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COF vs OMF
Which Stock Would AI Choose? Capital One Financial Corporation (COF) vs. OneMain Holdings, Inc. (OMF) Stock Comparison
Key Takeaways
- COF (Capital One Financial Corporation) has demonstrated stronger recent momentum in the financial sector, with notable price gains amid broader market activity and anticipation of its second-quarter 2026 earnings.
- OMF (OneMain Holdings, Inc.) focuses on nonprime consumer lending and maintains a high dividend yield, with its second-quarter 2026 results scheduled later in July.
- Both stocks operate in consumer finance but differ in scale and business emphasis, with COF offering broader banking services including credit cards and deposits.
- Recent market sentiment for COF reflects analyst target adjustments and integration progress on prior acquisitions, while OMF shows resilience in its core lending segment.
- Relative performance highlights trade-offs between COF's larger market presence and growth catalysts versus OMF's specialized exposure and income distribution.
- Market positioning for both remains influenced by interest rate environments and consumer credit trends over recent weeks.
Introduction
Capital One Financial Corporation (COF) and OneMain Holdings, Inc. (OMF) represent distinct segments of the consumer finance industry, making them relevant for comparison among investors seeking exposure to credit services and banking. Traders and portfolio managers evaluating financial sector allocations often examine these names for differences in business models, recent price behavior, and sector-specific drivers. This analysis provides a factual overview of their relative positioning to support informed decision-making in the current market environment.
COF Overview and Recent Performance
Capital One Financial Corporation (COF) provides credit cards, consumer banking, and commercial lending services. In recent market activity, the stock has shown volatility with upward movement, closing at 200.10 on July 9, 2026, after a gain of 4.25% that session. Year-to-date returns have outpaced the broader market in some measures, supported by sector rotation and anticipation of second-quarter 2026 earnings scheduled for July 21. Analyst price targets have seen mixed revisions in recent weeks, reflecting ongoing evaluation of the Discover acquisition integration and capital buffer requirements. Sentiment has been shaped by earnings expectations and broader financial sector trends.
OMF Overview and Recent Performance
OneMain Holdings, Inc. (OMF) specializes in nonprime consumer lending through personal loans and related financial products. The stock has traded in a range amid recent sessions, with closes near 58-60 levels as of early July 2026. Year-to-date performance has been more modest compared to broader indices, with the company set to report second-quarter 2026 results on July 29. Recent activity includes dividend declarations and focus on managed receivables growth in its core segment. Market sentiment has responded to earnings timing and credit performance metrics within the consumer finance space.
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Head-to-Head Comparison
COF operates at larger scale with diversified revenue from credit cards, deposits, and commercial activities, while OMF concentrates on nonprime personal lending. Growth drivers for COF include acquisition synergies and net interest income expansion, whereas OMF emphasizes loan origination volume and credit loss management. Recent momentum favors COF in relative price action amid financial sector rallies, though OMF offers higher dividend yields as a trade-off. Risk factors differ with COF facing integration and regulatory considerations versus OMF’s sensitivity to consumer credit cycles. Sector exposure overlaps in consumer finance but COF carries broader banking elements. Market sentiment reflects analyst scrutiny for both, with positioning influenced by interest rate outlooks.
Tickeron AI Verdict
Based on observable factors such as recent trend consistency, earnings catalysts, and relative stability in market activity, Tickeron’s AI would currently assign a higher probability of favorable positioning to COF over the near term, though outcomes remain subject to broader economic variables and sector rotations.
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.
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 Hold.
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 5 TA indicator(s) are bullish while OMF’s TA Score has 4 bullish TA indicator(s).
- COF’s TA Score: 5 bullish, 5 bearish.
- OMF’s TA Score: 4 bullish, 6 bearish.
Price Growth
COF (@Savings Banks) experienced а +1.18% price change this week, while OMF (@Savings Banks) price change was +0.57% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -1.91%. For the same industry, the average monthly price growth was +3.75%, and the average quarterly price growth was -1.28%.
Reported Earning Dates
COF is expected to report earnings on Jul 21, 2026.
OMF is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Savings Banks (-1.91% 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 | 126B | 6.93B | 1,819% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -14.606 | -7.842 | 186% |
| P/E Ratio | 63.14 | 8.94 | 707% |
| 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 | 40 | 33 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 92 Overvalued | 11 Undervalued | |
PROFIT vs RISK RATING 1..100 | 61 | 45 | |
SMR RATING 1..100 | 4 | 10 | |
PRICE GROWTH RATING 1..100 | 52 | 51 | |
P/E GROWTH RATING 1..100 | 4 | 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 (92) 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 (45) 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 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 (51) in the Finance Or Rental Or Leasing industry is in the same range as COF (52) 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 (4) 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 (%) | 1 day ago 67% | 1 day ago 84% |
| Stochastic ODDS (%) | 1 day ago 62% | 1 day ago 69% |
| Momentum ODDS (%) | 1 day ago 76% | 1 day ago 69% |
| MACD ODDS (%) | 1 day ago 61% | 1 day ago 67% |
| TrendWeek ODDS (%) | 1 day ago 66% | 1 day ago 66% |
| TrendMonth ODDS (%) | 1 day ago 63% | 1 day ago 60% |
| Advances ODDS (%) | 1 day ago 65% | 6 days ago 64% |
| Declines ODDS (%) | 8 days ago 65% | 8 days ago 68% |
| BollingerBands ODDS (%) | 1 day ago 75% | 1 day ago 83% |
| Aroon ODDS (%) | 1 day ago 67% | 1 day 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 82% 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.