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 $21.8B against $6.5B — 3.3× the size. OneMain Holdings, Inc. trades at the lower P/E: 8.6× against 32.5×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 7.04%. OneMain Holdings, Inc. has the higher net margin (12.3% vs 11.4%) and the lower return on invested capital (2.45% vs 4.26%). Across the 18 metrics below, OneMain Holdings, Inc. leads on 11 and SoFi Technologies, Inc. on 7.
Valuation
Profitability
| Metric | OMF | SOFI | Credit Services median |
|---|---|---|---|
| Gross margin | 79.74% | 77.13% | 77.13% |
| Operating margin | 0.00% | 0.00% | 0.34% |
| Net margin | 12.26% | 11.39% | 9.25% |
| Free cash flow margin | 50.72% | (157.63%) | 13.03% |
| Return on equity | 23.28% | 7.09% | 8.49% |
| Return on assets | 2.89% | 1.25% | 2.29% |
| Return on invested capital | 2.45% | 4.26% | 4.09% |
Growth
Health
Dividend
Size
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