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OMF vs UHAL
Which Stock Would AI Choose? OneMain Holdings (OMF) vs. U-Haul Holding Company (UHAL) Stock Comparison
Key Takeaways
- OneMain Holdings (OMF) reported stronger recent quarterly results with an earnings beat, while U-Haul Holding Company (UHAL) has shown more modest year-to-date performance amid sector headwinds.
- OMF trades at a lower valuation multiple with a higher dividend yield compared to UHAL's premium pricing and lower yield profile.
- Recent market activity shows OMF experiencing greater volatility following its earnings release, whereas UHAL has maintained relatively steadier price action in the consumer services space.
- OMF benefits from exposure to consumer credit demand, while UHAL's performance ties more closely to moving and storage trends influenced by housing and relocation activity.
- Both stocks lag broader market benchmarks over the past year, highlighting relative underperformance in their respective sectors.
- AI-driven analysis of trend consistency and recent catalysts points to differentiated positioning, with OMF showing more immediate earnings momentum.
Introduction
This comparison examines OneMain Holdings (OMF) and U-Haul Holding Company (UHAL) to assist traders and investors evaluating opportunities in the consumer finance and rental services sectors. The analysis focuses on business models, recent performance drivers, and market positioning within the current environment. It is particularly relevant for those seeking to understand relative momentum, risk profiles, and sector-specific dynamics in a market influenced by interest rates, consumer spending, and economic indicators. Both companies operate in cyclical industries sensitive to broader economic conditions, making the comparison useful for portfolio diversification considerations and tactical allocation decisions.
OMF Overview and Recent Performance
OneMain Holdings (OMF) operates as a leading provider of personal loans to nonprime consumers through its branch network and digital channels. In recent weeks, the stock has reflected mixed sentiment following its first-quarter 2026 earnings release, which showed adjusted earnings per share of $1.95, exceeding analyst estimates. Revenue grew year-over-year, supported by steady loan demand. Despite the positive results, shares experienced downward pressure amid broader market rotation and interest-rate sensitivity in the financial sector. Over the trailing month, performance turned negative, though year-to-date returns remain positive relative to some peers. Key influences include stable credit quality metrics and a declared quarterly dividend, which have helped anchor investor interest during periods of volatility.
UHAL Overview and Recent Performance
U-Haul Holding Company (UHAL) provides do-it-yourself moving and storage solutions across North America, serving both household and commercial customers through its extensive fleet and facility network. Recent market activity has shown relatively contained price movements, with shares trading near the middle of their 52-week range amid subdued demand trends in the moving industry. Year-to-date returns have been modest, trailing broader equity benchmarks, while one-month performance posted a slight decline. Factors influencing sentiment include ongoing fleet utilization and storage occupancy rates, which remain sensitive to housing market dynamics and seasonal relocation patterns. The company has not reported earnings in the most recent period, contributing to a steadier but less catalyst-driven trading environment compared to financial peers.
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Head-to-Head Comparison
OneMain Holdings (OMF) and U-Haul Holding Company (UHAL) differ markedly in business models, with OMF focused on consumer lending and UHAL on equipment rental and storage services. Growth drivers for OMF center on credit demand and net interest margins, while UHAL relies on utilization rates tied to mobility and housing trends. Recent momentum favors OMF due to its earnings beat and dividend announcement, contrasting with UHAL’s more muted price action absent fresh catalysts. Risk factors include interest-rate exposure and credit losses for OMF versus cyclical demand fluctuations for UHAL. Sector exposure places OMF in financial services and UHAL in industrials/rental leasing. Market sentiment reflects OMF’s valuation discount and higher yield appeal versus UHAL’s premium multiple, creating clear trade-offs for investors balancing income versus growth potential in varying economic scenarios.
Tickeron AI Verdict
Based on observable factors such as recent earnings consistency, trend stability, and relative positioning, Tickeron’s AI would currently assign a higher probabilistic preference to OneMain Holdings (OMF). The company’s earnings beat and dividend provide measurable near-term support, alongside valuation metrics that may offer a buffer in uncertain conditions. U-Haul Holding Company (UHAL) demonstrates steadier but less dynamic characteristics in the absence of comparable catalysts. This assessment reflects pattern recognition across performance data rather than forward projections.
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 Buy and UHAL 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 whileUHAL’s FA Score has 1 green FA rating(s).
- OMF’s FA Score: 2 green, 3 red.
- UHAL’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 UHAL’s TA Score has 6 bullish TA indicator(s).
- OMF’s TA Score: 6 bullish, 3 bearish.
- UHAL’s TA Score: 6 bullish, 4 bearish.
Price Growth
OMF (@Savings Banks) experienced а +0.97% price change this week, while UHAL (@Finance/Rental/Leasing) price change was +0.48% 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%.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.45%. For the same industry, the average monthly price growth was +11.61%, and the average quarterly price growth was +26.77%.
Reported Earning Dates
OMF is expected to report earnings on Jul 29, 2026.
UHAL is expected to report earnings on Aug 12, 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.
@Finance/Rental/Leasing (+0.45% weekly)A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).
| OMF | UHAL | OMF / UHAL | |
| Capitalization | 6.73B | 10.7B | 63% |
| EBITDA | N/A | 1.76B | - |
| Gain YTD | -10.501 | 23.745 | -44% |
| P/E Ratio | 8.68 | 259.92 | 3% |
| Revenue | 5.05B | 6.04B | 84% |
| Total Cash | N/A | 1.79B | - |
| Total Debt | 22.4B | 8.12B | 276% |
OMF | UHAL | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 20 | 30 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 10 Undervalued | 96 Overvalued | |
PROFIT vs RISK RATING 1..100 | 43 | 90 | |
SMR RATING 1..100 | 10 | 91 | |
PRICE GROWTH RATING 1..100 | 48 | 40 | |
P/E GROWTH RATING 1..100 | 75 | 2 | |
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 significantly better than the same rating for UHAL (96). This means that OMF’s stock grew significantly faster than UHAL’s over the last 12 months.
OMF's Profit vs Risk Rating (43) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for UHAL (90). This means that OMF’s stock grew somewhat faster than UHAL’s over the last 12 months.
OMF's SMR Rating (10) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for UHAL (91). This means that OMF’s stock grew significantly faster than UHAL’s over the last 12 months.
UHAL's Price Growth Rating (40) in the Finance Or Rental Or Leasing industry is in the same range as OMF (48). This means that UHAL’s stock grew similarly to OMF’s over the last 12 months.
UHAL's P/E Growth Rating (2) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for OMF (75). This means that UHAL’s stock grew significantly faster than OMF’s over the last 12 months.
| OMF | UHAL | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 78% |
| Stochastic ODDS (%) | 2 days ago 60% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 72% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 72% | 2 days ago 58% |
| TrendWeek ODDS (%) | 2 days ago 66% | 2 days ago 55% |
| TrendMonth ODDS (%) | 2 days ago 60% | 2 days ago 56% |
| Advances ODDS (%) | 2 days ago 64% | 2 days ago 57% |
| Declines ODDS (%) | 21 days ago 69% | 21 days ago 64% |
| BollingerBands ODDS (%) | 2 days ago 83% | 2 days ago 84% |
| Aroon ODDS (%) | 2 days ago 58% | 2 days ago 49% |
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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.