Bread Financial (BFH) vs Maximus (MMS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Bread Financial (BFH) has outperformed Maximus (MMS) over the past year, gaining 76.2% versus a loss of 38.3%. Over five years, BFH leads with a +22.5% price change compared with -35.5% for MMS. Bread Financial is the larger company by market cap ($3.75 billion vs $2.91 billion), about 1.3 times the size, while Maximus is growing revenue faster (+2.4% vs +0.2%).
On valuation, Maximus trades at a lower forward P/E (6.7x vs 7.1x for Bread Financial). Maximus offers the higher dividend yield (2.26% vs 0.92%). Bread Financial converts more of its revenue into profit, with a net margin of 13.5% versus 5.9%.
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 | MMS |
|---|---|---|
| Share price | $97.64 | $55.65 |
| Market cap | $3.75B | $2.91B |
| 1-day change | -0.16% | +1.77% |
| YTD return | +31.89% | -35.53% |
| 1-year return | +76.18% | -38.32% |
| 5-year return | +22.45% | -35.49% |
| P/E ratio (TTM) | 7.57 | 8.23 |
| Forward P/E | 7.12 | 6.66 |
| EPS (TTM) | $12.90 | $6.76 |
| Dividend yield | 0.92% | 2.26% |
| Annual dividend | $0.90 | $1.26 |
| Revenue (latest FY) | $3.85B | $5.43B |
| Revenue growth (YoY) | +0.18% | +2.36% |
| Net income (latest FY) | $518.00M | $319.03M |
| Gross margin | — | 24.55% |
| Operating margin | — | 9.73% |
| Net margin | 13.47% | 5.87% |
| 52-week high | $114.53 | $100.00 |
| 52-week low | $53.83 | $51.04 |
| Distance from 52-week high | -14.75% | -44.35% |
| Analyst consensus | buy | none |
| Avg. price target upside | +17.78% | +66.22% |
| Average volume | 557.96K | 648.76K |
| Shares outstanding | 38.42M | 52.36M |
| Employees | 6,000 | 37,200 |
| 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 MMS by 114.5 percentage points over the past year.
- Maximus offers a meaningfully higher dividend yield (2.26% vs 0.92%).
- Bread Financial is more profitable, keeping 13.5 cents of every revenue dollar as net income versus 5.9 cents for Maximus.
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 Maximus
MMS stock →Maximus, Inc. operates as a provider of government services worldwide.
Consumer Discretionary · Business Services · 37,200 employees
BFH vs MMS FAQ
Which is bigger, Bread Financial or Maximus?
Bread Financial (BFH) is larger, with a market capitalization of $3.75B compared with $2.91B for Maximus (MMS).
Which stock has performed better over the past year, BFH or MMS?
BFH returned +76.18% over the past 12 months, compared with -38.32% for MMS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BFH or MMS?
BFH has the lower trailing P/E at 7.6, versus 8.2 for MMS. 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 Maximus?
Maximus has the higher yield at 2.26%, compared with 0.92% for Bread Financial.
Are Bread Financial and Maximus in the same industry?
Yes. Both are classified in the Business Services industry within the Consumer Discretionary sector.