Bank of America Corp (BAC)vsOneMain Holdings Inc (OMF)
BAC
Bank of America Corp
$53.46
+1.10%
FINANCIAL SERVICES · Cap: $377.03B
OMF
OneMain Holdings Inc
$57.91
-1.23%
FINANCIAL SERVICES · Cap: $6.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 3586% more annual revenue ($109.59B vs $2.97B). BAC leads profitability with a 29.0% profit margin vs 26.3%. OMF appears more attractively valued with a PEG of 0.75. OMF earns a higher WallStSmart Score of 85/100 (A).
BAC
Exceptional Buy82
out of 100
Grade: A-
OMF
Exceptional Buy85
out of 100
Grade: A
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 36.0%
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Strong operational efficiency at 33.7%
Earnings expanding 63.7% YoY
Every $100 of equity generates 24 in profit
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 29.0% and operating margin at 36.0%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : OMF
The strongest argument for OMF centers on P/E Ratio, Operating Margin, EPS Growth. Profitability is solid with margins at 26.3% and operating margin at 33.7%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : OMF
No major red flags identified for OMF, but monitor valuation.
Key Dynamics to Monitor
OMF carries more volatility with a beta of 1.26 — expect wider price swings.
OMF is growing revenue faster at 12.2% — sustainability is the question.
OMF generates stronger free cash flow (865M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OMF scores higher overall (85/100 vs 82/100), backed by strong 26.3% margins and 12.2% revenue growth. Both earn "Exceptional Buy" and "Exceptional Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bank of America Corp
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.
Visit Website →OneMain Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OneMain Holdings, Inc., a financial services holding company, is in the consumer finance and insurance businesses. The company is headquartered in Evansville, Indiana.
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