Bread Financial (BFH) vs TriNet Group (TNET)
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 TriNet Group (TNET) over the past year, gaining 76.2% versus a loss of 0.4%. Over five years, BFH leads with a +22.5% price change compared with -34.7% for TNET. Bread Financial is the larger company by market cap ($3.75 billion vs $2.96 billion), about 1.3 times the size.
On valuation, Bread Financial trades at a lower forward P/E (7.1x vs 13.1x for TriNet Group). TriNet Group offers the higher dividend yield (1.75% vs 0.92%). Bread Financial converts more of its revenue into profit, with a net margin of 13.5% versus 3.1%.
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 | TNET |
|---|---|---|
| Share price | $97.64 | $64.45 |
| Market cap | $3.75B | $2.96B |
| 1-day change | -0.16% | +2.66% |
| YTD return | +31.89% | +9.00% |
| 1-year return | +76.18% | -0.37% |
| 5-year return | +22.45% | -34.70% |
| P/E ratio (TTM) | 7.57 | 17.14 |
| Forward P/E | 7.12 | 13.09 |
| EPS (TTM) | $12.90 | $3.76 |
| Dividend yield | 0.92% | 1.75% |
| Annual dividend | $0.90 | $1.13 |
| Revenue (latest FY) | $3.85B | $5.01B |
| Revenue growth (YoY) | +0.18% | -0.85% |
| Net income (latest FY) | $518.00M | $155.00M |
| Net margin | 13.47% | 3.09% |
| 52-week high | $114.53 | $73.08 |
| 52-week low | $53.83 | $33.61 |
| Distance from 52-week high | -14.75% | -11.81% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +17.78% | +2.72% |
| Average volume | 558.97K | 359.35K |
| Shares outstanding | 38.42M | 45.90M |
| Employees | 6,000 | 302,955 |
| 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 TNET by 76.6 percentage points over the past year.
- TriNet Group trades at a higher earnings multiple (17.1x vs 7.6x trailing P/E).
- Bread Financial is more profitable, keeping 13.5 cents of every revenue dollar as net income versus 3.1 cents for TriNet Group.
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 TriNet Group
TNET stock →TriNet Group, Inc. provides comprehensive human capital management services for small and medium-sized businesses in the United States.
Consumer Discretionary · Business Services · 302,955 employees
BFH vs TNET FAQ
Which is bigger, Bread Financial or TriNet Group?
Bread Financial (BFH) is larger, with a market capitalization of $3.75B compared with $2.96B for TriNet Group (TNET).
Which stock has performed better over the past year, BFH or TNET?
BFH returned +76.18% over the past 12 months, compared with -0.37% for TNET (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BFH or TNET?
BFH has the lower trailing P/E at 7.6, versus 17.1 for TNET. 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 TriNet Group?
TriNet Group has the higher yield at 1.75%, compared with 0.92% for Bread Financial.
Are Bread Financial and TriNet Group in the same industry?
Yes. Both are classified in the Business Services industry within the Consumer Discretionary sector.