OneMain Holdings (NYSE: OMF) is one of 27 public companies in the “Consumer Lending” industry, but how does it compare to its rivals? We will compare OneMain Holdings to similar businesses based off the strength of its earnings, institutional ownership, profitability, risk, analyst recommendations, dividends and valuation.

Profitability

This table compares OneMain Holdings and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
OneMain Holdings 3.63% 14.31% 2.42%
OneMain Holdings Competitors -28.26% -17.28% 0.63%

Analyst Recommendations

This is a summary of current ratings and recommmendations for OneMain Holdings and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OneMain Holdings 0 8 8 0 2.50
OneMain Holdings Competitors 191 739 1064 58 2.48

OneMain Holdings currently has a consensus target price of $29.56, suggesting a potential upside of 11.98%. All “Consumer Lending” companies have a potential upside of 57.42%. Given OneMain Holdings’ rivals higher probable upside, analysts clearly believe OneMain Holdings has less favorable growth aspects than its rivals.

Insider & Institutional Ownership

95.7% of OneMain Holdings shares are held by institutional investors. Comparatively, 77.6% of shares of all “Consumer Lending” companies are held by institutional investors. 57.7% of OneMain Holdings shares are held by insiders. Comparatively, 15.2% of shares of all “Consumer Lending” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares OneMain Holdings and its rivals gross revenue, earnings per share and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
OneMain Holdings $1.84 billion N/A 28.09
OneMain Holdings Competitors $564.69 million $93.09 million 15.66

OneMain Holdings has higher revenue, but lower earnings than its rivals. OneMain Holdings is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently the more expensive than other companies in its industry.

Risk & Volatility

OneMain Holdings has a beta of 2.85, meaning that its share price is 185% more volatile than the S&P 500. Comparatively, OneMain Holdings’ rivals have a beta of 1.48, meaning that their average share price is 48% more volatile than the S&P 500.

Summary

OneMain Holdings beats its rivals on 8 of the 12 factors compared.

About OneMain Holdings

OneMain Holdings, Inc. is a financial services holding company. The Company is a consumer finance company, which is engaged in providing personal loan products; credit and non-credit insurance, and service loans owned by it and service or subservice loans owned by third-parties. The Company’s segments include Consumer and Insurance; Acquisitions and Servicing; Real Estate, and Other. It is engaged in pursuing strategic acquisitions and dispositions of assets and businesses, including loan portfolios or other financial assets. The Company originates and services personal loans (secured and unsecured) through two business divisions: branch operations and centralized operations. As of December 31, 2016, its combined branch operations included over 1,800 branch offices in 44 states. It offers optional credit insurance products to its customers, including credit life insurance, credit disability insurance, credit involuntary unemployment insurance and collateral protection insurance.

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