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Nelnet, Inc. (NNI) vs OneMain Holdings, Inc. (OMF)

Nelnet, Inc. and OneMain Holdings, Inc. are both Credit Services companies. OneMain Holdings, Inc. is the larger, with a market value of $6.5B against $4.5B — 1.4× the size. OneMain Holdings, Inc. trades at the lower P/E: 8.7× against 16.8×. OneMain Holdings, Inc. grew revenue faster over the last twelve months: 7.88% against −6.25%. OneMain Holdings, Inc. has the higher net margin (11.8% vs 0.00%) and the higher return on invested capital (2.29% vs 0.00%). Both pay a dividend; OneMain Holdings, Inc. yields more (7.37% vs 1.04%). Across the 18 metrics below, OneMain Holdings, Inc. leads on 13 and Nelnet, Inc. on 5.

Valuation

Metric NNI OMF Credit Services median
P/E 16.82 8.67 8.96
P/S 2.16 1.00 1.00
P/B 1.26 1.93 1.23
Price to free cash flow 12.33 2.03 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.94% 11.53% 7.17%
Free cash flow yield 8.11% 49.33% 11.75%

Profitability

Metric NNI OMF Credit Services median
Gross margin 78.28% 79.82% 76.61%
Operating margin 0.00% 0.00% 0.34%
Net margin 0.00% 11.76% 8.35%
Free cash flow margin 0.00% 49.26% 8.73%
Return on equity 7.55% 22.66% 9.05%
Return on assets 1.94% 2.75% 1.94%
Return on invested capital 0.00% 2.29% 4.56%

Growth

Metric NNI OMF Credit Services median
Revenue growth (TTM) (6.25%) 7.88% 4.49%
EPS growth (last fiscal year) 134.86% 54.72% 21.94%
Revenue growth, 5-year CAGR 5.45% 4.76% 9.22%
Net income growth, 5-year CAGR 3.98% 1.41% 0.00%

Health

Metric NNI OMF Credit Services median
Debt to equity 1.87 7.10 0.69
Current ratio 0.00 0.00 1.26
Net debt to EBITDA 0.00 0.00 0.11

Dividend

Metric NNI OMF Credit Services median
Dividend yield 1.04% 7.37% 1.64%
Payout ratio 0.17 0.64 0.21

Size

Metric NNI OMF Credit Services median
Market cap 4.54b 6.50b 759.73m

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