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OneMain Holdings, Inc. (OMF) vs Sezzle Inc. (SEZL)

OneMain Holdings, Inc. and Sezzle Inc. are both Credit Services companies. OneMain Holdings, Inc. is the larger, with a market value of $6.2B against $5.2B — 1.2× the size. OneMain Holdings, Inc. trades at the lower P/E: 8.4× against 28.9×. Sezzle Inc. grew revenue faster over the last twelve months: 38.9% against 7.88%. Sezzle Inc. has the higher net margin (31.4% vs 11.8%) and the higher return on invested capital (49.8% vs 2.29%). Across the 20 metrics below, Sezzle Inc. leads on 12 and OneMain Holdings, Inc. on 8.

Valuation

Metric OMF SEZL Credit Services median
P/E 8.42 28.95 8.59
P/S 0.97 8.99 0.97
P/B 1.87 18.84 1.20
Price to free cash flow 1.97 13.82 2.41
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.88% 3.45% 8.70%
Free cash flow yield 50.81% 7.23% 12.56%

Profitability

Metric OMF SEZL Credit Services median
Gross margin 79.82% 83.44% 77.36%
Operating margin 0.00% 41.87% 1.73%
Net margin 11.76% 31.39% 8.35%
Free cash flow margin 49.26% 65.06% 16.27%
Return on equity 22.66% 84.34% 9.11%
Return on assets 2.75% 43.03% 1.94%
Return on invested capital 2.29% 49.84% 4.90%

Growth

Metric OMF SEZL Credit Services median
Revenue growth (TTM) 7.88% 38.93% 4.49%
EPS growth (last fiscal year) 54.72% 69.99% 21.94%
Revenue growth, 5-year CAGR 4.76% 50.26% 9.59%
Net income growth, 5-year CAGR 1.41% 0.00% 0.00%

Health

Metric OMF SEZL Credit Services median
Debt to equity 7.10 0.37 0.69
Current ratio 0.00 4.21 1.58
Net debt to EBITDA 0.00 0.38 0.11

Dividend

Metric OMF SEZL Credit Services median
Dividend yield 7.59% — 1.71%
Payout ratio 0.64 — 0.23

Size

Metric OMF SEZL Credit Services median
Market cap 6.22b 5.23b 627.84m

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