The Motley Fool compared OneMain and Upstart, concluding Upstart is the better buy for 2026 due to its expected 36% revenue rise to more than $1.4 billion, versus OneMain's expected 10% increase. OneMain, which focuses on nonprime borrowers through 1,300 branches, reported fiscal 2025 revenue of nearly $6.2 billion and net income of approximately $783 million, but faces higher delinquency risks. Upstart, an AI-driven lending platform connecting consumers with over 100 banks and credit unions, saw revenue surge nearly 59% to nearly $1.1 billion and returned to profitability with net income of roughly $53.6 million. Valuation metrics show OneMain trades at a forward P/E of 7.8x compared to Upstart's 35.1x, yet the analysis favors Upstart's growth trajectory and slightly higher-quality customer base.
Upstart Holdings IncExpected 36% revenue growth to over $1.4 billion in 2026, driven by AI lending platform connecting consumers with banks.
JPMorgan Chase & Co
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OneMain Holdings IncArticle concludes Upstart is a better buy than OneMain for 2026, citing higher revenue growth and lower delinquency risk.