OneMain vs Regional Management
OMF and RM side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How OMF and RM compare
OneMain is the larger company, worth 19 times as much as Regional Management ($6.5B against $335M).
On earnings, Regional Management is cheaper: it trades at 7.6× trailing earnings, against 8.4× for OneMain.
Regional Management grew revenue faster over the last twelve months (9.6% versus 8.0% for OneMain).
OneMain keeps more of each dollar of sales as profit, with a net margin of 16.0% compared with 7.0% at Regional Management.
Both pay dividends: OneMain yields 7.4% and Regional Management 3.3%.
OneMain scores higher on the StockData Score (16 against 14 for Regional Management), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | OMF | RM |
|---|---|---|
| Size and price | ||
| Market cap | $6.5B | $335M |
| Share price | $56.55 | $36.30 |
| Change, 1 year | 0.95% | −7.0% |
| Change, 5 years | 6.2% | −39.0% |
| Beta (5Y) | 1.29 | 1.09 |
| Employees | 9,300 | 2,112 |
| StockData Score | ||
| Total score | 16 (better) | 14 |
| Valuation score | 3 | 6 (better) |
| Growth score | 1 | 1 |
| Performance score | 4 (better) | 1 |
| Health score | 4 | 4 |
| Dividend score | 4 (better) | 2 |
| Valuation | ||
| P/E | 8.4× | 7.6× (better) |
| P/S | 1.3× | 0.5× (better) |
| P/B | 1.9× | 0.9× (better) |
| EV/EBITDA | – | 4.2× |
| P/FCF | – | 1.0× |
| FCF yield | – | 96.6% |
| Fair value | $66.87 | $48.10 |
| Margin of safety | 15.4% | 24.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 8.0% | 9.6% (better) |
| Revenue growth, 5Y average | 4.9% | 11.5% (better) |
| Net income growth (TTM) | 40.4% (better) | 34.8% |
| EPS growth (TTM) | 42.1% (better) | 36.9% |
| EPS growth, 5Y average | 3.9% | 13.1% (better) |
| Profitability | ||
| Net margin | 16.0% (better) | 7.0% |
| FCF margin | – | 48.2% |
| Return on equity | 23.9% (better) | 12.6% |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | 0.49 | 0.71 (better) |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 7.4% (better) | 3.3% |
| Payout ratio | 62.9% | – |
| Years of dividend growth | 3 (better) | 0 |
| Dividend growth, 5Y average | −6.8% | 43.1% (better) |
| Buyback yield | 3.6% | 7.5% (better) |
| Shareholder yield | 11.0% (better) | 10.8% |
| Ownership | ||
| Held by institutions | 94.2% | 88.7% |
| Held by insiders | 0.56% | 23.0% |
| Insider net buying, 12 months | −$7.9M (better) | −$18.6M |
| Superinvestors holding | 4 | – |
| Short interest, % of float | 3.5% | 4.8% |
Go deeper
- OMF stock overview
- OMF income statement
- OMF valuation and score
- RM stock overview
- RM income statement
- RM valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.