OneMain Holdings Inc (OMF)vsPayPal Holdings Inc (PYPL)
OMF
OneMain Holdings Inc
$55.36
+0.14%
FINANCIAL SERVICES · Cap: $6.55B
PYPL
PayPal Holdings Inc
$41.29
+0.70%
FINANCIAL SERVICES · Cap: $36.63B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 1010% more annual revenue ($33.73B vs $3.04B). OMF leads profitability with a 26.2% profit margin vs 15.0%. PYPL appears more attractively valued with a PEG of 0.75. OMF earns a higher WallStSmart Score of 77/100 (B+).
OMF
Strong Buy77
out of 100
Grade: B+
PYPL
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Earnings declined 6.2%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : OMF
The primary concerns for OMF are Debt/Equity. Debt-to-equity of 6.63 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
OMF profiles as a mature stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.34 — expect wider price swings.
OMF is growing revenue faster at 9.1% — sustainability is the question.
PYPL generates stronger free cash flow (911M), providing more financial flexibility.
Bottom Line
OMF scores higher overall (77/100 vs 72/100), backed by strong 26.2% margins. Both earn "Strong 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.
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.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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