Bread Financial (BFH) vs Shift4 Payments (FOUR)
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 Shift4 Payments (FOUR) over the past year, gaining 76.2% versus a loss of 50.1%. Over five years, BFH leads with a +22.5% price change compared with -48.5% for FOUR. Bread Financial is the larger company by market cap ($3.75 billion vs $3.08 billion), about 1.2 times the size.
On valuation, Shift4 Payments trades at a lower forward P/E (6.4x vs 7.1x for Bread Financial). Bread Financial pays a dividend yielding 0.92%, while Shift4 Payments 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 | FOUR |
|---|---|---|
| Share price | $97.64 | $38.99 |
| Market cap | $3.75B | $3.08B |
| 1-day change | -0.16% | +1.27% |
| YTD return | +31.89% | -38.08% |
| 1-year return | +76.18% | -50.08% |
| 5-year return | +22.45% | -48.46% |
| P/E ratio (TTM) | 7.57 | 61.89 |
| Forward P/E | 7.12 | 6.43 |
| EPS (TTM) | $12.90 | $0.63 |
| Dividend yield | 0.92% | 15.58% |
| Annual dividend | $0.90 | $0.00 |
| 52-week high | $114.53 | $80.98 |
| 52-week low | $53.83 | $34.56 |
| Distance from 52-week high | -14.75% | -51.85% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +17.78% | +38.24% |
| Average volume | 558.97K | 1.82M |
| Shares outstanding | 38.42M | 78.96M |
| Employees | 6,000 | 6,300 |
| 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 FOUR by 126.3 percentage points over the past year.
- Shift4 Payments trades at a higher earnings multiple (61.9x vs 7.6x trailing P/E).
- Shift4 Payments offers a meaningfully higher dividend yield (15.58% vs 0.92%).
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 Shift4 Payments
FOUR stock →Shift4 Payments, Inc. engages in the provision of software and payment processing solutions in the United States and internationally.
Consumer Discretionary · Business Services · 6,300 employees
BFH vs FOUR FAQ
Which is bigger, Bread Financial or Shift4 Payments?
Bread Financial (BFH) is larger, with a market capitalization of $3.75B compared with $3.08B for Shift4 Payments (FOUR).
Which stock has performed better over the past year, BFH or FOUR?
BFH returned +76.18% over the past 12 months, compared with -50.08% for FOUR (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BFH or FOUR?
BFH has the lower trailing P/E at 7.6, versus 61.9 for FOUR. 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 Shift4 Payments?
Shift4 Payments has the higher yield at 15.58%, compared with 0.92% for Bread Financial.
Are Bread Financial and Shift4 Payments in the same industry?
Yes. Both are classified in the Business Services industry within the Consumer Discretionary sector.