OneMain Holdings Inc (OMF)vsSynchrony Financial (SYF)
OMF
OneMain Holdings Inc
$55.36
+0.14%
FINANCIAL SERVICES · Cap: $6.55B
SYF
Synchrony Financial
$70.77
+1.73%
FINANCIAL SERVICES · Cap: $24.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 225% more annual revenue ($9.89B vs $3.04B). SYF leads profitability with a 36.4% profit margin vs 26.2%. OMF appears more attractively valued with a PEG of 0.75. SYF earns a higher WallStSmart Score of 77/100 (B+).
OMF
Strong Buy77
out of 100
Grade: B+
SYF
Strong Buy77
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
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
Elevated debt levels
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, 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 : 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 48.0%.
Bear Case : OMF
The primary concerns for OMF are Debt/Equity. Debt-to-equity of 6.63 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
SYF carries more volatility with a beta of 1.32 — expect wider price swings.
OMF is growing revenue faster at 9.1% — sustainability is the question.
SYF generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OMF scores higher overall (77/100 vs 77/100), 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.
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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