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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) and Synchrony Financial (SYF) both operate in consumer finance, targeting personal loans and credit products for different customer segments.
- Recent market activity shows SYF trading near $73 with upcoming second-quarter 2026 earnings on July 21, while OMF trades around $60 following solid first-quarter results.
- SYF benefits from established partnerships in credit cards and installment lending, alongside recent capital return programs including buybacks and dividend increases.
- OMF focuses on nonprime personal loans with physical branch presence, reporting earnings per share growth in recent quarters amid broader sector pressures.
- Both stocks exhibit sensitivity to interest rates, consumer credit trends, and economic conditions affecting borrowing demand and credit quality metrics such as net charge-offs (NCO).
- Relative performance reflects trade-offs between SYF’s scale in revolving credit and OMF’s specialized nonprime lending model.
Introduction
OneMain Holdings (OMF) and Synchrony Financial (SYF) represent two distinct approaches within the consumer financial services sector. Investors and traders seeking exposure to personal lending, credit cards, and installment financing often evaluate these names for their differing customer bases, distribution models, and sensitivity to macroeconomic factors. This comparison highlights key operational contrasts, recent price behavior, and positioning that may appeal to those assessing relative value in the current environment.
OMF Overview and Recent Performance
OneMain Holdings (OMF) provides personal loans and related products primarily to nonprime consumers across the United States through a network of branches and digital channels. The company reported first-quarter 2026 diluted earnings per share of $1.93, with adjusted figures exceeding analyst expectations. In recent weeks, the stock has traded near the $60 level, reflecting broader market caution in consumer lending amid evolving credit conditions. Sentiment has been influenced by steady loan demand in the nonprime segment and management’s focus on responsible lending practices.
SYF Overview and Recent Performance
Synchrony Financial (SYF) offers credit cards, commercial financing, and consumer installment loans through partnerships with retailers and other businesses. The company is scheduled to release second-quarter 2026 results on July 21. Shares have recently traded around $73, supported by prior capital allocation actions including a $6.5 billion share repurchase authorization and dividend adjustments announced after first-quarter results. Recent market activity incorporates anticipation around earnings and ongoing consumer spending patterns.
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Head-to-Head Comparison
OneMain Holdings (OMF) emphasizes direct lending to nonprime borrowers via branches and online, while Synchrony Financial (SYF) leverages extensive partner relationships for revolving credit and installment products. Growth drivers differ: OMF relies on loan origination volume in underserved segments, whereas SYF benefits from scale in retail partnerships and diversified product offerings. Recent momentum has shown OMF benefiting from reported earnings beats, contrasted with SYF’s positioning ahead of its quarterly release. Risk factors include credit quality metrics such as net charge-offs (NCO) for both, with OMF potentially more exposed to nonprime defaults and SYF to partner concentration. Sector exposure centers on consumer discretionary spending and interest rate sensitivity, with market sentiment reflecting caution across financial services amid economic uncertainty.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings stability, and relative positioning, Tickeron’s AI models currently assign a probabilistic edge to Synchrony Financial (SYF) due to its broader partnership network and recent capital return initiatives, though outcomes remain contingent on upcoming earnings and broader credit trends.
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 Buy.
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 2 FA rating(s) are green whileSYF’s FA Score has 1 green FA rating(s).
- OMF’s FA Score: 2 green, 3 red.
- SYF’s FA Score: 1 green, 4 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 7 bullish TA indicator(s).
- OMF’s TA Score: 5 bullish, 4 bearish.
- SYF’s TA Score: 7 bullish, 3 bearish.
Price Growth
OMF (@Savings Banks) experienced а +4.75% price change this week, while SYF (@Savings Banks) price change was +3.96% 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
OMF is expected to report earnings on Oct 28, 2026.
SYF is expected to report earnings on Oct 21, 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.
| OMF | SYF | OMF / SYF | |
| Capitalization | 7.2B | 24.7B | 29% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -3.816 | -8.417 | 45% |
| P/E Ratio | 9.44 | 7.77 | 121% |
| Revenue | 5.12B | 15B | 34% |
| Total Cash | N/A | N/A | - |
| Total Debt | 22.8B | 16.4B | 139% |
OMF | SYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 21 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 11 Undervalued | 42 Fair valued | |
PROFIT vs RISK RATING 1..100 | 41 | 41 | |
SMR RATING 1..100 | 10 | 5 | |
PRICE GROWTH RATING 1..100 | 47 | 51 | |
P/E GROWTH RATING 1..100 | 63 | 60 | |
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 in the same range as SYF (42). This means that OMF’s stock grew similarly to SYF’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 SYF (41). This means that OMF’s stock grew similarly to SYF’s over the last 12 months.
SYF's SMR Rating (5) in the Finance Or Rental Or Leasing industry is in the same range as OMF (10). This means that SYF’s stock grew similarly to OMF’s over the last 12 months.
OMF's Price Growth Rating (47) in the Finance Or Rental Or Leasing industry is in the same range as SYF (51). This means that OMF’s stock grew similarly to SYF’s over the last 12 months.
SYF's P/E Growth Rating (60) in the Finance Or Rental Or Leasing industry is in the same range as OMF (63). This means that SYF’s stock grew similarly to OMF’s over the last 12 months.
| OMF | SYF | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 85% | 3 days ago 64% |
| Stochastic ODDS (%) | 3 days ago 59% | 3 days ago 62% |
| Momentum ODDS (%) | 3 days ago 63% | 3 days ago 77% |
| MACD ODDS (%) | 3 days ago 77% | 3 days ago 71% |
| TrendWeek ODDS (%) | 3 days ago 67% | 3 days ago 68% |
| TrendMonth ODDS (%) | 3 days ago 62% | 3 days ago 67% |
| Advances ODDS (%) | 4 days ago 64% | 6 days ago 64% |
| Declines ODDS (%) | 11 days ago 68% | 13 days ago 67% |
| BollingerBands ODDS (%) | 3 days ago 77% | 3 days ago 69% |
| Aroon ODDS (%) | 3 days ago 55% | 5 days ago 70% |
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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 83% 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.