OneMain Holdings Inc (OMF)vsVisa Inc. Class A (V)
OMF
OneMain Holdings Inc
$55.36
+0.14%
FINANCIAL SERVICES · Cap: $6.55B
V
Visa Inc. Class A
$323.57
+0.50%
FINANCIAL SERVICES · Cap: $603.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 1315% more annual revenue ($43.03B vs $3.04B). V leads profitability with a 51.7% profit margin vs 26.2%. OMF 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+
V
Strong Buy74
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
Mega-cap, among the largest globally
Every $100 of equity generates 62 in profit
Keeps 52 of every $100 in revenue as profit
Strong operational efficiency at 67.3%
17.1% revenue growth
Earnings expanding 35.5% YoY
Areas to Watch
Elevated debt levels
Moderate valuation
Trading at 17.4x 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, 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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.
Bear Case : OMF
The primary concerns for OMF are Debt/Equity. Debt-to-equity of 6.63 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are P/E Ratio, Price/Book, Altman Z-Score.
Key Dynamics to Monitor
OMF profiles as a mature stock while V is a growth play — different risk/reward profiles.
OMF carries more volatility with a beta of 1.21 — expect wider price swings.
V is growing revenue faster at 17.1% — sustainability is the question.
V generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
OMF scores higher overall (77/100 vs 74/100), 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.
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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