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OMF vs SYF
Which Stock Would AI Choose? OneMain Financial (OMF) vs. Synchrony Financial (SYF) Stock Comparison
Key Takeaways
- SYF boasts a larger market capitalization of approximately $28 billion compared to OMF's $7 billion, reflecting greater scale in consumer finance.
- Both stocks delivered earnings beats in their latest quarterly results, with OMF posting EPS of $1.59 (versus $1.54 expected) and SYF at $2.18 (versus $2.02 expected).
- SYF has outperformed over the past year with a 67% return, outpacing OMF's 46%, though OMF leads year-to-date at 9.6% versus 5.4%.
- Analyst price targets indicate upside potential: $68 for OMF and $85 for SYF, signaling positive market sentiment.
- OMF shows higher return on equity (ROE, a measure of profitability relative to shareholders' equity) at 23.8% versus SYF's 21.3%.
- Both face credit risk in a high-interest environment, but OMF's debt-to-equity ratio of 671% highlights elevated leverage compared to peers.
Introduction
OneMain Financial (OMF) and Synchrony Financial (SYF) operate in the competitive consumer finance sector, offering personal loans and credit products amid evolving interest rates and consumer spending trends. This stock comparison analyzes their recent market performance, financial health, and positioning, aiding investors seeking exposure to non-bank lending. Traders focused on relative strength in financials may find value in understanding momentum shifts and valuation differences, particularly as economic indicators influence credit demand and risk appetite.
OMF Overview and Recent Performance
OneMain Financial (OMF), a leading non-prime consumer lender, specializes in personal loans, auto financing, and credit cards through its branch network and digital channels. In recent market activity, the stock has traded around $60, within a 52-week range of $44 to $72, reflecting resilience amid sector volatility. Sentiment has been buoyed by a Q4 earnings beat, with revenue of $1.28 billion and EPS growth of 62% year-over-year, driven by strong origination volumes despite higher funding costs. Recent weeks have seen share price swings, with a noted 14% one-month gain contrasting broader YTD advances, influenced by analyst updates and peer comparisons in personal lending. Elevated net charge-offs (NCO, losses from uncollectible loans) remain a watchpoint, but robust ROE underscores profitability.
SYF Overview and Recent Performance
Synchrony Financial (SYF) provides consumer financing via co-branded credit cards, installment loans, and banking products, partnering with retailers in health, retail, and digital sectors. The stock hovers near $79, in a 52-week range of $46 to $89, supported by steady purchase volume growth. Recent performance includes a Q4 earnings surprise, reporting $3.79 billion in revenue and EPS of $2.18, exceeding forecasts amid resilient consumer spending. Over recent weeks, shares have shown relative strength above key moving averages, fueled by partnerships like those with Walmart and RH, though tempered by interest rate pressures on net interest income (NII, income from interest-bearing assets minus costs). Analyst optimism persists with multiple buy reiterations.
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Head-to-Head Comparison
Both OMF and SYF thrive in consumer credit but differ in models: OMF focuses on unsecured personal loans to non-prime borrowers, yielding higher margins but elevated NCO risk, while SYF emphasizes secured retail partnerships for diversified, lower-risk exposure. Growth drivers include SYF's scale advantage (larger revenue base) versus OMF's nimble origination gains. Recent momentum favors SYF's 67% one-year return, though OMF edges YTD. Risk profiles highlight OMF's high debt/equity versus SYF's balanced book; sentiment is positive for both, with comparable low P/E ratios signaling value in a rate-sensitive sector.
Tickeron AI Verdict
Tickeron's AI models would likely lean toward SYF in the current environment, given its superior long-term momentum, larger market positioning, and diversified revenue streams amid stable consumer trends. While OMF offers compelling ROE and earnings growth, SYF's scale provides greater trend consistency and lower relative volatility, positioning it favorably for probabilistic outperformance over coming quarters.
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 OMF is a Buy 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 6 TA indicator(s) are bullish while SYF’s TA Score has 5 bullish TA indicator(s).
- OMF’s TA Score: 6 bullish, 3 bearish.
- SYF’s TA Score: 5 bullish, 4 bearish.
Price Growth
OMF (@Savings Banks) experienced а +0.97% price change this week, while SYF (@Savings Banks) price change was +1.47% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.12%. For the same industry, the average monthly price growth was +3.49%, and the average quarterly price growth was -4.00%.
Reported Earning Dates
OMF is expected to report earnings on Jul 29, 2026.
SYF is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Savings Banks (-0.12% 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 | 6.73B | 25.5B | 26% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -10.501 | -8.514 | 123% |
| P/E Ratio | 8.68 | 7.84 | 111% |
| Revenue | 5.05B | 15B | 34% |
| Total Cash | N/A | N/A | - |
| Total Debt | 22.4B | 16.4B | 137% |
OMF | SYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 20 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 10 Undervalued | 59 Fair valued | |
PROFIT vs RISK RATING 1..100 | 43 | 38 | |
SMR RATING 1..100 | 10 | 5 | |
PRICE GROWTH RATING 1..100 | 48 | 48 | |
P/E GROWTH RATING 1..100 | 75 | 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 (10) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for SYF (59). This means that OMF’s stock grew somewhat faster than SYF’s over the last 12 months.
SYF's Profit vs Risk Rating (38) in the Finance Or Rental Or Leasing industry is in the same range as OMF (43). This means that SYF’s stock grew similarly to OMF’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.
SYF's Price Growth Rating (48) in the Finance Or Rental Or Leasing industry is in the same range as OMF (48). This means that SYF’s stock grew similarly to OMF’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 (75). This means that SYF’s stock grew similarly to OMF’s over the last 12 months.
| OMF | SYF | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 60% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 72% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 72% | 2 days ago 68% |
| TrendWeek ODDS (%) | 2 days ago 66% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 60% | 2 days ago 66% |
| Advances ODDS (%) | 2 days ago 64% | 2 days ago 63% |
| Declines ODDS (%) | 21 days ago 69% | 23 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 83% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 58% | 2 days ago 68% |
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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.