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OneMain Holdings, Inc. (OMF) vs SoFi Technologies, Inc. (SOFI)

OneMain Holdings, Inc. and SoFi Technologies, Inc. are both Credit Services companies. SoFi Technologies, Inc. is the larger, with a market value of $20.8B against $6.5B — 3.2× the size. OneMain Holdings, Inc. trades at the lower P/E: 8.7× against 27.8×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 37.6% against 7.88%. SoFi Technologies, Inc. has the higher net margin (12.1% vs 11.8%) and the higher return on invested capital (4.90% vs 2.29%). Across the 16 metrics below, OneMain Holdings, Inc. leads on 10 and SoFi Technologies, Inc. on 6.

Valuation

Metric OMF SOFI Credit Services median
P/E 8.67 27.83 8.96
P/S 1.00 3.41 1.00
P/B 1.93 1.85 1.23
Price to free cash flow 2.03 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.53% 3.59% 7.17%
Free cash flow yield 49.33% (50.36%) 11.75%

Profitability

Metric OMF SOFI Credit Services median
Gross margin 79.82% 77.36% 76.61%
Operating margin 0.00% 0.00% 0.34%
Net margin 11.76% 12.06% 8.35%
Free cash flow margin 49.26% (166.99%) 8.73%
Return on equity 22.66% 7.35% 9.05%
Return on assets 2.75% 1.30% 1.94%
Return on invested capital 2.29% 4.90% 4.56%

Growth

Metric OMF SOFI Credit Services median
Revenue growth (TTM) 7.88% 37.62% 4.49%
EPS growth (last fiscal year) 54.72% 0.00% 21.94%
Revenue growth, 5-year CAGR 4.76% 44.73% 9.22%
Net income growth, 5-year CAGR 1.41% 0.00% 0.00%

Health

Metric OMF SOFI Credit Services median
Debt to equity 7.10 0.34 0.69
Current ratio 0.00 0.00 1.26
Net debt to EBITDA 0.00 0.00 0.11

Dividend

Metric OMF SOFI Credit Services median
Dividend yield 7.37% — 1.64%
Payout ratio 0.64 — 0.21

Size

Metric OMF SOFI Credit Services median
Market cap 6.50b 20.80b 759.73m

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