ATMP vs BFH vs HTT Stock Comparison

Barclays Bank, Bread Financial Holdings and High Templar Tech Prices as of Oct 26, 2026 Peers: Industry group
ATMP Barclays Bank Plc
$36.13 +3.5% 1M +30.3% 1Y
Market cap
$10.26B
P/E
–
Revenue (TTM)
—
Div. yield
–
Money Center Banks Financial Services
3 wins
HTT High Templar Tech Ltd
$1.90 -20.8% 1M -57.2% 1Y
Market cap
$820.37M
P/E
–
Revenue (TTM)
—
Div. yield
–
Consumer Lending Financial Services

Head to Head

4 decided of 12

Barclays Bank leads on 3 of the 12 questions below (Barclays Bank 3, Bread Financial Holdings 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionATMPBFHHTTLeader
Larger companyMarket capitalisation $10.26B $4.10B $820.37M ATMP
Cheaper on earningsLower P/E, profitable companies only — 7.3x — –
Cheaper on forward earningsLower price / next fiscal year consensus EPS — 8.3x — –
Faster revenue growthRevenue growth, trailing twelve months — +3.9% — –
More profitableNet margin, trailing twelve months — 14.3% — –
Better return on capitalReturn on invested capital — 20.2% — –
Less leveragedLower net debt / EBITDA — -0.8x — –
Higher dividend yieldTrailing dividend yield 0.00% 0.01% 0.00% –
Better 1-year returnPrice return, last 12 months +30.3% +55.4% -57.2% BFH
Better 5-year returnAnnualised price return, 5 years +16.4%/yr +7.6%/yr +1.8%/yr ATMP
Less volatileAnnualised volatility, 1 year 16.1% 39.9% 56.9% ATMP
Higher overall scoreMean of the five percentile scores vs peers — 81/100 — –

Percentile Scorecard

ATMPBFHHTT

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisATMPBFHHTT
Valuation – 96 #7 of 170 –
Growth – 67 #53 of 160 –
Profitability – 86 #22 of 149 –
Financial Health 51 #101 of 203 73 #43 of 158 93 #12 of 158
Shareholder Returns 91 #32 of 342 84 #23 of 135 –
Overall – 81 –
  • ATMP ranked among 370 companies in Banking
  • BFH ranked among 175 companies in Lending and Credit
  • HTT ranked among 175 companies in Lending and Credit

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodATMPBFHHTTSPY
1 month +3.5%-1.1%-20.8% -0.8%
3 months +0.8%-4.0%-21.5% +3.5%
6 months +7.7%+15.7%-21.8% +7.0%
Year to date +25.6%+37.5%-46.5% +12.2%
1 year +30.3%+55.4%-57.2% +13.0%
3 years +74.5%+280.3%+5.6% +86.3%
3 years, per year +20.4%+56.1%+1.8% +23.1%
5 years +113.1%+44.1%+9.2% +68.6%
5 years, per year +16.4%+7.6%+1.8% +11.0%
10 years +58.5%-37.1%— +258.0%
10 years, per year +4.7%-4.5%— +13.6%

Risk

MeasureATMPBFHHTTSPY
Volatility, 1Y 16.1%39.9%56.9% 12.7%
Downside volatility, 1Y 16.6%45.6%59.8% 12.7%
Beta vs S&P 500, 1Y -0.191.181.15 1.00
Return / volatility, 1Y 1.881.39-1.01 1.02
Max drawdown, 5Y -23.0%-70.4%-64.4% -25.4%
From 52-week high -3.1%-10.2%-61.6% -1.8%
52-week high $37.29$113.40$4.95 $779.14
52-week low $27.56$59.98$1.90 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleATMPBFHHTT
P/E now vs peer median —median 12.1x 7.2xmedian 11.0x —median 11.0x
P/S now vs peer median —median 3.4x 1.0xmedian 2.6x —median 2.6x
EV/EBITDA now vs peer median —median 5.0x 1.7xmedian 13.1x —median 13.1x
P/FCF now vs peer median —median 11.0x 1.8xmedian 6.9x —median 6.9x
P/B now vs peer median 0.2xmedian 1.2x 1.2xmedian 0.7x 0.5xmedian 0.7x
PEG now vs peer median —median 1.36 0.62median 0.32 —median 0.32

