OneMain Holdings [OMF] vs Credit Acceptance [CACC] Detailed Stock Comparison

OneMain Holdings

NYSE
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Credit Acceptance

NASDAQ
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: OneMain Holdings wins in 6 metrics, Credit Acceptance wins in 11 metrics, with 0 ties. Credit Acceptance appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricOneMain HoldingsCredit AcceptanceBetter
P/E Ratio (TTM)10.1214.03OneMain Holdings
Price-to-Book Ratio2.013.51OneMain Holdings
Debt-to-Equity Ratio663.05416.24Credit Acceptance
PEG Ratio0.07-0.05Credit Acceptance
EV/EBITDAN/A31.50N/A
Profit Margin (TTM)24.07%36.18%Credit Acceptance
Operating Margin (TTM)33.19%40.19%Credit Acceptance
EBITDA Margin (TTM)33.19%40.19%Credit Acceptance
Return on Equity20.50%27.30%Credit Acceptance
Return on Assets (TTM)2.57%5.00%Credit Acceptance
Free Cash Flow (TTM)$2.70B$1.14BOneMain Holdings
Dividend Yield5.82%N/AN/A
1-Year Return19.43%9.72%OneMain Holdings
Price-to-Sales Ratio (TTM)2.424.65OneMain Holdings
Enterprise Value$27.96B$11.86BOneMain Holdings
EV/Revenue Ratio10.1410.11Credit Acceptance
Gross Profit Margin (TTM)N/A61.50%N/A
Revenue per Share (TTM)$23$97Credit Acceptance
Earnings per Share (Diluted)$5.55$34.62Credit Acceptance
Beta (Stock Volatility)1.281.20Credit Acceptance
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

OneMain Holdings vs Credit Acceptance Stock Performance Analysis

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OneMain Holdings
Credit Acceptance
OneMain Holdings Stock Overview | Credit Acceptance Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OneMain Holdings-1.26%-4.01%-9.41%-5.97%25.59%8.41%
Credit Acceptance1.32%5.98%-6.51%-8.43%-2.20%4.44%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OneMain Holdings19.43%78.89%54.33%19.60%178.17%178.17%
Credit Acceptance9.72%9.60%37.32%119.95%731.67%3,139.07%

News Based Sentiment: OneMain Holdings vs Credit Acceptance

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.

View OneMain Holdings News Sentiment Analysis

Credit Acceptance

News based Sentiment: MIXED

September presented a mixed bag for Credit Acceptance, with a positive financing extension countered by an earnings miss, insider selling, and a stock price decline. While institutional investors maintain confidence, the conflicting signals create uncertainty and require careful monitoring of upcoming earnings and loan performance.

View Credit Acceptance News Sentiment Analysis

Performance & Financial Health Analysis: OneMain Holdings vs Credit Acceptance

MetricOMFCACC
Market Information
Market Cap i$7.01B$5.57B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i1,129,695141,170
90 Day Avg. Volume i921,602129,990
Last Close$55.48$492.28
52 Week Range$38.00 - $63.25$414.16 - $560.00
% from 52W High-12.28%-12.09%
All-Time High$63.25 (Sep 05, 2025)$703.27 (Nov 01, 2021)
% from All-Time High-12.28%-30.00%
Growth Metrics
Quarterly Revenue Growth0.33%1.59%
Quarterly Earnings Growth1.35%0.08%
Financial Health
Profit Margin (TTM) i0.24%0.36%
Operating Margin (TTM) i0.33%0.40%
Return on Equity (TTM) i0.21%0.27%
Debt to Equity (MRQ) i663.05416.24
Cash & Liquidity
Book Value per Share (MRQ)$27.98$138.35
Cash per Share (MRQ)$6.47$6.23
Operating Cash Flow (TTM) i$2.87B$1.11B
Levered Free Cash Flow (TTM) i$509.00M$10.14B
Dividends
Last 12-Month Dividend Yield i5.82%N/A
Last 12-Month Dividend i$3.12N/A

Valuation & Enterprise Metrics Analysis: OneMain Holdings vs Credit Acceptance

MetricOMFCACC
Price Ratios
P/E Ratio (TTM) i10.1214.03
Forward P/E i8.1013.54
PEG Ratio i0.07-0.05
Price to Sales (TTM) i2.424.65
Price to Book (MRQ) i2.013.51
Market Capitalization
Market Capitalization i$7.01B$5.57B
Enterprise Value i$27.96B$11.86B
Enterprise Value Metrics
Enterprise to Revenue i10.1410.11
Enterprise to EBITDA iN/A31.50
Risk & Other Metrics
Beta i1.281.20
Book Value per Share (MRQ) i$27.98$138.35

Financial Statements Comparison: OneMain Holdings vs Credit Acceptance

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)OMFCACC
Revenue/Sales i$1.22B$562.30M
Cost of Goods Sold iN/A$219.40M
Gross Profit iN/A$342.90M
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$134.10M
EBITDA iN/A$142.20M
Pre-Tax Income i$214.00M$141.70M
Income Tax i$47.00M$35.40M
Net Income (Profit) i$167.00M$106.30M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)OMFCACC
Cash & Equivalents i$488.00M$528.80M
Total Current Assets iN/A$9.12B
Total Current Liabilities iN/A$521.00M
Long-Term Debt i$21.49B$6.71B
Total Shareholders Equity i$3.28B$1.71B
Retained Earnings i$2.38B$1.36B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)OMFCACC
Operating Cash Flow i$307.00M$156.30M
Capital Expenditures iN/A$-300,000
Free Cash Flow i$665.00M$345.90M
Debt Repayment i$-1.45B$-803.40M
Common Stock Repurchase i$-16.00M$-164.40M

Short Interest & Institutional Ownership Analysis

MetricOMFCACC
Shares Short i5.36M687,869
Short Ratio i6.715.88
Short % of Float i0.05%0.17%
Average Daily Volume (10 Day) i1,129,695141,170
Average Daily Volume (90 Day) i921,602129,990
Shares Outstanding i119.36M12.05M
Float Shares i118.20M7.21M
% Held by Insiders i0.00%0.47%
% Held by Institutions i0.93%0.68%

Dividend Analysis & Yield Comparison: OneMain Holdings vs Credit Acceptance

MetricOMFCACC
Last 12-Month Dividend i$3.12N/A
Last 12-Month Dividend Yield i5.82%N/A
3-Year Avg Annual Dividend i$3.69N/A
3-Year Avg Dividend Yield i2.25%N/A
3-Year Total Dividends i$11.06N/A
Ex-Dividend DateFeb 12, 2025N/A