Stocks / BFH vs INDB

BFH vs INDB: Which Stock Is the Better Buy?

Bread Financial Holdings, Inc. and Independent Bank Corp. side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.

INDB is the larger company ($3.9B vs $3.9B). On the fundamentals, INDB earns a higher net margin (23.9% vs 13.5%); BFH has the stronger return on equity (15.6% vs 5.8%); BFH trades cheaper on earnings (7.9× vs 16.1×). On the filings, BFH carries fewer potential red flags (0 vs 1). Full numbers below — the stronger figure on each row is in green.

AI verdict — BFH vs INDB, read from the filings

The stronger business, the cheaper stock, and the risks — synthesised from both companies’ SEC filings, every figure computed not guessed. Not investment advice.

 Bread Financial Holdings, Inc. (BFH)Independent Bank Corp. (INDB)
Market cap$3.9B$3.9B
Revenue (latest FY)$3.85B$857.52M
Net income (latest FY)$518.00M$205.12M
Revenue growth (5y CAGR)-3.2%
Net margin13.5%23.9%
Return on equity15.6%5.8%
P/E ratio7.916.1
Dividend yield1.0%3.2%
Profitable years (of last 10)1010
Positive free cash flowYes

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Use the filing period and source shown by each tool before treating two figures as comparable.

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See the full BFH vs INDB breakdown

Both companies across 19 years of income statement, balance sheet and cash flow — with ratios, health checks and Ask, the SEC-grounded research assistant. Free, no account needed.

Open BFH's full financials →   Open INDB's full financials →

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Frequently asked questions

Which is bigger, BFH or INDB?

Independent Bank Corp. is larger by market capitalization — $3.9B versus $3.9B.

Which grows faster, BFH or INDB?

Five-year growth data is not available for both companies.

Where does this data come from?

All figures are computed from official SEC filings (10-K), refreshed nightly. This is a data comparison, not investment advice.

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