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsATMPBFHHTT
Revenue – $3.96B –
Net income – $569.00M –
Free cash flow – $2.19B –
EPS (diluted) – $13.88 –
Cash & equivalents $303.23B $3.68B $561.74M
Total debt $116.64M $2.45B $879.65M
Shares (diluted) 337.58M 40.70M 500.73M
Enterprise value -$1.32T -$10.59B -$2.21B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricATMPBFHHTT
P/E – 7.2x –
P/FCF – 1.8x –
P/Operating cash flow – 1.8x –
P/S – 1.0x –
P/B 0.2x 1.2x 0.5x
P/Tangible book 0.2x 1.2x 0.5x
EV/EBITDA – 1.7x –
EV/EBIT – 1.8x –
EV/Revenue – 0.7x –
EV/FCF – 1.2x –
EV/Operating cash flow – 1.2x –
PEG (3Y EPS CAGR) – 0.62 –

Growth

14 metrics
MetricATMPBFHHTT
Revenue growth (1Y) – 3.9% –
Revenue CAGR (3Y) – -2.4% –
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – –
Operating income CAGR (3Y) – – –
Net income growth (1Y) – 99.0% –
Net income CAGR (3Y) – 4.2% –
EPS growth (1Y) – 129.1% –
EPS CAGR (3Y) – 11.6% –
Operating cash flow growth (1Y) – 18.3% –
Operating cash flow CAGR (3Y) – 5.9% –
Free cash flow growth (1Y) – 18.3% –
Free cash flow CAGR (3Y) – 6.4% –

Profitability

14 metrics
MetricATMPBFHHTT
Gross margin – – –
EBITDA margin – 39.7% –
Operating margin – – –
Pretax margin – 17.3% –
Net margin – 14.3% –
FCF margin – 55.4% –
Operating cash flow margin – 55.4% –
Return on equity – 17.0% –
Return on assets – 2.5% –
Return on invested capital – 20.2% –
Return on capital employed – – –
Asset turnover – 0.2x –
Cash conversion (OCF / net income) – 3.9x –
Stock comp / revenue – 1.5% –

Financial Health

11 metrics
MetricATMPBFHHTT
Debt / assets 0.0% 10.9% 16.0%
Debt / equity 0.0x 0.7x 0.2x
Net debt / EBITDA – -0.8x –
Debt / FCF – 1.1x –
Liabilities / assets 95.5% 85.0% 21.2%
Equity / assets 4.5% 15.0% 78.8%
Interest coverage – 1.9x –
Current ratio – – 4.8x
Quick ratio – – 2.4x
Cash ratio – – 2.4x
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricATMPBFHHTT
Dividend yield 4.4% 0.9% –
Net buyback yield – 14.2% –
Shareholder yield 4.4% 15.1% –
Payout ratio (earnings) – 7.9% –
Payout ratio (FCF) – 2.1% –
Dividend growth (1Y) – 4.7% –
Dividend CAGR (3Y) – 1.5% –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusATMPBFHHTT
Forward P/E – 8.3xFY2026 –
EPS, next fiscal year – $12.23FY2026 $-0.04FY2024
EPS growth, next FY – +0.6%FY2026 -233.3%FY2024
EPS growth, the year after – +7.8% –
Revenue, next fiscal year – $3.93BFY2026 $47.00MFY2024
Revenue growth, next FY – +2.2%FY2026 +164.2%FY2024
Revenue growth, the year after – +11.2% –

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersATMPBFHHTT
Held by institutions – 98.3% 2.2%
Institutions holding – 421 42
Change in shares held, QoQ – -14.5% -26.1%
Institutions buying – 205 14
Institutions selling – 155 21
Buyers to sellers – 1.32 0.67

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

ATMPBFHHTT
ATMP 1.00 -0.06 -0.14
BFH -0.06 1.00 0.11
HTT -0.14 0.11 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, ATMP, BFH and HTT?

Barclays Bank (ATMP) is the largest by market capitalisation: Barclays Bank (ATMP) $10.26B, Bread Financial Holdings (BFH) $4.10B, High Templar Tech (HTT) $820.37M.

Which stock has performed better?

Over the past year Bread Financial Holdings (BFH) returned the most: Barclays Bank (ATMP) +30.3%, Bread Financial Holdings (BFH) +55.4%, High Templar Tech (HTT) -57.2%. Over five years, Barclays Bank (ATMP) compounded fastest (Barclays Bank (ATMP) +16.4%/yr, Bread Financial Holdings (BFH) +7.6%/yr, High Templar Tech (HTT) +1.8%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Barclays Bank (ATMP) 0.00%, Bread Financial Holdings (BFH) 0.01%, High Templar Tech (HTT) 0.00%. Barclays Bank (ATMP) and High Templar Tech (HTT) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Barclays Bank (ATMP) has been the steadiest (Barclays Bank (ATMP) 16.1%, Bread Financial Holdings (BFH) 39.9%, High Templar Tech (HTT) 56.9%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, ATMP, BFH and HTT?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Barclays Bank (ATMP) leads on 3. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.