Bread Financial (BFH) vs CBIZ (CBZ)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Bread Financial (BFH) has outperformed CBIZ (CBZ) over the past year, gaining 76.2% versus a loss of 1.8%. Over five years, CBZ leads with a +57.0% price change compared with +22.5% for BFH. Bread Financial is the larger company by market cap ($3.75 billion vs $3.01 billion), about 1.2 times the size.
On valuation, Bread Financial trades at a lower forward P/E (7.1x vs 12.9x for CBIZ). Bread Financial pays a dividend yielding 0.92%, while CBIZ does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BFH | CBZ |
|---|---|---|
| Share price | $97.64 | $54.75 |
| Market cap | $3.75B | $3.01B |
| 1-day change | -0.16% | +0.02% |
| YTD return | +31.89% | +8.52% |
| 1-year return | +76.18% | -1.83% |
| 5-year return | +22.45% | +56.97% |
| P/E ratio (TTM) | 7.57 | 26.32 |
| Forward P/E | 7.12 | 12.89 |
| EPS (TTM) | $12.90 | $2.08 |
| Dividend yield | 0.92% | 0.00% |
| Annual dividend | $0.90 | $0.00 |
| 52-week high | $114.53 | $56.83 |
| 52-week low | $53.83 | $24.29 |
| Distance from 52-week high | -14.75% | -3.66% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +17.78% | +0.46% |
| Average volume | 569.99K | 1.31M |
| Shares outstanding | 38.42M | 54.94M |
| Employees | 6,000 | 9,500 |
| Sector | Consumer Discretionary | Consumer Discretionary |
| Industry | Business Services | Business Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- BFH has outperformed CBZ by 78.0 percentage points over the past year.
- CBIZ trades at a higher earnings multiple (26.3x vs 7.6x trailing P/E).
About Bread Financial
BFH stock →Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.
Consumer Discretionary · Business Services · 6,000 employees
About CBIZ
CBZ stock →CBIZ, Inc. provides financial, insurance, and advisory services in the United States and Canada.
Consumer Discretionary · Business Services · 9,500 employees
BFH vs CBZ FAQ
Which is bigger, Bread Financial or CBIZ?
Bread Financial (BFH) is larger, with a market capitalization of $3.75B compared with $3.01B for CBIZ (CBZ).
Which stock has performed better over the past year, BFH or CBZ?
BFH returned +76.18% over the past 12 months, compared with -1.83% for CBZ (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BFH or CBZ?
BFH has the lower trailing P/E at 7.6, versus 26.3 for CBZ. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Bread Financial or CBIZ?
Bread Financial pays a dividend yielding 0.92%, while CBIZ does not currently pay a regular dividend.
Are Bread Financial and CBIZ in the same industry?
Yes. Both are classified in the Business Services industry within the Consumer Discretionary sector.