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OMF vs SYF
Which Stock Would AI Choose? OneMain Holdings (OMF) vs. Synchrony Financial (SYF) Stock Comparison
Key Takeaways
- OneMain Holdings (OMF) is a non-prime consumer lender focused on personal and auto loans, while Synchrony Financial (SYF) is a leading U.S. issuer of private-label and co-branded credit cards.
- Both stocks trade at single-digit forward price-to-earnings (P/E) ratios, reflecting investor caution about consumer credit quality across the sector.
- OMF offers a substantially higher dividend yield (roughly 7% versus under 2% for SYF), while SYF operates with a far larger market capitalization and balance sheet.
- Both names have declined year to date, though their long-term, multi-year returns remain strongly positive.
- Rising net charge-offs (loan losses) and delinquency trends are a shared headwind influencing sentiment in recent market activity.
Introduction
Consumer finance stocks often move together, yet the businesses behind them can be quite different. This stock comparison examines OMF, OneMain Holdings, and SYF, Synchrony Financial, two established lenders that serve different ends of the U.S. credit spectrum. Both companies are sensitive to interest rates, unemployment, and borrower repayment behavior, making their relative performance a useful gauge of credit-cycle positioning. Value-oriented investors may be drawn to OMF's high dividend yield, while those seeking scale and exposure to retail and digital card partnerships may find SYF more relevant. Understanding how each firm's business model, momentum, and risk profile differ can help traders and longer-term investors assess which name better suits current market conditions.
OMF Overview and Recent Performance
OneMain Holdings is a consumer finance company that originates, underwrites, and services personal loans, auto finance, and credit cards, largely for non-prime borrowers, through a nationwide branch network as well as digital channels. Its lending focus on higher-yield, unsecured and secured consumer credit supports robust net interest income (NII), the earnings a lender generates from interest on its loans after funding costs.
In recent weeks, OMF has traded well below its 52-week high, with the share price down notably on a year-to-date basis. Sentiment has been shaped by credit-quality signals: net charge-offs, which represent loans written off as uncollectible, have risen compared with the prior year, and provisions for loan losses have remained elevated. Partly offsetting these concerns, the company continues to generate solid earnings, has beaten consensus estimates in recent quarters, and maintains an active share-repurchase program. A dividend yield near 7% and a single-digit P/E multiple underscore its value-oriented profile, even as investors weigh the durability of credit performance into 2026.
SYF Overview and Recent Performance
Synchrony Financial is a consumer financial services company and one of the largest issuers of private-label and co-branded credit cards in the United States, partnering with retailers, healthcare providers, and digital platforms. Its model relies on partnerships and broad-scale card programs rather than a physical branch network, giving it a diversified stream of interest income and fee revenue.
Recent market activity for SYF has been choppy, with the stock also trading below its earlier 52-week high and posting a year-to-date decline. Investors have focused on the trajectory of net charge-offs and net interest margin as the company manages through a maturing credit cycle, while its heavy investment in digital tools, data analytics, and AI has been cited by analysts as a potential source of operating efficiency. The company has a much larger market capitalization than OMF, a modest dividend yield under 2%, and a similarly low forward P/E ratio, reflecting a broader re-rating of consumer finance names in recent months.
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Head-to-Head Comparison
The most important contrast between these two lenders is their business model. OMF concentrates on non-prime personal and auto lending, which produces high yields but also higher credit risk and a larger allowance for loan losses. SYF operates at greater scale through credit-card partnerships, serving a broader consumer base with a more diversified revenue mix. This difference shows up in market positioning: SYF is a mid-cap-to-large-cap financial with a market value several times OMF's, while OMF stands out for income-oriented investors through its much higher dividend yield.
On growth drivers, OMF has been expanding into credit cards and auto finance alongside acquisitions, while SYF leans on co-branded and private-label card growth plus digital and AI investments. Risk factors overlap, however: both are exposed to unemployment trends and borrower stress, and both have reported rising net charge-offs in recent periods. In terms of relative performance, neither stock has escaped the sector's year-to-date weakness, though their multi-year returns remain positive and both trade at discounted earnings multiples relative to historical norms.
Tickeron AI Verdict
Based on observable trend consistency, stability, and relative positioning, Tickeron's AI would likely tilt toward the name showing steadier momentum and more diversified earnings support. In the current environment, that profile leans toward SYF, given its larger, more diversified card-based revenue base, broader partnership network, and lower balance-sheet concentration in a single lending segment. That said, OMF's substantial dividend yield, value-oriented valuation, and active capital returns could make it more attractive to income-focused strategies. The verdict is probabilistic rather than definitive: AI-driven signals favor SYF on stability and diversification, while OMF may appeal where yield and valuation carry greater weight.
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 OMF is a StrongBuy and SYF is a Hold.
OMF's RSI Indicator recovers from oversold territory
The RSI Oscillator for OMF moved out of oversold territory on October 15, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 30 similar instances when the indicator left oversold territory. In 24 of the 30 cases the stock moved higher. This puts the odds of a move higher at 80%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 21, 2026. You may want to consider a long position or call options on OMF as a result. In 59 of 83 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 71%.
The Moving Average Convergence Divergence (MACD) for OMF just turned positive on October 12, 2026. Looking at past instances where OMF's MACD turned positive, the stock continued to rise in 28 of 41 cases over the following month. The odds of a continued upward trend are 68%.
Following a +1.95% 3-day Advance, the price is estimated to grow further. Considering data from situations where OMF advanced for three days, in 214 of 335 cases, the price rose further within the following month. The odds of a continued upward trend are 64%.
