# Bread Financial Holdings, Inc. (BFH) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Bread Financial Holdings, Inc. (BFH) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: BFH +40.34%, SPY +91.57%. Regime BFH BEAR · SPY BULL. As of Oct 9, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/BFH/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=BFH%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| BFH | +40.34% | -70.12% | +34.65% |
| SPY | +91.57% | -24.49% | +14.86% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| BFH | +82.33% | +107.12% | +241.63% | +40.34% |
| SPY | +17.26% | +38.01% | +86.77% | +91.57% |

## Annual

| Year | BFH | SPY |
|---|---:|---:|
| YTD | +34.65% | +14.86% |
| 2025 | +24.25% | +18.01% |
| 2024 | +88.61% | +25.59% |
| 2023 | -10.90% | +26.73% |
| 2022 | -44.17% | -18.64% |
| 2021 | -14.68% | +9.65% |

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Research context only. Not personalized investment advice.