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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 has delivered stronger year-to-date performance compared to OMF, with positive returns amid broader market conditions.
- Both companies operate in consumer finance but target different segments: COF focuses on credit cards and diversified banking, while OMF specializes in personal loans for nonprime borrowers.
- Recent analyst activity has included multiple price target adjustments and rating changes for COF, reflecting ongoing market interest.
- OMF offers a higher dividend yield, providing income potential that contrasts with COF's growth-oriented profile.
- COF benefits from greater scale and diversified revenue streams, while OMF maintains a more concentrated exposure to unsecured consumer lending.
- Market sentiment toward COF shows relative resilience in recent weeks, supported by earnings visibility ahead of its Q2 2026 report.
Introduction
This comparison examines COF (Capital One Financial Corporation) and OMF (OneMain Holdings, Inc.), two financial services companies with exposure to consumer credit. Investors and traders seeking to understand relative positioning within the consumer finance sector may find this analysis relevant. The review focuses on observable performance metrics, business models, and recent market activity to highlight key contrasts without projecting future outcomes. Both stocks trade on major exchanges and attract attention from those monitoring sector trends, earnings developments, and risk profiles in the current environment.
COF Overview and Recent Performance
Capital One Financial Corporation (COF) provides credit cards, auto financing, and banking services to a broad consumer base. In recent weeks, the stock has traded within a range influenced by broader market movements and sector-specific factors. As of the July 17, 2026 close, shares stood at $208.03. Year-to-date returns reached approximately 13.5 percent. The company reported first-quarter 2026 net income of $2.2 billion. Upcoming second-quarter results, scheduled for release on July 21, 2026, have drawn analyst attention, with several firms adjusting price targets in recent sessions. Sentiment has reflected steady interest amid ongoing earnings visibility and capital return programs.
OMF Overview and Recent Performance
OneMain Holdings, Inc. (OMF) specializes in personal loans and credit products primarily for nonprime consumers. In recent market activity, the stock has experienced more muted performance relative to broader indices. As of the July 17, 2026 close, shares traded at $60.30. Year-to-date returns showed a decline of roughly 7.3 percent. First-quarter 2026 results included diluted earnings per share of $1.93. The company maintains a focus on its core lending operations, with recent emphasis on credit quality metrics. Market positioning reflects exposure to consumer borrowing trends, with dividend distributions providing a notable feature for income-oriented observers.
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Head-to-Head Comparison
COF operates at greater scale with diversified revenue from credit cards and banking, contrasting with OMF's narrower focus on personal installment loans. Growth drivers for COF include broader consumer spending patterns, while OMF depends more directly on nonprime credit demand. Recent momentum has favored COF on a relative basis, supported by analyst coverage and earnings updates. Risk factors differ: COF faces regulatory and interest-rate considerations common to large banks, whereas OMF encounters higher credit-loss exposure typical of subprime lending. Sector exposure centers on consumer finance for both, yet COF offers additional diversification. Market sentiment appears comparatively constructive toward COF amid recent target revisions, while OMF trades with emphasis on its yield profile.
Tickeron AI Verdict
Based on observable factors such as recent relative performance consistency, scale advantages, and analyst positioning, Tickeron’s AI would currently assign a higher probabilistic preference to COF over OMF. This assessment draws from trend stability and catalyst visibility rather than absolute superiority. Market conditions can shift, and outcomes remain subject to ongoing developments.
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 Buy 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 1 FA rating(s) are green whileOMF’s FA Score has 2 green FA rating(s).
- COF’s FA Score: 1 green, 4 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 4 TA indicator(s) are bullish while OMF’s TA Score has 5 bullish TA indicator(s).
- COF’s TA Score: 4 bullish, 4 bearish.
- OMF’s TA Score: 5 bullish, 4 bearish.
Price Growth
COF (@Savings Banks) experienced а +3.04% price change this week, while OMF (@Savings Banks) price change was +4.75% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.02%. For the same industry, the average monthly price growth was -7.19%, and the average quarterly price growth was +2.44%.
Reported Earning Dates
COF is expected to report earnings on Oct 22, 2026.
OMF is expected to report earnings on Oct 28, 2026.
Industries' Descriptions
@Savings Banks (-0.02% 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 | 128B | 7.2B | 1,778% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -13.059 | -3.816 | 342% |
| P/E Ratio | 11.52 | 9.44 | 122% |
| 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 | 83 | 27 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 40 Fair valued | 11 Undervalued | |
PROFIT vs RISK RATING 1..100 | 56 | 41 | |
SMR RATING 1..100 | 4 | 10 | |
PRICE GROWTH RATING 1..100 | 49 | 46 | |
P/E GROWTH RATING 1..100 | 100 | 63 | |
SEASONALITY SCORE 1..100 | 65 | 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 in the same range as COF (40) in the Major Banks industry. This means that OMF’s stock grew similarly to COF’s over the last 12 months.
OMF's Profit vs Risk Rating (41) in the Finance Or Rental Or Leasing industry is in the same range as COF (56) 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 (46) in the Finance Or Rental Or Leasing industry is in the same range as COF (49) in the Major Banks industry. This means that OMF’s stock grew similarly to COF’s over the last 12 months.
OMF's P/E Growth Rating (63) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for COF (100) in the Major Banks industry. This means that OMF’s stock grew somewhat faster than COF’s over the last 12 months.
| COF | OMF | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 69% | 2 days ago 85% |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 59% |
| Momentum ODDS (%) | 2 days ago 76% | 2 days ago 63% |
| MACD ODDS (%) | 2 days ago 69% | 2 days ago 77% |
| TrendWeek ODDS (%) | 2 days ago 66% | 2 days ago 67% |
| TrendMonth ODDS (%) | 2 days ago 65% | 2 days ago 62% |
| Advances ODDS (%) | 5 days ago 65% | 3 days ago 64% |
| Declines ODDS (%) | 10 days ago 65% | 10 days ago 68% |
| BollingerBands ODDS (%) | 2 days ago 78% | 2 days ago 77% |
| Aroon ODDS (%) | 2 days ago 64% | 2 days ago 55% |
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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.