OMF
Outperforming without a clear catalyst yet
- OMF +2.01% on the last session vs SPY +0.10%: +1.9 pts of stock-specific move.
- Market backdrop (Today): Core PPI m/m 1.3% vs 0.3% expected (hotter); Core Retail Sales m/m 0.9% vs 0.6% expected (stronger); S&P futures -0.08%, 10-year yield -3bp in the 30 minutes after.
Bargain & stretch prices
Prices OMF only reaches with set odds, from its own recent swings. Odds, not a forecast.
| Today | Next 5 sessions | |
|---|---|---|
| Stretch sell side |
55.38 +1.4% ↑ more often after a big drop
reached 3 in 10 days · 31% vs usual 28% reached today |
56.31 +3.0% ↑ more often after a big drop
reached 3 in 10 weeks · 31% vs usual 30% |
| Now | 55.74 · prior close 54.64 | |
| Bargain buy side |
53.91 -1.3% reached 3 in 10 days |
53.02 -3.0% reached 3 in 10 weeks |
More patient or more eager
| Bargain | Reached | Stretch | Reached | |
|---|---|---|---|---|
| Today | ||||
| Patient | 53.68 | 2 in 10 days | 55.62 | 2 in 10 days↑ 20% vs 17% |
| Balanced | 53.91 | 3 in 10 days | 55.38 | 3 in 10 days↑ 31% vs 28% |
| Eager | 54.13 | 4 in 10 days | 55.15 | 5 in 10 days↑ 49% vs 45% |
| Next 5 sessions | ||||
| Patient | 52.51 | 2 in 10 weeks | 56.86 | 2 in 10 weeks |
| Balanced | 53.02 | 3 in 10 weeks | 56.31 | 3 in 10 weeks↑ 31% vs 30% |
| Eager | 53.51 | 4 in 10 weeks | 55.80 | 5 in 10 weeks↑ 49% vs 48% |
"3 in 10 days" means the price was reached on about 3 of every 10 days like this one. Patient prices are further away and come less often; eager ones are closer and come more often. From OMF's daily swings (about 1.4% a day lately), anchored on the Oct 14 close. The odds were measured on 10 years of S&P 500 prices (they move about 3 points from year to year with the market: bargain prices come more often in falling years, stretch prices in rising ones), and where a situation below changed them consistently (in at least 8 of 10 years), they are adjusted and marked. In those tests, waiting for the bargain price did no better on average than buying at the close: what you save when it comes, you pay when it doesn't.
Situations on the Oct 14 close
- Stretch price, next session: reached 31% of days instead of the usual 28% (held in 9 of 10 years)
- Stretch price, next 5 sessions: reached 31% of weeks instead of the usual 30% (held in 8 of 10 years)
| Date | That day | 1 week on | 1 month on | 3 months on |
|---|---|---|---|---|
| Sep 23, 2026 | -3.1% | -3.2% | — | — |
| Sep 15, 2026 | -2.6% | -4.0% | -11.2% | — |
| Sep 1, 2026 | -2.2% | +2.4% | -8.6% | — |
| Aug 20, 2026 | -3.9% | +3.5% | -2.0% | — |
| Jun 30, 2026 | -2.2% | -6.1% | +4.0% | -6.1% |
| Jun 8, 2026 | -2.3% | +6.7% | +8.8% | +19.0% |
| May 11, 2026 | -3.4% | +0.7% | +2.5% | +21.7% |
| May 1, 2026 | -3.7% | -0.9% | -1.8% | +16.5% |
Big drop and big gain: among OMF's own worst or best 10% of daily moves, as on the Aftermath tab. The past times are history: in our tests, how a stock did after its earlier times did not predict the next one, and across the S&P 500 none of these situations leaned up or down except, weakly, an all-time high followed by a big drop. Not advice.
Price ladder
| All-time and 52-week closing high Jan 6, 2026 |
67.63 +21.3% |
| 50-day average | 60.66 +8.8% |
| 200-day average | 57.63 +3.4% |
| Stretch, next 5 sessions | 56.31 +1.0% |
| Now | 55.74 |
| Previous close Oct 14, 2026 |
54.64 -2.0% |
| Bargain, next 5 sessions | 53.02 -4.9% |
| 52-week closing low Mar 16, 2026 |
47.56 -14.7% |
Closing prices (all-time = the 13 years Yahoo has). Percentages are the distance from now. These are levels people watch, not levels the price has to respect. Not advice.