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OMF vs UPBD
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 UPBD is a Buy.
OMF in upward trend: price may jump up because it broke its lower Bollinger Band on October 14, 2026
OMF may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 30 of 35 cases where OMF's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 86%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where OMF's RSI Oscillator exited the oversold zone, 22 of 30 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 73%.
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 29 of 41 cases over the following month. The odds of a continued upward trend are 71%.
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%.
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
The Momentum Indicator moved below the 0 level on October 23, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on OMF as a result. In 60 of 84 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 71%.
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 23, 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 20 (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 (1.895) is normal, around the industry mean (3.711). P/E Ratio (8.366) is within average values for comparable stocks, (5.636). Projected Growth (PEG Ratio) (0.050) is also within normal values, averaging (3.918). Dividend Yield (0.075) settles around the average of (0.175) 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 51 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 80, 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 63 (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.
UPBD in upward trend: price rose above 50-day moving average on October 22, 2026
UPBD moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend. In 32 of 41 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 78%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 12, 2026. You may want to consider a long position or call options on UPBD as a result. In 54 of 83 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 65%.
The Moving Average Convergence Divergence (MACD) for UPBD just turned positive on October 07, 2026. Looking at past instances where UPBD's MACD turned positive, the stock continued to rise in 29 of 40 cases over the following month. The odds of a continued upward trend are 73%.
Following a +6.78% 3-day Advance, the price is estimated to grow further. Considering data from situations where UPBD advanced for three days, in 184 of 271 cases, the price rose further within the following month. The odds of a continued upward trend are 68%.
Bearish Trend Analysis
The 10-day RSI Indicator for UPBD moved out of overbought territory on October 23, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 24 similar instances where the indicator moved out of overbought territory. In 22 of the 24 cases, the stock moved lower in the following days. This puts the odds of a move lower at 90%.
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
The 50-day moving average for UPBD moved below the 200-day moving average on October 02, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where UPBD 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 73%.
UPBD broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for UPBD 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 Valuation Rating of 41 (best 1 - 100 worst) indicates that the company is fair valued 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 (1.358) is normal, around the industry mean (-1.853). P/E Ratio (10.879) is within average values for comparable stocks, (15.200). Projected Growth (PEG Ratio) (0.380) is also within normal values, averaging (2.824). Dividend Yield (0.091) settles around the average of (0.075) among similar stocks. P/S Ratio (0.220) is also within normal values, averaging (71.128).
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued 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.
The Tickeron Price Growth Rating for this company is 58 (best 1 - 100 worst), indicating fairly steady price growth. UPBD’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 59 (best 1 - 100 worst), pointing to average 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 SMR rating for this company is 62 (best 1 - 100 worst), indicating 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 Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. UPBD’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 94, placing this stock worse than average.
OMF | UPBD | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 20 Undervalued | 41 Fair valued | |
PROFIT vs RISK RATING 1..100 | 51 | 100 | |
SMR RATING 1..100 | 7 | 62 | |
PRICE GROWTH RATING 1..100 | 57 | 58 | |
P/E GROWTH RATING 1..100 | 63 | 59 | |
SEASONALITY SCORE 1..100 | 85 | 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 (20) in the Finance Or Rental Or Leasing industry is in the same range as UPBD (41). This means that OMF’s stock grew similarly to UPBD’s over the last 12 months.
OMF's Profit vs Risk Rating (51) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for UPBD (100). This means that OMF’s stock grew somewhat faster than UPBD’s over the last 12 months.
OMF's SMR Rating (7) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for UPBD (62). This means that OMF’s stock grew somewhat faster than UPBD’s over the last 12 months.
OMF's Price Growth Rating (57) in the Finance Or Rental Or Leasing industry is in the same range as UPBD (58). This means that OMF’s stock grew similarly to UPBD’s over the last 12 months.
UPBD's P/E Growth Rating (59) in the Finance Or Rental Or Leasing industry is in the same range as OMF (63). This means that UPBD’s stock grew similarly to OMF’s over the last 12 months.
| OMF | UPBD | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 73% | 4 days ago 90% |
| Stochastic ODDS (%) | 4 days ago 56% | 4 days ago 79% |
| Momentum ODDS (%) | 4 days ago 71% | 4 days ago 65% |
| MACD ODDS (%) | 4 days ago 71% | 4 days ago 73% |
| TrendWeek ODDS (%) | 4 days ago 68% | 4 days ago 69% |
| TrendMonth ODDS (%) | 4 days ago 62% | 4 days ago 71% |
| Advances ODDS (%) | 5 days ago 64% | 12 days ago 68% |
| Declines ODDS (%) | 15 days ago 68% | 8 days ago 73% |
| BollingerBands ODDS (%) | 4 days ago 86% | 4 days ago 88% |
| Aroon ODDS (%) | 4 days ago 53% | 4 days ago 79% |
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 UPBD’s FA Score has 0 green FA rating(s).
- OMF’s FA Score: 2 green, 3 red.
- UPBD’s FA Score: 0 green, 5 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 4 TA indicator(s) are bullish while UPBD’s TA Score has 4 bullish TA indicator(s).
- OMF’s TA Score: 4 bullish, 5 bearish.
- UPBD’s TA Score: 4 bullish, 6 bearish.
Price Growth
OMF (@Savings Banks) experienced а -0.41% price change this week, while UPBD (@Packaged Software) price change was +4.34% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -2.02%. For the same industry, the average monthly price growth was -6.53%, and the average quarterly price growth was -9.50%.
The average weekly price growth across all stocks in the @Packaged Software industry was +1.71%. For the same industry, the average monthly price growth was -2.91%, and the average quarterly price growth was +4.63%.
Reported Earning Dates
OMF is expected to report earnings on Oct 30, 2026.
UPBD is expected to report earnings on Oct 29, 2026.
Industries' Descriptions
@Savings Banks (-2.02% 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.
@Packaged Software (+1.71% weekly)Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.
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