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OneMain Holdings, Inc. (OMF) vs Synchrony Financial (SYF)

OneMain Holdings, Inc. and Synchrony Financial are both Credit Services companies. Synchrony Financial is the larger, with a market value of $24.1B against $6.4B — 3.8× the size. Synchrony Financial trades at the lower P/E: 7.5× against 8.4×. OneMain Holdings, Inc. grew revenue faster over the last twelve months: 7.04% against 0.13%. Synchrony Financial has the higher net margin (14.8% vs 12.3%) and the higher return on invested capital (16.8% vs 2.45%). Both pay a dividend; OneMain Holdings, Inc. yields more (7.51% vs 1.68%). Across the 19 metrics below, Synchrony Financial leads on 10 and OneMain Holdings, Inc. on 9.

Valuation

Metric OMF SYF Credit Services median
P/E 8.43 7.47 9.39
P/S 1.01 1.05 0.86
P/B 1.91 1.61 1.16
Price to free cash flow 1.99 2.52 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.87% 13.38% 6.55%
Free cash flow yield 50.33% 39.71% 12.26%

Profitability

Metric OMF SYF Credit Services median
Gross margin 79.74% 83.05% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 12.26% 14.82% 9.25%
Free cash flow margin 50.72% 41.83% 12.91%
Return on equity 23.28% 22.23% 8.49%
Return on assets 2.89% 2.83% 2.16%
Return on invested capital 2.45% 16.83% 4.09%

Growth

Metric OMF SYF Credit Services median
Revenue growth (TTM) 7.04% 0.13% 4.62%
EPS growth (last fiscal year) 54.72% 8.54% 21.94%
Revenue growth, 5-year CAGR 4.76% 7.02% 9.13%
Net income growth, 5-year CAGR 1.41% 20.90% 0.00%

Health

Metric OMF SYF Credit Services median
Debt to equity 6.73 0.97 0.68
Current ratio 0.00 1.22 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric OMF SYF Credit Services median
Dividend yield 7.51% 1.68% 1.64%
Payout ratio 0.63 0.13 0.22

Size

Metric OMF SYF Credit Services median
Market cap 6.42b 24.09b 751.08m

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