Upstart Holdings [UPST] vs OneMain Holdings [OMF] Detailed Stock Comparison

Upstart Holdings, Inc.

NASDAQ
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OneMain Holdings Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Upstart Holdings, Inc. wins in 2 metrics, OneMain Holdings Inc. wins in 16 metrics, with 0 ties. OneMain Holdings Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Upstart Holdings, Inc. OneMain Holdings Inc. Better
P/E Ratio (TTM) 74.42 8.98 OneMain Holdings Inc.
Price-to-Book Ratio 4.11 2.03 OneMain Holdings Inc.
Debt-to-Equity Ratio 237.46 671.07 Upstart Holdings, Inc.
PEG Ratio -0.10 0.14 OneMain Holdings Inc.
EV/EBITDA 45.63 N/A N/A
Profit Margin (TTM) 4.98% 26.34% OneMain Holdings Inc.
Operating Margin (TTM) 8.88% 33.65% OneMain Holdings Inc.
EBITDA Margin (TTM) 8.88% 33.65% OneMain Holdings Inc.
Return on Equity 7.49% 23.76% OneMain Holdings Inc.
Return on Assets (TTM) 1.74% 2.94% OneMain Holdings Inc.
Free Cash Flow (TTM) $-166.13M $3.13B OneMain Holdings Inc.
Dividend Yield N/A 7.31% N/A
1-Year Return -41.37% 9.33% OneMain Holdings Inc.
Price-to-Sales Ratio (TTM) 2.98 2.33 OneMain Holdings Inc.
Enterprise Value $4.52B $28.81B OneMain Holdings Inc.
EV/Revenue Ratio 4.21 9.69 Upstart Holdings, Inc.
Revenue per Share (TTM) $11 $25 OneMain Holdings Inc.
Earnings per Share (Diluted) $0.45 $6.56 OneMain Holdings Inc.
Beta (Stock Volatility) 2.16 1.26 OneMain Holdings Inc.
Short % of Float 33.29% 4.29% OneMain Holdings Inc.

Upstart Holdings, Inc. vs OneMain Holdings Inc. Stock Performance Analysis

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UPST
OMF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Upstart Holdings, Inc.6.10%4.39%9.66%16.44%-29.73%-29.41%
OneMain Holdings Inc.1.69%6.68%7.75%17.07%-14.18%-16.50%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Upstart Holdings, Inc.-41.37%-18.10%-75.38%-30.82%-30.82%-30.82%
OneMain Holdings Inc.9.33%31.67%0.02%136.69%180.74%180.74%

Performance & Financial Health Analysis: Upstart Holdings, Inc. vs OneMain Holdings Inc.

MetricUPSTOMF
Market Information
Market Cap i$3.21B$6.95B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i4,875,7291,336,380
90 Day Avg. Volume i4,639,5261,567,323
Last Close$32.36$57.67
52 Week Range$23.97 - $87.30$45.78 - $71.93
% from 52W High-62.93%-19.82%
All-Time High$401.49 (Oct 11, 2021)$71.93 (Jan 09, 2026)
% from All-Time High-91.94%-19.82%
Growth Metrics
Quarterly Revenue Growth0.34%0.12%
Quarterly Earnings Growth0.31%0.62%
Financial Health
Profit Margin (TTM) i0.05%0.26%
Operating Margin (TTM) i0.09%0.34%
Return on Equity (TTM) i0.07%0.24%
Debt to Equity (MRQ) i237.46671.07
Cash & Liquidity
Book Value per Share (MRQ)$8.15$29.02
Cash per Share (MRQ)$6.71$7.80
Operating Cash Flow (TTM) i$-147,724,992$3.13B
Levered Free Cash Flow (TTM) i$-275,449,632$783.00M
Dividends
Last 12-Month Dividend Yield iN/A7.31%
Last 12-Month Dividend iN/A$4.18

Valuation & Enterprise Metrics Analysis: Upstart Holdings, Inc. vs OneMain Holdings Inc.

MetricUPST (Apr 26, 2026)OMF (Apr 23, 2026)
Price Ratios
P/E Ratio (TTM) i74.428.98
Forward P/E i10.556.66
PEG Ratio i-0.100.14
Price to Sales (TTM) i2.982.33
Price to Book (MRQ) i4.112.03
Market Capitalization
Market Capitalization i$3.21B$6.95B
Enterprise Value i$4.52B$28.81B
Enterprise Value Metrics
Enterprise to Revenue i4.219.69
Enterprise to EBITDA i45.63N/A
Risk & Other Metrics
Beta i2.161.26
Book Value per Share (MRQ) i$8.15$29.02

Financial Statements Comparison: Upstart Holdings, Inc. vs OneMain Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricUPST (2025)OMF (2025)
Revenue/Sales i1.02B4.97B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i54.33M1.00B
Pre-Tax Income % of Revenue i5.3%20.1%
Income Tax i728,000218.00M
Income Tax % of Revenue i0.1%4.4%
Net Income (Profit) i53.60M783.00M
Profit Margin i5.2%15.8%

Balance Sheet & Liquidity Metrics

MetricUPST (2025)OMF (2025)
Cash & Equivalents i657.45M738.00M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i1.75B22.69B
Long-Term Debt % of Revenue i171.2%456.6%
Total Shareholders Equity i798.82M3.40B
Retained Earnings i-357.56M2.58B
Retained Earnings % of Revenue i-34.9%51.9%
Property, Plant & Equipment i16.41MN/A

Cash Flow Statement Comparison

MetricUPST (2025)OMF (2025)
Operating Cash Flow i-173.12M1.15B
Operating Cash Flow % of Revenue i-16.9%23.0%
Capital Expenditures i-347,000N/A
Free Cash Flow i-166.13M3.13B
FCF Margin i-16.2%63.0%
Debt Repayment i-581.84M-6.82B
Common Stock Repurchase iN/A-141.00M

Short Interest & Institutional Ownership Analysis

MetricUPSTOMF
Shares Short i27.64M4.48M
Short Ratio i5.372.58
Short % of Float i33.29%4.29%
Shares Outstanding i98.03M117.20M
Float Shares i80.18M116.51M
% Held by Insiders i12.93%0.35%
% Held by Institutions i68.01%94.28%
% Held by Public i19.06%5.37%

Dividend Analysis & Yield Comparison: Upstart Holdings, Inc. vs OneMain Holdings Inc.

MetricUPSTOMF
Last 12-Month Dividend iN/A$4.18
Last 12-Month Dividend Yield iN/A7.31%
3-Year Avg Annual Dividend iN/A$4.11
3-Year Avg Dividend Yield iN/A2.12%
3-Year Total Dividends iN/A$12.34
Ex-Dividend DateN/AFeb 17, 2026