SLM [SLM] vs OneMain Holdings [OMF] Detailed Stock Comparison

SLM Corporation

NASDAQ
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OneMain Holdings Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: SLM Corporation wins in 9 metrics, OneMain Holdings Inc. wins in 10 metrics, with 0 ties. OneMain Holdings Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric SLM Corporation OneMain Holdings Inc. Better
P/E Ratio (TTM) 6.59 8.98 SLM Corporation
Price-to-Book Ratio 2.06 2.03 OneMain Holdings Inc.
Debt-to-Equity Ratio 240.19 671.07 SLM Corporation
PEG Ratio 0.05 0.14 SLM Corporation
Profit Margin (TTM) 45.10% 26.34% SLM Corporation
Operating Margin (TTM) 66.82% 33.65% SLM Corporation
EBITDA Margin (TTM) 66.82% 33.65% SLM Corporation
Return on Equity 32.31% 23.76% SLM Corporation
Return on Assets (TTM) 2.49% 2.94% OneMain Holdings Inc.
Free Cash Flow (TTM) $-398.58M $3.13B OneMain Holdings Inc.
Dividend Yield 2.35% 7.31% OneMain Holdings Inc.
1-Year Return -31.67% 6.69% OneMain Holdings Inc.
Price-to-Sales Ratio (TTM) 2.73 2.33 OneMain Holdings Inc.
Enterprise Value $6.36B $28.81B OneMain Holdings Inc.
EV/Revenue Ratio 3.85 9.69 SLM Corporation
Revenue per Share (TTM) $8 $25 OneMain Holdings Inc.
Earnings per Share (Diluted) $3.46 $6.56 OneMain Holdings Inc.
Beta (Stock Volatility) 1.06 1.26 SLM Corporation
Short % of Float 13.52% 4.29% OneMain Holdings Inc.

SLM Corporation vs OneMain Holdings Inc. Stock Performance Analysis

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SLM
OMF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SLM Corporation-1.95%-0.14%-2.04%16.30%-25.96%-19.55%
OneMain Holdings Inc.-2.04%1.36%-1.21%-1.98%-13.53%-21.07%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SLM Corporation-31.67%36.12%11.04%213.76%280.07%14.20%
OneMain Holdings Inc.6.69%35.40%-6.56%86.86%173.81%173.81%

Performance & Financial Health Analysis: SLM Corporation vs OneMain Holdings Inc.

MetricSLMOMF
Market Information
Market Cap i$4.64B$6.95B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i3,147,4651,336,380
90 Day Avg. Volume i3,531,9751,567,323
Last Close$21.62$53.41
52 Week Range$17.77 - $34.97$45.78 - $71.93
% from 52W High-38.18%-25.75%
All-Time High$34.97 (Jul 08, 2025)$71.93 (Jan 09, 2026)
% from All-Time High-38.18%-25.75%
Growth Metrics
Quarterly Revenue Growth0.68%0.12%
Quarterly Earnings Growth1.09%0.62%
Financial Health
Profit Margin (TTM) i0.45%0.26%
Operating Margin (TTM) i0.67%0.34%
Return on Equity (TTM) i0.32%0.24%
Debt to Equity (MRQ) i240.19671.07
Cash & Liquidity
Book Value per Share (MRQ)$11.04$29.02
Cash per Share (MRQ)$21.65$7.80
Operating Cash Flow (TTM) i$-398,580,992$3.13B
Levered Free Cash Flow (TTM) i$729.12M$783.00M
Dividends
Last 12-Month Dividend Yield i2.35%7.31%
Last 12-Month Dividend i$0.65$4.18

Valuation & Enterprise Metrics Analysis: SLM Corporation vs OneMain Holdings Inc.

MetricSLM (Apr 24, 2026)OMF (Apr 23, 2026)
Price Ratios
P/E Ratio (TTM) i6.598.98
Forward P/E i6.996.66
PEG Ratio i0.050.14
Price to Sales (TTM) i2.732.33
Price to Book (MRQ) i2.062.03
Market Capitalization
Market Capitalization i$4.64B$6.95B
Enterprise Value i$6.36B$28.81B
Enterprise Value Metrics
Enterprise to Revenue i3.859.69
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.061.26
Book Value per Share (MRQ) i$11.04$29.02

Financial Statements Comparison: SLM Corporation vs OneMain Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSLM (2025)OMF (2025)
Revenue/Sales i1.98B4.97B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i992.56M1.00B
Pre-Tax Income % of Revenue i50.0%20.1%
Income Tax i247.72M218.00M
Income Tax % of Revenue i12.5%4.4%
Net Income (Profit) i744.85M783.00M
Profit Margin i37.5%15.8%

Balance Sheet & Liquidity Metrics

MetricSLM (2025)OMF (2025)
Cash & Equivalents i4.24B738.00M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i5.36B22.69B
Long-Term Debt % of Revenue i270.2%456.6%
Total Shareholders Equity i2.45B3.40B
Retained Earnings i4.73B2.58B
Retained Earnings % of Revenue i238.6%51.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSLM (2025)OMF (2025)
Operating Cash Flow i-420.80M1.15B
Operating Cash Flow % of Revenue i-21.2%23.0%
Capital Expenditures iN/AN/A
Free Cash Flow i-398.58M3.13B
FCF Margin i-20.1%63.0%
Debt Repayment i-2.32B-6.82B
Common Stock Repurchase i-368.74M-141.00M

Short Interest & Institutional Ownership Analysis

MetricSLMOMF
Shares Short i22.61M4.48M
Short Ratio i5.512.58
Short % of Float i13.52%4.29%
Shares Outstanding i199.27M117.20M
Float Shares i196.09M116.51M
% Held by Insiders i1.23%0.35%
% Held by Institutions i109.08%94.28%
% Held by Public i-10.31%5.37%

Dividend Analysis & Yield Comparison: SLM Corporation vs OneMain Holdings Inc.

MetricSLMOMF
Last 12-Month Dividend i$0.65$4.18
Last 12-Month Dividend Yield i2.35%7.31%
3-Year Avg Annual Dividend i$0.52$4.11
3-Year Avg Dividend Yield i0.55%2.12%
3-Year Total Dividends i$1.55$12.34
Ex-Dividend DateMar 05, 2026Feb 17, 2026