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Screener Weekly Summary Pricing

OneMain Holdings, Inc. (OMF) vs PayPal Holdings, Inc. (PYPL)

OneMain Holdings, Inc. and PayPal Holdings, Inc. are both Credit Services companies. PayPal Holdings, Inc. is the larger, with a market value of $45.0B against $6.5B — 6.9× the size. OneMain Holdings, Inc. trades at the lower P/E: 8.6× against 10.3×. OneMain Holdings, Inc. grew revenue faster over the last twelve months: 7.04% against 5.69%. PayPal Holdings, Inc. has the higher net margin (14.4% vs 12.3%) and the higher return on invested capital (16.9% vs 2.45%). Across the 21 metrics below, PayPal Holdings, Inc. leads on 11 and OneMain Holdings, Inc. on 10.

Valuation

Metric OMF PYPL Credit Services median
P/E 8.64 10.33 9.64
P/S 1.04 1.41 0.87
P/B 1.96 2.44 1.16
Price to free cash flow 2.04 7.31 2.99
EV/EBITDA n/m 7.34 9.58
EV/Sales 4.52 1.48 2.32
Earnings yield 11.58% 9.68% 6.72%
Free cash flow yield 49.09% 13.68% 12.33%

Profitability

Metric OMF PYPL Credit Services median
Gross margin 79.74% 40.48% 77.13%
Operating margin 0.00% 17.42% 0.34%
Net margin 12.26% 14.36% 9.25%
Free cash flow margin 50.72% 19.35% 13.03%
Return on equity 23.28% 24.50% 8.49%
Return on assets 2.89% 6.03% 2.29%
Return on invested capital 2.45% 16.92% 4.09%

Growth

Metric OMF PYPL Credit Services median
Revenue growth (TTM) 7.04% 5.69% 4.62%
EPS growth (last fiscal year) 54.72% 35.59% —
Revenue growth, 5-year CAGR 4.76% 9.11% 9.13%
Net income growth, 5-year CAGR 1.41% 4.49% 0.00%

Health

Metric OMF PYPL Credit Services median
Debt to equity 6.73 0.68 0.68
Current ratio 0.00 1.29 1.55
Net debt to EBITDA 0.00 (0.06) 0.13

Dividend

Metric OMF PYPL Credit Services median
Dividend yield 9.13% — 3.34%
Payout ratio 0.73 0.00 0.00

Size

Metric OMF PYPL Credit Services median
Market cap 6.52b 45.03b 872.19m

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