OMF may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
The 10-day moving average for OMF crossed bearishly below the 50-day moving average on September 21, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 10 of 19 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 53%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where OMF declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 68%.
The Aroon Indicator for OMF entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 7 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 23 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.933) is normal, around the industry mean (3.748). P/E Ratio (8.533) is within average values for comparable stocks, (5.859). Projected Growth (PEG Ratio) (0.050) is also within normal values, averaging (3.918). Dividend Yield (0.074) settles around the average of (0.393) among similar stocks. P/S Ratio (1.391) is also within normal values, averaging (5.901).
The Tickeron Profit vs. Risk Rating rating for this company is 47 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 78, placing this stock slightly better than average.
The Tickeron Price Growth Rating for this company is 57 (best 1 - 100 worst), indicating steady price growth. OMF’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 60 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
Momentum Indicator for SYF turns positive, indicating new upward trend
SYF saw its Momentum Indicator move above the 0 level on October 12, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 81 similar instances where the indicator turned positive. In 63 of the 81 cases, the stock moved higher in the following days. The odds of a move higher are at 78%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where SYF's RSI Oscillator exited the oversold zone, 22 of 29 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 76%.
The Moving Average Convergence Divergence (MACD) for SYF just turned positive on October 07, 2026. Looking at past instances where SYF's MACD turned positive, the stock continued to rise in 26 of 40 cases over the following month. The odds of a continued upward trend are 65%.
Following a +2.36% 3-day Advance, the price is estimated to grow further. Considering data from situations where SYF advanced for three days, in 211 of 332 cases, the price rose further within the following month. The odds of a continued upward trend are 64%.
SYF may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 40 of 61 cases where SYF's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 66%.
The 10-day moving average for SYF crossed bearishly below the 50-day moving average on September 18, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 13 of 16 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 81%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SYF declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 66%.
The Aroon Indicator for SYF entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 30 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.588) is normal, around the industry mean (3.748). P/E Ratio (7.524) is within average values for comparable stocks, (5.859). Projected Growth (PEG Ratio) (0.876) is also within normal values, averaging (3.918). Dividend Yield (0.018) settles around the average of (0.393) among similar stocks. P/S Ratio (1.753) is also within normal values, averaging (5.901).
The Tickeron Profit vs. Risk Rating rating for this company is 40 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 78, placing this stock slightly better than average.
The Tickeron PE Growth Rating for this company is 50 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 52 (best 1 - 100 worst), indicating steady price growth. SYF’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
OMF | SYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 22 | 29 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 23 Undervalued | 30 Undervalued | |
PROFIT vs RISK RATING 1..100 | 47 | 40 | |
SMR RATING 1..100 | 7 | 4 | |
PRICE GROWTH RATING 1..100 | 57 | 52 | |
P/E GROWTH RATING 1..100 | 60 | 50 | |
SEASONALITY SCORE 1..100 | 85 | 75 |
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 (23) in the Finance Or Rental Or Leasing industry is in the same range as SYF (30). This means that OMF’s stock grew similarly to SYF’s over the last 12 months.
SYF's Profit vs Risk Rating (40) in the Finance Or Rental Or Leasing industry is in the same range as OMF (47). This means that SYF’s stock grew similarly to OMF’s over the last 12 months.
SYF's SMR Rating (4) in the Finance Or Rental Or Leasing industry is in the same range as OMF (7). This means that SYF’s stock grew similarly to OMF’s over the last 12 months.
SYF's Price Growth Rating (52) in the Finance Or Rental Or Leasing industry is in the same range as OMF (57). This means that SYF’s stock grew similarly to OMF’s over the last 12 months.
SYF's P/E Growth Rating (50) in the Finance Or Rental Or Leasing industry is in the same range as OMF (60). This means that SYF’s stock grew similarly to OMF’s over the last 12 months.
| OMF | SYF | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 80% | 1 day ago 76% |
| Stochastic ODDS (%) | 1 day ago 62% | 1 day ago 66% |
| Momentum ODDS (%) | 1 day ago 71% | 1 day ago 78% |
| MACD ODDS (%) | 1 day ago 68% | 1 day ago 65% |
| TrendWeek ODDS (%) | 1 day ago 67% | 1 day ago 68% |
| TrendMonth ODDS (%) | 1 day ago 62% | 1 day ago 65% |
| Advances ODDS (%) | 1 day ago 64% | 1 day ago 64% |
| Declines ODDS (%) | 11 days ago 68% | 9 days ago 66% |
| BollingerBands ODDS (%) | 1 day ago 80% | 1 day ago 72% |
| Aroon ODDS (%) | 1 day ago 53% | 1 day ago 62% |
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 overvalued. 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 2 FA rating(s) are green while SYF’s FA Score has 2 green FA rating(s).
- OMF’s FA Score: 2 green, 3 red.
- SYF’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.
OMF’s TA Score shows that 5 TA indicator(s) are bullish while SYF’s TA Score has 5 bullish TA indicator(s).
- OMF’s TA Score: 5 bullish, 4 bearish.
- SYF’s TA Score: 5 bullish, 4 bearish.
Price Growth
OMF (@Savings Banks) experienced а +2.37% price change this week, while SYF (@Savings Banks) price change was +3.33% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -1.54%. For the same industry, the average monthly price growth was -4.88%, and the average quarterly price growth was -7.78%.
Reported Earning Dates
OMF is expected to report earnings on Oct 30, 2026.
SYF is expected to report earnings on Jan 22, 2027.
Industries' Descriptions
@Savings Banks (-1.54% 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.
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SYF and
Correlation & Price change
A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.