OneMain Holdings Inc (OMF)vsVisa Inc. Class A (V)
OMF
OneMain Holdings Inc
$53.08
-0.34%
FINANCIAL SERVICES · Cap: $6.27B
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 1292% more annual revenue ($41.39B vs $2.97B). V leads profitability with a 50.2% 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
V
Strong Buy68
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
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 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
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate 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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : OMF
No major red flags identified for OMF, but monitor valuation.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
OMF carries more volatility with a beta of 1.29 — expect wider price swings.
V is growing revenue faster at 14.6% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OMF scores higher overall (85/100 vs 68/100), backed by strong 26.3% margins and 12.2% revenue growth. V offers better value entry with a 17.4% 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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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