Capital One Financial Corporation (COF)vsOneMain Holdings Inc (OMF)
COF
Capital One Financial Corporation
$184.64
+0.35%
FINANCIAL SERVICES · Cap: $112.86B
OMF
OneMain Holdings Inc
$53.08
-0.34%
FINANCIAL SERVICES · Cap: $6.27B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 1003% more annual revenue ($32.78B vs $2.97B). OMF leads profitability with a 26.3% profit margin vs 7.5%. COF appears more attractively valued with a PEG of 0.19. OMF earns a higher WallStSmart Score of 85/100 (A).
COF
Strong Buy75
out of 100
Grade: B+
OMF
Exceptional Buy85
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.8%
Fair Value
$142.20
Current Price
$184.64
$42.44 premium
Margin of Safety
+80.5%
Fair Value
$307.01
Current Price
$53.08
$253.93 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 51.6% year-over-year
Large-cap with strong market position
Strong operational efficiency at 22.9%
Earnings expanding 22.2% YoY
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
ROE of 2.4% — below average capital efficiency
7.5% margin — thin
Premium valuation, high expectations priced in
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 51.6% demonstrates continued momentum. PEG of 0.19 suggests the stock is reasonably priced for its growth.
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 : COF
The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 54.0x leaves little room for execution misses.
Bear Case : OMF
No major red flags identified for OMF, but monitor valuation.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while OMF is a mature play — different risk/reward profiles.
OMF carries more volatility with a beta of 1.29 — expect wider price swings.
COF is growing revenue faster at 51.6% — sustainability is the question.
COF generates stronger free cash flow (6.7B), providing more financial flexibility.
Bottom Line
OMF scores higher overall (85/100 vs 75/100), backed by strong 26.3% margins and 12.2% revenue growth. Both earn "Exceptional Buy" and "Strong 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.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
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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