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Affirm Holdings, Inc. (AFRM) vs OneMain Holdings, Inc. (OMF)

Affirm Holdings, Inc. and OneMain Holdings, Inc. are both Credit Services companies. Affirm Holdings, Inc. is the larger, with a market value of $25.6B against $6.4B — 4.0× the size. OneMain Holdings, Inc. trades at the lower P/E: 8.4× against 13.0×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.2% against 7.04%. Affirm Holdings, Inc. has the higher net margin (45.3% vs 12.3%) and the lower return on invested capital (2.16% vs 2.45%). Across the 20 metrics below, OneMain Holdings, Inc. leads on 11 and Affirm Holdings, Inc. on 9.

Valuation

Metric AFRM OMF Credit Services median
P/E 12.96 8.43 9.39
P/S 5.82 1.01 0.86
P/B 4.52 1.91 1.16
Price to free cash flow 24.99 1.99 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.72% 11.87% 6.55%
Free cash flow yield 4.00% 50.33% 12.26%

Profitability

Metric AFRM OMF Credit Services median
Gross margin 57.41% 79.74% 77.13%
Operating margin 9.79% 0.00% 0.34%
Net margin 45.29% 12.26% 9.25%
Free cash flow margin 23.30% 50.72% 12.91%
Return on equity 45.13% 23.28% 8.49%
Return on assets 14.32% 2.89% 2.16%
Return on invested capital 2.16% 2.45% 4.09%

Growth

Metric AFRM OMF Credit Services median
Revenue growth (TTM) 32.15% 7.04% 4.62%
EPS growth (last fiscal year) 3,586.67% 54.72% 21.94%
Revenue growth, 5-year CAGR 37.39% 4.76% 9.13%
Net income growth, 5-year CAGR 0.00% 1.41% 0.00%

Health

Metric AFRM OMF Credit Services median
Debt to equity 1.82 6.73 0.68
Current ratio 11.80 0.00 1.55
Net debt to EBITDA 15.44 0.00 0.13

Dividend

Metric AFRM OMF Credit Services median
Dividend yield — 7.51% 1.64%
Payout ratio — 0.63 0.22

Size

Metric AFRM OMF Credit Services median
Market cap 25.62b 6.42b 751.08m

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