SLM [SLM] vs OneMain Holdings [OMF] Detailed Stock Comparison
SLM
NASDAQ
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OneMain Holdings
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: SLM wins in 8 metrics, OneMain Holdings wins in 10 metrics, with 0 ties. OneMain Holdings appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | SLM | OneMain Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.37 | 10.12 | OneMain Holdings |
| Price-to-Book Ratio | 2.70 | 2.01 | OneMain Holdings |
| Debt-to-Equity Ratio | 269.94 | 663.05 | SLM |
| PEG Ratio | -0.19 | 0.07 | SLM |
| Profit Margin (TTM) | 36.64% | 24.07% | SLM |
| Operating Margin (TTM) | 34.38% | 33.19% | SLM |
| EBITDA Margin (TTM) | 34.38% | 33.19% | SLM |
| Return on Equity | 18.99% | 20.50% | OneMain Holdings |
| Return on Assets (TTM) | 1.51% | 2.57% | OneMain Holdings |
| Free Cash Flow (TTM) | $-329.40M | $2.70B | OneMain Holdings |
| Dividend Yield | 1.92% | 5.82% | OneMain Holdings |
| 1-Year Return | 21.05% | 19.43% | SLM |
| Price-to-Sales Ratio (TTM) | 4.76 | 2.42 | OneMain Holdings |
| Enterprise Value | $8.26B | $27.96B | OneMain Holdings |
| EV/Revenue Ratio | 6.85 | 10.14 | SLM |
| Revenue per Share (TTM) | $6 | $23 | OneMain Holdings |
| Earnings per Share (Diluted) | $2.06 | $5.55 | OneMain Holdings |
| Beta (Stock Volatility) | 1.12 | 1.28 | SLM |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
SLM vs OneMain Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| SLM | -1.56% | -1.29% | -10.75% | -18.66% | 0.66% | 0.73% |
| OneMain Holdings | -1.26% | -4.01% | -9.41% | -5.97% | 25.59% | 8.41% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SLM | 21.05% | 77.86% | 214.50% | 289.67% | 583.62% | 47.48% |
| OneMain Holdings | 19.43% | 78.89% | 54.33% | 19.60% | 178.17% | 178.17% |
News Based Sentiment: SLM vs OneMain Holdings
SLM
News based Sentiment: MIXED
October was a month of conflicting signals for SLM, with an earnings miss offset by a revenue beat, a strategic shift towards higher-quality loans, and a generally positive analyst outlook tempered by insider selling and a declining stock price. The company is navigating a challenging environment, making it a cautiously optimistic investment.
OneMain Holdings
News based Sentiment: MIXED
October brought a mix of positive and negative signals for OneMain Holdings, with analyst upgrades and a potential rebound signal countered by recent stock declines and ongoing securitization activity. The overall narrative suggests a potentially attractive, but volatile, investment opportunity.
Performance & Financial Health Analysis: SLM vs OneMain Holdings
| Metric | SLM | OMF |
|---|---|---|
| Market Information | ||
| Market Cap | $5.85B | $7.01B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 3,219,710 | 1,129,695 |
| 90 Day Avg. Volume | 2,976,910 | 921,602 |
| Last Close | $27.12 | $55.48 |
| 52 Week Range | $21.10 - $34.97 | $38.00 - $63.25 |
| % from 52W High | -22.45% | -12.28% |
| All-Time High | $34.97 (Jul 08, 2025) | $63.25 (Sep 05, 2025) |
| % from All-Time High | -22.45% | -12.28% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.49% | 0.33% |
| Quarterly Earnings Growth | -0.72% | 1.35% |
| Financial Health | ||
| Profit Margin (TTM) | 0.37% | 0.24% |
| Operating Margin (TTM) | 0.34% | 0.33% |
| Return on Equity (TTM) | 0.19% | 0.21% |
| Debt to Equity (MRQ) | 269.94 | 663.05 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $10.19 | $27.98 |
| Cash per Share (MRQ) | $19.87 | $6.47 |
| Operating Cash Flow (TTM) | $-393,662,016 | $2.87B |
| Levered Free Cash Flow (TTM) | $590.03M | $509.00M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.92% | 5.82% |
| Last 12-Month Dividend | $0.63 | $3.12 |
Valuation & Enterprise Metrics Analysis: SLM vs OneMain Holdings
| Metric | SLM | OMF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.37 | 10.12 |
| Forward P/E | 9.18 | 8.10 |
| PEG Ratio | -0.19 | 0.07 |
| Price to Sales (TTM) | 4.76 | 2.42 |
| Price to Book (MRQ) | 2.70 | 2.01 |
| Market Capitalization | ||
| Market Capitalization | $5.85B | $7.01B |
| Enterprise Value | $8.26B | $27.96B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.85 | 10.14 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.12 | 1.28 |
| Book Value per Share (MRQ) | $10.19 | $27.98 |
Financial Statements Comparison: SLM vs OneMain Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | SLM | OMF |
|---|---|---|
| Revenue/Sales | $403.60M | $1.22B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $87.63M | $214.00M |
| Income Tax | $16.36M | $47.00M |
| Net Income (Profit) | $71.27M | $167.00M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SLM | OMF |
|---|---|---|
| Cash & Equivalents | $3.70B | $488.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $6.15B | $21.49B |
| Total Shareholders Equity | $2.40B | $3.28B |
| Retained Earnings | $4.39B | $2.38B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SLM | OMF |
|---|---|---|
| Operating Cash Flow | $16.04M | $307.00M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $-146.05M | $665.00M |
| Debt Repayment | $-788.84M | $-1.45B |
| Common Stock Repurchase | $-29.70M | $-16.00M |
Short Interest & Institutional Ownership Analysis
| Metric | SLM | OMF |
|---|---|---|
| Shares Short | 14.28M | 5.36M |
| Short Ratio | 5.58 | 6.71 |
| Short % of Float | 0.08% | 0.05% |
| Average Daily Volume (10 Day) | 3,219,710 | 1,129,695 |
| Average Daily Volume (90 Day) | 2,976,910 | 921,602 |
| Shares Outstanding | 210.38M | 119.36M |
| Float Shares | 206.28M | 118.20M |
| % Held by Insiders | 0.01% | 0.00% |
| % Held by Institutions | 1.11% | 0.93% |
Dividend Analysis & Yield Comparison: SLM vs OneMain Holdings
| Metric | SLM | OMF |
|---|---|---|
| Last 12-Month Dividend | $0.63 | $3.12 |
| Last 12-Month Dividend Yield | 1.92% | 5.82% |
| 3-Year Avg Annual Dividend | $0.50 | $3.69 |
| 3-Year Avg Dividend Yield | 0.58% | 2.25% |
| 3-Year Total Dividends | $1.51 | $11.06 |
| Ex-Dividend Date | Sep 04, 2025 | Feb 12, 2025 |