.19%+0.85%
2010+7.80%+13.14%
2009+35.69%+22.67%
2008-37.27%-36.25%
2007+17.06%+5.32%
2006+69.02%+13.85%
2005-23.70%+5.32%
2004+69.57%+10.75%
2003+53.78%+24.18%
2002+1.20%-22.42%
2001+48.91%-10.13%
2000N/A-8.84%
1999N/A+8.61%

BFH vs SPY 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 SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current BFH drawdown is -59.34%. The current SPY drawdown is -0.34%.

RankBFHSPY
#1-92.35%
Apr 23, 2015 - Mar 18, 2020
-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-70.54%
Oct 24, 2007 - Mar 4, 2011
-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-46.63%
Apr 1, 2002 - Jul 8, 2003
-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-32.42%
Dec 29, 2004 - Apr 20, 2006
-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-32.24%
Jul 18, 2001 - Nov 19, 2001
-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-20.86%
Jul 3, 2006 - Oct 19, 2006
-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-20.59%
Mar 20, 2014 - Jan 21, 2015
-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-18.67%
Jul 26, 2011 - Oct 24, 2011
-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-15.88%
Jan 31, 2007 - May 17, 2007
-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-15.43%
Jun 30, 2004 - Oct 14, 2004
-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-15.18%
Jan 30, 2002 - Mar 4, 2002
-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-11.77%
Dec 1, 2003 - Jan 29, 2004
-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-11.33%
Oct 28, 2011 - Dec 5, 2011
-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-11.19%
Jan 3, 2014 - Feb 7, 2014
-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-10.81%
Aug 29, 2003 - Nov 26, 2003
-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between BFH and SPY is 0.05 which considered as a very weak or no correlation - the stocks move independently of each other.

0.05
-101

Dividend Comparison (1999 - 2026)

BFH vs SPY dividend yield comparison.

YearBFHSPY
20260.27%0.24%
20251.16%1.07%
20241.38%1.21%
20232.55%1.40%
20222.23%1.65%
20211.07%1.20%
20201.70%1.52%
20192.25%1.75%
20181.52%2.04%
20170.82%1.80%
20160.23%2.03%
20150.00%2.06%
20140.00%1.87%
20130.00%1.81%
20120.00%2.18%
20110.00%2.05%
20100.00%1.80%
20090.00%1.95%
20080.00%3.02%
20070.00%1.85%
20060.00%1.73%
20050.00%1.73%
20040.00%1.82%
20030.00%1.47%
20020.00%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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