OMF vs UPST
OMF: OneMain Financial provides personal loans, auto financing, and credit cards to nonprime consumers through a nationwide branch network and digital platform, managing $26.3 billion in customer receivables. UPST: AI-powered marketplace that reimagines consumer lending through proprietary machine learning models to deliver higher approval rates and lower interest rates than traditional FICO-based systems.
Side-by-side fundamentals
| Metric | OMF | UPST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $59.82 | $28.64 | |
| Market cap as of 2026-07-23 | $6.9B | $2.7B | |
| P/E as of 2026-07-23 | 8.67 | 55.49 | OMF lower |
| PEG as of 2026-07-23 | 0.66 | 1.72 | OMF lower |
| Net margin as of 2026-07-23 | +12.6% | +4.3% | OMF higher |
| Gross margin as of 2026-07-23 | +79.8% | +82.2% | UPST higher |
| Operating margin as of 2026-07-23 | +16.1% | +4.1% | OMF higher |
| ROE as of 2026-07-23 | +23.6% | +7.3% | OMF higher |
| ROA as of 2026-07-23 | +2.9% | +2.0% | OMF higher |
| Debt / equity as of 2026-07-23 | 6.63 | 2.29 | UPST lower |
| Revenue growth (YoY) as of 2026-07-23 | +7.8% | +57.7% | UPST higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +7.4% | |
| Dividend yield as of 2026-07-23 | +7.0% | n/a | |
| Dividend streak (yrs) SEC XBRL | 4 | n/a | |
| Beta as of 2026-07-23 | 1.21 | 2.21 | |
| 1-year return as of 2026-07-22 close | +3.6% | -64.2% | OMF higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.