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