OneMain Holdings Inc (OMF)vsSynchrony Financial (SYF)
OMF
OneMain Holdings Inc
$53.08
-0.34%
FINANCIAL SERVICES · Cap: $6.27B
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 228% more annual revenue ($9.76B vs $2.97B). SYF leads profitability with a 36.4% profit margin vs 26.3%. OMF appears more attractively valued with a PEG of 0.61. OMF earns a higher WallStSmart Score of 85/100 (A).
OMF
Exceptional Buy85
out of 100
Grade: A
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.5%
Fair Value
$307.01
Current Price
$53.08
$253.93 discount
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$67.63
$111.29 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Generating 2.5B in free cash flow
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.5%.
Bear Case : OMF
No major red flags identified for OMF, but monitor valuation.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
OMF profiles as a mature stock while SYF is a value play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.41 — expect wider price swings.
OMF is growing revenue faster at 12.2% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
OMF scores higher overall (85/100 vs 71/100), backed by strong 26.3% margins and 12.2% revenue growth. SYF offers better value entry with a 59.2% margin of safety. 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.
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.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
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