Upstart Holdings [UPST] vs OneMain Holdings [OMF] Detailed Stock Comparison
Upstart Holdings
NASDAQ
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OneMain Holdings
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Upstart Holdings wins in 4 metrics, OneMain Holdings wins in 13 metrics, with 0 ties. OneMain Holdings appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Upstart Holdings | OneMain Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | -44.51 | 10.32 | Upstart Holdings |
| Price-to-Book Ratio | 8.53 | 2.05 | OneMain Holdings |
| Debt-to-Equity Ratio | 212.94 | 663.05 | Upstart Holdings |
| PEG Ratio | 0.41 | 0.08 | OneMain Holdings |
| EV/EBITDA | 1,323.82 | N/A | N/A |
| Profit Margin (TTM) | -0.72% | 24.07% | OneMain Holdings |
| Operating Margin (TTM) | 4.65% | 33.19% | OneMain Holdings |
| EBITDA Margin (TTM) | 4.65% | 33.19% | OneMain Holdings |
| Return on Equity | -0.96% | 20.50% | OneMain Holdings |
| Return on Assets (TTM) | -0.49% | 2.57% | OneMain Holdings |
| Free Cash Flow (TTM) | $176.34M | $2.70B | OneMain Holdings |
| Dividend Yield | N/A | 5.82% | N/A |
| 1-Year Return | 46.62% | 19.28% | Upstart Holdings |
| Price-to-Sales Ratio (TTM) | 6.97 | 2.47 | OneMain Holdings |
| Enterprise Value | $7.30B | $28.09B | OneMain Holdings |
| EV/Revenue Ratio | 8.25 | 10.18 | Upstart Holdings |
| Revenue per Share (TTM) | $10 | $23 | OneMain Holdings |
| Earnings per Share (Diluted) | $-0.05 | $5.55 | OneMain Holdings |
| Beta (Stock Volatility) | 2.39 | 1.22 | OneMain Holdings |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Upstart Holdings vs OneMain Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Upstart Holdings | -5.69% | -2.89% | -19.69% | 29.72% | -25.91% | 1.28% |
| OneMain Holdings | 0.09% | 1.77% | 1.87% | 12.52% | 1.98% | 12.33% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Upstart Holdings | 46.62% | 144.27% | 39.67% | 39.67% | 39.67% | 39.67% |
| OneMain Holdings | 19.28% | 59.51% | 94.07% | 30.60% | 188.22% | 188.22% |
Performance & Financial Health Analysis: Upstart Holdings vs OneMain Holdings
| Metric | UPST | OMF |
|---|---|---|
| Market Information | ||
| Market Cap | $6.17B | $6.81B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 9,857,290 | 710,920 |
| 90 Day Avg. Volume | 7,033,197 | 1,082,103 |
| Last Close | $61.58 | $58.22 |
| 52 Week Range | $31.40 - $96.43 | $38.00 - $60.33 |
| % from 52W High | -36.13% | -3.50% |
| All-Time High | $401.49 (Oct 11, 2021) | $63.19 (Jul 19, 2021) |
| % from All-Time High | -84.66% | -7.87% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.91% | 0.33% |
| Quarterly Earnings Growth | 1.02% | 1.35% |
| Financial Health | ||
| Profit Margin (TTM) | -0.01% | 0.24% |
| Operating Margin (TTM) | 0.05% | 0.33% |
| Return on Equity (TTM) | -0.01% | 0.21% |
| Debt to Equity (MRQ) | 212.94 | 663.05 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $7.51 | $27.98 |
| Cash per Share (MRQ) | $4.16 | $6.47 |
| Operating Cash Flow (TTM) | $-65,234,000 | $2.87B |
| Levered Free Cash Flow (TTM) | $-223,471,008 | $509.00M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 5.82% |
| Last 12-Month Dividend | N/A | $3.12 |
Valuation & Enterprise Metrics Analysis: Upstart Holdings vs OneMain Holdings
| Metric | UPST | OMF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | -44.51 | 10.32 |
| Forward P/E | 168.66 | 8.25 |
| PEG Ratio | 0.41 | 0.08 |
| Price to Sales (TTM) | 6.97 | 2.47 |
| Price to Book (MRQ) | 8.53 | 2.05 |
| Market Capitalization | ||
| Market Capitalization | $6.17B | $6.81B |
| Enterprise Value | $7.30B | $28.09B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 8.25 | 10.18 |
| Enterprise to EBITDA | 1,323.82 | N/A |
| Risk & Other Metrics | ||
| Beta | 2.39 | 1.22 |
| Book Value per Share (MRQ) | $7.51 | $27.98 |
Financial Statements Comparison: Upstart Holdings vs OneMain Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | UPST | OMF |
|---|---|---|
| Revenue/Sales | $213.37M | $1.22B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $-2.42M | $214.00M |
| Income Tax | $29,000 | $47.00M |
| Net Income (Profit) | $-2.45M | $167.00M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UPST | OMF |
|---|---|---|
| Cash & Equivalents | $605.37M | $488.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $1.25B | $21.49B |
| Total Shareholders Equity | $676.64M | $3.28B |
| Retained Earnings | $-413.60M | $2.38B |
| Property, Plant & Equipment | $40.56M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UPST | OMF |
|---|---|---|
| Operating Cash Flow | $35.13M | $307.00M |
| Capital Expenditures | $0 | N/A |
| Free Cash Flow | $-19.65M | $665.00M |
| Debt Repayment | $-133.73M | $-1.45B |
| Common Stock Repurchase | N/A | $-16.00M |
Short Interest & Institutional Ownership Analysis
| Metric | UPST | OMF |
|---|---|---|
| Shares Short | 17.53M | 5.01M |
| Short Ratio | 3.10 | 4.13 |
| Short % of Float | 0.21% | 0.05% |
| Average Daily Volume (10 Day) | 9,857,290 | 710,920 |
| Average Daily Volume (90 Day) | 7,033,197 | 1,082,103 |
| Shares Outstanding | 93.47M | 119.36M |
| Float Shares | 84.17M | 118.31M |
| % Held by Insiders | 0.12% | 0.00% |
| % Held by Institutions | 0.66% | 0.93% |
Dividend Analysis & Yield Comparison: Upstart Holdings vs OneMain Holdings
| Metric | UPST | OMF |
|---|---|---|
| Last 12-Month Dividend | N/A | $3.12 |
| Last 12-Month Dividend Yield | N/A | 5.82% |
| 3-Year Avg Annual Dividend | N/A | $3.69 |
| 3-Year Avg Dividend Yield | N/A | 2.25% |
| 3-Year Total Dividends | N/A | $11.06 |
| Ex-Dividend Date | N/A | Feb 12, 2025 |