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

OneMain Holdings Inc.

NYSE
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Credit Acceptance Corporation

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: OneMain Holdings Inc. wins in 8 metrics, Credit Acceptance Corporation wins in 10 metrics, with 0 ties. Credit Acceptance Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric OneMain Holdings Inc. Credit Acceptance Corporation Better
P/E Ratio (TTM) 8.98 14.33 OneMain Holdings Inc.
Price-to-Book Ratio 2.03 3.65 OneMain Holdings Inc.
Debt-to-Equity Ratio 671.07 417.17 Credit Acceptance Corporation
PEG Ratio 0.14 -1.47 OneMain Holdings Inc.
EV/EBITDA N/A 16.34 N/A
Profit Margin (TTM) 26.34% 34.24% Credit Acceptance Corporation
Operating Margin (TTM) 33.65% 46.66% Credit Acceptance Corporation
EBITDA Margin (TTM) 33.65% 46.66% Credit Acceptance Corporation
Return on Equity 23.76% 25.90% Credit Acceptance Corporation
Return on Assets (TTM) 2.94% 4.85% Credit Acceptance Corporation
Free Cash Flow (TTM) $3.13B $1.05B OneMain Holdings Inc.
Dividend Yield 7.31% N/A N/A
1-Year Return 9.33% 13.09% Credit Acceptance Corporation
Price-to-Sales Ratio (TTM) 2.33 4.64 OneMain Holdings Inc.
Enterprise Value $28.81B $11.94B OneMain Holdings Inc.
EV/Revenue Ratio 9.69 9.64 Credit Acceptance Corporation
Gross Profit Margin (TTM) N/A 63.34% N/A
Revenue per Share (TTM) $25 $108 Credit Acceptance Corporation
Earnings per Share (Diluted) $6.56 $36.38 Credit Acceptance Corporation
Beta (Stock Volatility) 1.26 1.32 OneMain Holdings Inc.
Short % of Float 4.29% 28.73% OneMain Holdings Inc.

OneMain Holdings Inc. vs Credit Acceptance Corporation Stock Performance Analysis

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OMF
CACC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OneMain Holdings Inc.1.69%6.68%7.75%17.07%-14.18%-16.50%
Credit Acceptance Corporation4.50%1.80%4.56%28.85%23.44%26.19%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OneMain Holdings Inc.9.33%31.67%0.02%136.69%180.74%180.74%
Credit Acceptance Corporation13.09%10.84%32.59%227.27%614.57%1,914.52%

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

MetricOMFCACC
Market Information
Market Cap i$6.95B$5.71B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i1,336,380155,458
90 Day Avg. Volume i1,567,323173,586
Last Close$57.67$572.79
52 Week Range$45.78 - $71.93$401.90 - $579.80
% from 52W High-19.82%-1.21%
All-Time High$71.93 (Jan 09, 2026)$703.27 (Nov 01, 2021)
% from All-Time High-19.82%-18.55%
Growth Metrics
Quarterly Revenue Growth0.12%0.02%
Quarterly Earnings Growth0.62%-0.20%
Financial Health
Profit Margin (TTM) i0.26%0.34%
Operating Margin (TTM) i0.34%0.47%
Return on Equity (TTM) i0.24%0.26%
Debt to Equity (MRQ) i671.07417.17
Cash & Liquidity
Book Value per Share (MRQ)$29.02$142.66
Cash per Share (MRQ)$7.80$2.12
Operating Cash Flow (TTM) i$3.13B$1.05B
Levered Free Cash Flow (TTM) i$783.00M$4.29B
Dividends
Last 12-Month Dividend Yield i7.31%N/A
Last 12-Month Dividend i$4.18N/A

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

MetricOMF (Apr 23, 2026)CACC (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.9814.33
Forward P/E i6.6610.12
PEG Ratio i0.14-1.47
Price to Sales (TTM) i2.334.64
Price to Book (MRQ) i2.033.65
Market Capitalization
Market Capitalization i$6.95B$5.71B
Enterprise Value i$28.81B$11.94B
Enterprise Value Metrics
Enterprise to Revenue i9.699.64
Enterprise to EBITDA iN/A16.34
Risk & Other Metrics
Beta i1.261.32
Book Value per Share (MRQ) i$29.02$142.66

Financial Statements Comparison: OneMain Holdings Inc. vs Credit Acceptance Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricOMF (2025)CACC (2025)
Revenue/Sales i4.97B2.29B
Cost of Goods Sold iN/A871.70M
COGS % of Revenue i0.0%38.1%
Gross Profit iN/A1.42B
Gross Margin i0.0%61.9%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A619.90M
Operating Margin i0.0%27.1%
EBITDA iN/A730.30M
EBITDA Margin i0.0%31.9%
Pre-Tax Income i1.00B565.40M
Pre-Tax Income % of Revenue i20.1%24.7%
Income Tax i218.00M141.50M
Income Tax % of Revenue i4.4%6.2%
Net Income (Profit) i783.00M423.90M
Profit Margin i15.8%18.5%

Balance Sheet & Liquidity Metrics

MetricOMF (2025)CACC (2025)
Cash & Equivalents i738.00M22.80M
Total Current Assets iN/A8.49B
Total Current Assets % of Revenue i0.0%370.9%
Total Current Liabilities iN/A400.20M
Total Current Liabilities % of Revenue i0.0%17.5%
Long-Term Debt i22.69B6.35B
Long-Term Debt % of Revenue i456.6%277.7%
Total Shareholders Equity i3.40B1.52B
Retained Earnings i2.58B1.12B
Retained Earnings % of Revenue i51.9%48.9%
Property, Plant & Equipment iN/A0

Cash Flow Statement Comparison

MetricOMF (2025)CACC (2025)
Operating Cash Flow i1.15B554.50M
Operating Cash Flow % of Revenue i23.0%24.2%
Capital Expenditures iN/A-1.60M
Free Cash Flow i3.13B1.05B
FCF Margin i63.0%46.0%
Debt Repayment i-6.82B-4.03B
Common Stock Repurchase i-141.00M-725.40M

Short Interest & Institutional Ownership Analysis

MetricOMFCACC
Shares Short i4.48M1.05M
Short Ratio i2.584.90
Short % of Float i4.29%28.73%
Shares Outstanding i117.20M10.68M
Float Shares i116.51M5.41M
% Held by Insiders i0.35%49.99%
% Held by Institutions i94.28%78.92%
% Held by Public i5.37%-28.91%

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

MetricOMFCACC
Last 12-Month Dividend i$4.18N/A
Last 12-Month Dividend Yield i7.31%N/A
3-Year Avg Annual Dividend i$4.11N/A
3-Year Avg Dividend Yield i2.12%N/A
3-Year Total Dividends i$12.34N/A
Ex-Dividend DateFeb 17, 2026N/A