Capital One Financial Corporation (COF)vsOneMain Holdings Inc (OMF)
COF
Capital One Financial Corporation
$180.67
-1.38%
FINANCIAL SERVICES · Cap: $114.40B
OMF
OneMain Holdings Inc
$55.36
+0.14%
FINANCIAL SERVICES · Cap: $6.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 1094% more annual revenue ($36.31B vs $3.04B). OMF leads profitability with a 26.2% profit margin vs 8.9%. COF appears more attractively valued with a PEG of 0.20. OMF earns a higher WallStSmart Score of 77/100 (B+).
COF
Buy65
out of 100
Grade: C+
OMF
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 46.3% year-over-year
Large-cap with strong market position
Strong operational efficiency at 28.6%
Generating 5.5B in free cash flow
Attractively priced relative to earnings
Strong operational efficiency at 37.4%
Every $100 of equity generates 24 in profit
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
ROE of 2.9% — below average capital efficiency
Weak financial health signals
Premium valuation, high expectations priced in
Earnings declined 3.2%
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 46.3% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.
Bull Case : OMF
The strongest argument for OMF centers on P/E Ratio, Operating Margin, Return on Equity. Profitability is solid with margins at 26.2% and operating margin at 37.4%. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : COF
The primary concerns for COF are Return on Equity, Piotroski F-Score, P/E Ratio. A P/E of 56.6x leaves little room for execution misses.
Bear Case : OMF
The primary concerns for OMF are Debt/Equity. Debt-to-equity of 6.63 is elevated, increasing financial risk.
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 1.21 — expect wider price swings.
COF is growing revenue faster at 46.3% — sustainability is the question.
COF generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
OMF scores higher overall (77/100 vs 65/100), backed by strong 26.2% margins. Both earn "Strong Buy" and "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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