BFH vs COF
As of Sep 20, 2026, Bread Financial Holdings (BFH) scores 8.3/10 and Capital One Financial (COF) 5.0/10 on AlphaStocks' five-model composite, so BFH scores higher. COF trades 40% above its model fair value.
BFH
BREAD FINANCIAL HOLDINGS, INC.
8.3
Strong Buy
$108.29
COF
CAPITAL ONE FINANCIAL CORP
5.0
Consider Buy
$202.28
BFH vs COF: Which is the Better Investment?
BREAD FINANCIAL HOLDINGS, INC. (BFH) scores 8.3/10 while CAPITAL ONE FINANCIAL CORP (COF) scores 5.0/10 on AlphaStocks' composite model. BREAD FINANCIAL HOLDINGS, INC. has the higher composite rating of Strong Buy. On a P/E basis, BREAD FINANCIAL HOLDINGS, INC. trades at 9.9x, making it the more attractively priced of the two.
This comparison is algorithmically generated and is not financial advice.
| Metric | BFH | COF |
|---|---|---|
| Scores & Fundamentals | ||
| Composite Score | 8.3/10▲ | 5.0/10 |
| Rating | Strong Buy▲ | Consider Buy |
| Price | $108.29 | $202.28 |
| P/E Ratio | 9.9▲ | 44.6 |
| ROE | 15.6%▲ | 2.2% |
| Market Cap | $5B | $126B |
| Fair Value | — | $144.55 |
| Dividend Yield | 0.9% | 1.4%▲ |
| Sector Rank | #2 of 265▲ | #186 of 265 |
| Model Verdicts | ||
| Piotroski | Strong▲ | Neutral |
| Buffett | Strong▲ | Attractive |
| Graham | Strong▲ | Neutral |
| Lynch | Caution | Neutral▲ |
| Greenblatt | Caution | Caution |
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BFH vs COF: Which Stock Scores Higher?
BREAD FINANCIAL HOLDINGS, INC. (BFH) and CAPITAL ONE FINANCIAL CORP (COF) are both in the Financials sector. BFH currently leads with a composite score of 8.3/10 (Strong Buy) compared to COF's 5.0/10 (Consider Buy).
The AlphaStocks composite score evaluates each stock across four dimensions: Quality (business strength measured by Piotroski F-Score and Buffett quality criteria), Value (discount to intrinsic worth using Graham, Lynch, and Greenblatt models), Momentum (6-month price trend), and Timing (a confirmation signal that requires both value and momentum to align). A higher composite score indicates stronger overall fundamentals combined with favorable market conditions.
This comparison uses the same scoring framework for both companies, ensuring an apples-to-apples evaluation. Scores are recalculated daily after market close using data from SEC filings and market prices. Read the full methodology to understand how each model contributes to the composite score.
Scores are algorithm-generated research tools, not investment recommendations. Past performance does not guarantee future results. Always do your own due diligence. Full disclaimer