RCB vs BFH

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

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

RCB vs BFH - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

RCB

$3.99B

BFH

$3.98B

Max Drawdown

Winner

RCB

69.01%

BFH

92.70%

Sharpe Ratio

RCB

1.29

Winner

BFH

1.79

5Y Beta

RCB

N/A

BFH

1.44

Industry

RCB

Other

BFH

Credit Services

P/E Ratio

Winner

RCB

-13.05

BFH

7.65

Forward P/E

RCB

N/A

BFH

8.65

PEG Ratio

Winner

RCB

-0.06

BFH

0.14

Dividend Yield

Winner

RCB

6.31%

BFH

0.91%

5Y Dividends CAGR

Winner

RCB

10.38%

BFH

6.07%

5Y EPS CAGR

RCB

N/A

BFH

7.63%

Debt to Equity

RCB

78.20%

Winner

BFH

0.00%

Free Cash Flow Yield

RCB

11.83%

Winner

BFH

54.88%

P/S Ratio

RCB

N/A

BFH

1.54

P/B Ratio

RCB

N/A

BFH

1.17

RCB vs BFH - Historical Returns

Returns include dividend reinvestment.

Period	RCB	BFH
1 month	+3.48%	+20.66%
3 months	+5.74%	+42.50%
6 months	+8.69%	+37.34%
1 year	+12.46%	+92.58%
5 years(CAGR)	+2.96%	+4.49%
10 years(CAGR)	N/A	-3.54%
Max(CAGR)	+4.18%	+10.29%

RCB

+3.48%

Winner

BFH

+20.66%

RCB

+5.74%

Winner

BFH

+42.50%

RCB

+8.69%

Winner

BFH

+37.34%

RCB

+12.46%

Winner

BFH

+92.58%

5Y(CAGR)

RCB

+2.96%

Winner

BFH

+4.49%

10Y(CAGR)

RCB

N/A

BFH

-3.54%

Max(CAGR)

RCB

+4.18%

Winner

BFH

+10.29%

RCB vs BFH - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	RCB	BFH
2026	+7.93%	+36.05%
2025	+5.51%	+24.24%
2024	+7.85%	+88.60%
2023	+2.94%	-10.91%
2022	-8.06%	-44.18%
2021	+7.15%	+18.69%
2020	-1.61%	-32.82%
2019	+9.93%	-26.40%
2018	N/A	-40.61%
2017	N/A	+9.77%
2016	N/A	-15.69%
2015	N/A	-3.08%
2014	N/A	+9.04%
2013	N/A	+76.42%
2012	N/A	+40.87%
2011	N/A	+43.19%
2010	N/A	+7.80%
2009	N/A	+35.69%
2008	N/A	-37.27%
2007	N/A	+17.06%
2006	N/A	+69.02%
2005	N/A	-23.70%
2004	N/A	+69.57%
2003	N/A	+53.78%
2002	N/A	+1.20%
2001	N/A	+48.91%

RCB vs BFH Drawdown Comparison

The maximum drawdown for RCB was -68.57%, occurring on Mar 24, 2020. Recovery took 260 trading sessions.

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

The current BFH drawdown is -52.06%.

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

Correlation

Correlation between RCB and BFH 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)

RCB vs BFH dividend yield comparison.

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