OneMain Holdings Inc (OMF)vsVisa Inc. Class A (V)
OMF
OneMain Holdings Inc
$62.75
+1.11%
FINANCIAL SERVICES · Cap: $7.28B
V
Visa Inc. Class A
$375.33
+1.32%
FINANCIAL SERVICES · Cap: $691.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 1373% more annual revenue ($44.49B vs $3.02B). V leads profitability with a 50.8% profit margin vs 25.9%. OMF appears more attractively valued with a PEG of 0.75. V earns a higher WallStSmart Score of 68/100 (B-).
OMF
Buy65
out of 100
Grade: C+
V
Strong Buy68
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%
Mega-cap, among the largest globally
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
Areas to Watch
Revenue declined 2.7%
Earnings declined 5.9%
Elevated debt levels
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 19.9x book value
Grey zone — moderate 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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
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 : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
OMF profiles as a declining stock while V is a mature play — different risk/reward profiles.
OMF carries more volatility with a beta of 1.19 — expect wider price swings.
V is growing revenue faster at 14.4% — sustainability is the question.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 65/100), backed by strong 50.8% margins and 14.4% revenue growth. 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.
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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