Bread Financial (BFH) vs Paymentus (PAY)
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 Paymentus (PAY) over the past year, gaining 76.2% versus a loss of 3.1%. Over five years, PAY leads with a +30.3% price change compared with +22.5% for BFH. Paymentus is the larger company by market cap ($3.94 billion vs $3.75 billion), about 1.1 times the size.
On valuation, Bread Financial trades at a lower forward P/E (7.1x vs 28.7x for Paymentus). Bread Financial pays a dividend yielding 0.92%, while Paymentus 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 | PAY |
|---|---|---|
| Share price | $97.64 | $31.32 |
| Market cap | $3.75B | $3.94B |
| 1-day change | -0.16% | -1.23% |
| YTD return | +31.89% | -0.85% |
| 1-year return | +76.18% | -3.12% |
| 5-year return | +22.45% | +30.28% |
| P/E ratio (TTM) | 7.57 | 47.45 |
| Forward P/E | 7.12 | 28.71 |
| EPS (TTM) | $12.90 | $0.66 |
| Dividend yield | 0.92% | 0.00% |
| Annual dividend | $0.90 | $0.00 |
| Revenue (latest FY) | — | $1.20B |
| Revenue growth (YoY) | — | +37.25% |
| Net income (latest FY) | — | $66.94M |
| Gross margin | — | 24.77% |
| Operating margin | — | 6.31% |
| Net margin | — | 5.59% |
| 52-week high | $114.53 | $45.31 |
| 52-week low | $53.83 | $20.11 |
| Distance from 52-week high | -14.75% | -30.88% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +17.78% | +28.16% |
| Average volume | 558.97K | 1.17M |
| Shares outstanding | 38.42M | 63.11M |
| Employees | 6,000 | 1,340 |
| 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 PAY by 79.3 percentage points over the past year.
- Paymentus trades at a higher earnings multiple (47.5x 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 Paymentus
PAY stock →Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally.
Consumer Discretionary · Business Services · 1,340 employees
BFH vs PAY FAQ
Which is bigger, Bread Financial or Paymentus?
Paymentus (PAY) is larger, with a market capitalization of $3.94B compared with $3.75B for Bread Financial (BFH).
Which stock has performed better over the past year, BFH or PAY?
BFH returned +76.18% over the past 12 months, compared with -3.12% for PAY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BFH or PAY?
BFH has the lower trailing P/E at 7.6, versus 47.5 for PAY. 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 Paymentus?
Bread Financial pays a dividend yielding 0.92%, while Paymentus does not currently pay a regular dividend.
Are Bread Financial and Paymentus in the same industry?
Yes. Both are classified in the Business Services industry within the Consumer Discretionary sector.