OneMain Holdings Inc (OMF)vsSynchrony Financial (SYF)
OMF
OneMain Holdings Inc
$62.75
+1.11%
FINANCIAL SERVICES · Cap: $7.28B
SYF
Synchrony Financial
$75.99
+0.73%
FINANCIAL SERVICES · Cap: $25.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 228% more annual revenue ($9.91B vs $3.02B). SYF leads profitability with a 35.5% profit margin vs 25.9%. OMF appears more attractively valued with a PEG of 0.75. SYF earns a higher WallStSmart Score of 75/100 (B).
OMF
Buy65
out of 100
Grade: C+
SYF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Strong operational efficiency at 28.6%
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.2%
Every $100 of equity generates 21 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Revenue declined 2.7%
Earnings declined 5.9%
Elevated debt levels
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OMF
The strongest argument for OMF centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 25.9% and operating margin at 28.6%. 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 35.5% and operating margin at 50.2%. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bear Case : OMF
The primary concerns for OMF are Revenue Growth, EPS Growth, Debt/Equity. Debt-to-equity of 6.73 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
OMF profiles as a declining stock while SYF is a value play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.31 — expect wider price swings.
SYF is growing revenue faster at 0.6% — sustainability is the question.
SYF generates stronger free cash flow (2.4B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (75/100 vs 65/100), backed by strong 35.5% 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.
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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