Sifting through countless of stocks in the Consumer Finance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in SoFi Technologies, Inc., Bread Financial Holdings or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how SoFi Technologies, Inc., Bread Financial Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About SoFi Technologies, Inc., Bread Financial Holdings and Inc.

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees’ behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Latest Consumer Finance and SoFi Technologies, Inc., Bread Financial Holdings, Inc. Stock News

As of September 9, 2026, SoFi Technologies, Inc. had a $22.4 billion market capitalization, compared to the Consumer Finance median of $1.0 million. SoFi Technologies, Inc.’s stock is down 34.3% in 2026, down 3.5% in the previous five trading days and down 33.24% in the past year.

Currently, SoFi Technologies, Inc.’s price-earnings ratio is 36.5. SoFi Technologies, Inc.’s trailing 12-month revenue is $4.3 billion with a 14.9% net profit margin. Year-over-year quarterly sales growth most recently was 42.6%. Analysts expect adjusted earnings to reach $0.596 per share for the current fiscal year. SoFi Technologies, Inc. does not currently pay a dividend.

As of September 9, 2026, Bread Financial Holdings, Inc. had a $4.1 billion market cap, putting it in the 64th percentile of all stocks. Bread Financial Holdings, Inc.’s stock is up 44.3% in 2026, up 0.4% in the previous five trading days and up 63.79% in the past year.

Currently, Bread Financial Holdings, Inc.’s price-earnings ratio is 8.4. Bread Financial Holdings, Inc.’s trailing 12-month revenue is $2.7 billion with a 21.4% net profit margin. Year-over-year quarterly sales growth most recently was 3.8%. Analysts expect adjusted earnings to reach $12.221 per share for the current fiscal year. Bread Financial Holdings, Inc. currently has a 0.9% dividend yield.

How We Compare SoFi Technologies, Inc., Bread Financial Holdings and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at SoFi Technologies, Inc., Bread Financial Holdings and Inc.’s stock grades to see how they measure up against one another.

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SoFi Technologies, Inc., Bread Financial Holdings and Inc. Stock Value Grades

Company	Ticker	Value
SoFi Technologies, Inc.	SOFI	F
Bread Financial Holdings, Inc.	BFH	A

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

SoFi Technologies, Inc. has a Value Score of 16, which is Ultra Expensive. Bread Financial Holdings, Inc. has a Value Score of 96, which is Deep Value.

The Value Stock Winner: Bread Financial Holdings, Inc.

As you can clearly see from the Value Grade breakdown above, Bread Financial Holdings, Inc. is considered to have better value than SoFi Technologies, Inc.. For investors who focus solely on a company’s valuation, Bread Financial Holdings, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

SoFi Technologies, Inc., Bread Financial Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
SoFi Technologies, Inc.	SOFI	D
Bread Financial Holdings, Inc.	BFH	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

SoFi Technologies, Inc. has a Momentum Score of 27, which is Weak. Bread Financial Holdings, Inc. has a Momentum Score of 80, which is Strong.

The Momentum Grade Winner: Bread Financial Holdings, Inc.

As you can clearly see from the Momentum Grade breakdown above, Bread Financial Holdings, Inc. is considered to have stronger momentum compared to SoFi Technologies, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Bread Financial Holdings, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

SoFi Technologies, Inc., Bread Financial Holdings and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
SoFi Technologies, Inc.	SOFI	B
Bread Financial Holdings, Inc.	BFH	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

SoFi Technologies, Inc. has a Earnings Estimate Score of 74, which is Positive. Bread Financial Holdings, Inc. has a Earnings Estimate Score of 73, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both SoFi Technologies, Inc., Bread Financial Holdings and Inc. have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether SoFi Technologies, Inc., Bread Financial Holdings or Inc. is a better fit.

Other SoFi Technologies, Inc., Bread Financial Holdings and Inc. Grades

In addition to Momentum, Value and Estimate Revisions, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether SoFi Technologies, Inc., Bread Financial Holdings and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, SoFi Technologies, Inc., Bread Financial Holdings or Inc. Stock?

Overall, SoFi Technologies, Inc. stock has a Value Score of 16, Momentum Score of 27 and Estimate Revisions Score of 74.

Bread Financial Holdings, Inc. stock has a Value Score of 96, Momentum Score of 80 and Estimate Revisions Score of 73.

Comparing SoFi Technologies, Inc., Bread Financial Holdings and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.