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COF vs OMF
Which Stock Would AI Choose? Capital One Financial (COF) vs. OneMain Holdings (OMF) Stock Comparison
Key Takeaways
- COF shows stronger year-to-date (YTD) performance at +14.8% compared to OMF's +9.6%, reflecting broader market positioning.
- OMF trades at a lower price-to-earnings (P/E) ratio of 9.1x versus COF's 61x, offering value appeal amid consumer lending focus.
- Both stocks operate in consumer finance but COF benefits from diversified banking segments for stability.
- Recent analyst sentiment leans positive for COF ahead of earnings, while OMF faces mixed views post-Q4 results.
- COF's larger $128 billion market cap dwarfs OMF's $7 billion, highlighting scale differences.
Introduction
Capital One Financial (COF) and OneMain Holdings (OMF) represent key players in the consumer finance sector, where lending and credit services drive revenue amid fluctuating interest rates and economic conditions. COF offers diversified banking products, while OMF specializes in personal and auto loans. This stock comparison aids traders seeking momentum plays and investors eyeing value opportunities, highlighting relative performance, valuation, and market sentiment in recent market activity. Understanding these dynamics helps in portfolio allocation within financials.
COF Overview and Recent Performance
Capital One Financial Corporation (COF) is a major financial services holding company providing credit cards, consumer banking, and commercial lending through segments like Credit Card, Consumer Banking, and Commercial Banking. With a market capitalization of approximately $128 billion, it serves millions via digital and branch channels.
In recent weeks, COF shares have traded around $206, up 14.8% YTD and within a 52-week range of $162 to $260. Performance has been buoyed by strong credit card net interest income (NII) and anticipation for Q1 earnings, projecting 54% year-over-year revenue growth to $15.4 billion. Analyst ratings remain overweight, with price targets averaging $257, though EPS estimates have slightly softened. Sentiment reflects resilience in consumer spending and deposit growth despite rate pressures.
OMF Overview and Recent Performance
OneMain Holdings, Inc. (OMF) focuses on consumer finance, originating personal loans, auto financing, and insurance products through branches and digital platforms. Its $7 billion market cap underscores a niche in non-prime lending.
Recently, OMF shares hover near $60, with 9.6% YTD gains in a 52-week span of $44 to $72. Post-Q4 earnings, which beat estimates on NII at $1.09 billion but faced higher provisions, shares dipped amid elevated expenses. Valuation analyses note attractive metrics post-share swings, though JP Morgan's underweight rating with a $55 target tempers optimism. Performance ties to loan originations and net charge-offs (NCOs), sensitive to economic shifts.
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Head-to-Head Comparison
COF and OMF both navigate consumer credit but diverge in scale and focus: COF's full-service banking model spans prime credit cards and deposits for diversified revenue, while OMF emphasizes higher-yield non-prime personal loans, heightening credit risk exposure.
Growth drivers favor COF's larger origination volumes and commercial segments over OMF's loan portfolio expansion amid rising NCOs. Recent momentum tilts to COF with superior YTD returns and pre-earnings uplift, versus OMF's valuation-driven volatility. Risks include interest rate sensitivity for both, but OMF faces greater economic downturn vulnerability. Market sentiment positions COF as growth-oriented, OMF as a value trade-off.
Tickeron AI Verdict
Tickeron's AI currently favors COF over OMF, driven by consistent trend strength, YTD outperformance, diversified stability, and positive catalysts like robust earnings expectations. While OMF presents value via low P/E, COF's relative positioning suggests higher probability of near-term upside in the current environment.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
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 COF is a Hold and OMF is a StrongBuy.
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).
COF’s FA Score shows that 2 FA rating(s) are green whileOMF’s FA Score has 2 green FA rating(s).
- COF’s FA Score: 2 green, 3 red.
- OMF’s FA Score: 2 green, 3 red.
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.
COF’s TA Score shows that 3 TA indicator(s) are bullish while OMF’s TA Score has 3 bullish TA indicator(s).
- COF’s TA Score: 3 bullish, 6 bearish.
- OMF’s TA Score: 3 bullish, 6 bearish.
Price Growth
COF (@Savings Banks) experienced а -2.26% price change this week, while OMF (@Savings Banks) price change was -1.28% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -2.58%. For the same industry, the average monthly price growth was -2.95%, and the average quarterly price growth was -11.15%.
Reported Earning Dates
COF is expected to report earnings on Jul 28, 2026.
OMF is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Savings Banks (-2.58% 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.
| COF | OMF | COF / OMF | |
| Capitalization | 112B | 6.25B | 1,793% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -24.964 | -16.911 | 148% |
| P/E Ratio | 55.48 | 8.06 | 689% |
| Revenue | 58.7B | 5.05B | 1,163% |
| Total Cash | 3.03B | N/A | - |
| Total Debt | 51.3B | 22.4B | 229% |
COF | OMF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 61 | 66 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 91 Overvalued | 11 Undervalued | |
PROFIT vs RISK RATING 1..100 | 70 | 48 | |
SMR RATING 1..100 | 4 | 10 | |
PRICE GROWTH RATING 1..100 | 61 | 52 | |
P/E GROWTH RATING 1..100 | 5 | 79 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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.
OMF's Valuation (11) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for COF (91) in the Major Banks industry. This means that OMF’s stock grew significantly faster than COF’s over the last 12 months.
OMF's Profit vs Risk Rating (48) in the Finance Or Rental Or Leasing industry is in the same range as COF (70) in the Major Banks industry. This means that OMF’s stock grew similarly to COF’s over the last 12 months.
COF's SMR Rating (4) in the Major Banks industry is in the same range as OMF (10) in the Finance Or Rental Or Leasing industry. This means that COF’s stock grew similarly to OMF’s over the last 12 months.
OMF's Price Growth Rating (52) in the Finance Or Rental Or Leasing industry is in the same range as COF (61) in the Major Banks industry. This means that OMF’s stock grew similarly to COF’s over the last 12 months.
COF's P/E Growth Rating (5) in the Major Banks industry is significantly better than the same rating for OMF (79) in the Finance Or Rental Or Leasing industry. This means that COF’s stock grew significantly faster than OMF’s over the last 12 months.
| COF | OMF | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 68% | 2 days ago 74% |
| Momentum ODDS (%) | 2 days ago 63% | 2 days ago 74% |
| MACD ODDS (%) | 2 days ago 63% | 2 days ago 70% |
| TrendWeek ODDS (%) | 2 days ago 65% | 2 days ago 69% |
| TrendMonth ODDS (%) | 2 days ago 65% | 2 days ago 64% |
| Advances ODDS (%) | 26 days ago 65% | 5 days ago 64% |
| Declines ODDS (%) | 2 days ago 64% | 7 days ago 69% |
| BollingerBands ODDS (%) | 2 days ago 74% | 2 days ago 83% |
| Aroon ODDS (%) | 2 days ago 59% | 2 days ago 58% |
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COF and
Correlation & Price change
A.I.dvisor indicates that over the last year, COF has been closely correlated with SYF. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if COF jumps, then SYF could also see price increases.
OMF and
Correlation & Price change
A.I.dvisor indicates that over the last year, OMF has been closely correlated with SYF. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if OMF jumps, then SYF could also see price increases.