OMF
Price
$54.13
Change
+$0.86 (+1.61%)
Updated
Oct 17 closing price
Capitalization
6.43B
13 days until earnings call
UPST
Price
$46.50
Change
-$1.28 (-2.68%)
Updated
Oct 17 closing price
Capitalization
4.47B
17 days until earnings call
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OMF vs UPST

Header iconOMF vs UPST Comparison
Open Charts OMF vs UPSTBanner chart's image
OneMain Holdings
Price$54.13
Change+$0.86 (+1.61%)
Volume$719.29K
Capitalization6.43B
Upstart Holdings
Price$46.50
Change-$1.28 (-2.68%)
Volume$5.34M
Capitalization4.47B
OMF vs UPST Comparison Chart in %
OMF
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
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OMF vs. UPST commentary
Oct 18, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is OMF is a Hold and UPST is a Hold.

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COMPARISON
Comparison
Oct 18, 2025
Stock price -- (OMF: $54.13 vs. UPST: $46.50)
Brand notoriety: OMF and UPST are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: OMF: 77% vs. UPST: 76%
Market capitalization -- OMF: $6.43B vs. UPST: $4.47B
OMF [@Savings Banks] is valued at $6.43B. UPST’s [@Savings Banks] market capitalization is $4.47B. The market cap for tickers in the [@Savings Banks] industry ranges from $663.59B to $0. The average market capitalization across the [@Savings Banks] industry is $21.75B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

OMF’s FA Score shows that 3 FA rating(s) are green whileUPST’s FA Score has 0 green FA rating(s).

  • OMF’s FA Score: 3 green, 2 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, OMF is a better buy in the long-term than UPST.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

OMF’s TA Score shows that 4 TA indicator(s) are bullish while UPST’s TA Score has 4 bullish TA indicator(s).

  • OMF’s TA Score: 4 bullish, 5 bearish.
  • UPST’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, UPST is a better buy in the short-term than OMF.

Price Growth

OMF (@Savings Banks) experienced а +3.80% price change this week, while UPST (@Savings Banks) price change was -4.28% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.78%. For the same industry, the average monthly price growth was -3.43%, and the average quarterly price growth was +44.93%.

Reported Earning Dates

OMF is expected to report earnings on Oct 31, 2025.

UPST is expected to report earnings on Nov 04, 2025.

Industries' Descriptions

@Savings Banks (+0.78% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
OMF($6.43B) has a higher market cap than UPST($4.47B). OMF YTD gains are higher at: 10.048 vs. UPST (-24.476). UPST has less debt than OMF: UPST (1.47B) vs OMF (22.1B). OMF has higher revenues than UPST: OMF (4.76B) vs UPST (844M).
OMFUPSTOMF / UPST
Capitalization6.43B4.47B144%
EBITDAN/AN/A-
Gain YTD10.048-24.476-41%
P/E Ratio9.75N/A-
Revenue4.76B844M564%
Total CashN/AN/A-
Total Debt22.1B1.47B1,501%
FUNDAMENTALS RATINGS
OMF: Fundamental Ratings
OMF
OUTLOOK RATING
1..100
54
VALUATION
overvalued / fair valued / undervalued
1..100
13
Undervalued
PROFIT vs RISK RATING
1..100
26
SMR RATING
1..100
8
PRICE GROWTH RATING
1..100
57
P/E GROWTH RATING
1..100
48
SEASONALITY SCORE
1..100
85

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
OMFUPST
RSI
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
90%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
88%
Momentum
ODDS (%)
Bearish Trend 5 days ago
66%
Bearish Trend 2 days ago
90%
MACD
ODDS (%)
N/A
Bearish Trend 2 days ago
90%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
69%
Bearish Trend 2 days ago
88%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
88%
Advances
ODDS (%)
Bullish Trend 5 days ago
65%
Bullish Trend 4 days ago
88%
Declines
ODDS (%)
Bearish Trend 3 days ago
65%
Bearish Trend 2 days ago
90%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
82%
Bullish Trend 2 days ago
90%
Aroon
ODDS (%)
Bearish Trend 2 days ago
52%
Bearish Trend 2 days ago
89%
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OMF
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
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OMF and

Correlation & Price change

A.I.dvisor indicates that over the last year, OMF has been closely correlated with AXP. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if OMF jumps, then AXP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OMF
1D Price
Change %
OMF100%
+1.61%
AXP - OMF
84%
Closely correlated
+7.27%
COF - OMF
82%
Closely correlated
+4.03%
SYF - OMF
82%
Closely correlated
+1.79%
ENVA - OMF
81%
Closely correlated
+1.69%
ALLY - OMF
80%
Closely correlated
+3.56%
More

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with SOFI. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then SOFI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
-2.69%
SOFI - UPST
64%
Loosely correlated
-0.23%
SEZL - UPST
62%
Loosely correlated
-1.39%
LC - UPST
54%
Loosely correlated
-1.09%
AXP - UPST
53%
Loosely correlated
+7.27%
OMF - UPST
52%
Loosely correlated
+1.61%
More