Affirm vs OneMain
AFRM and OMF side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AFRM and OMF compare
Affirm is the larger company, worth 3.6 times as much as OneMain ($22.9B against $6.3B).
On earnings, OneMain is cheaper: it trades at 8.4× trailing earnings, against 11.8× for Affirm.
Affirm grew revenue faster over the last twelve months (32.7% versus 8.8% for OneMain).
Affirm keeps more of each dollar of sales as profit, with a net margin of 43.9% compared with 14.7% at OneMain.
OneMain pays a dividend yielding 5.7%; Affirm does not pay one.
OneMain scores higher on the StockData Score (15 against 7 for Affirm), 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 | AFRM | OMF |
|---|---|---|
| Size and price | ||
| Market cap | $22.9B | $6.3B |
| Share price | $67.84 | $55.36 |
| Change, 1 year | −10.8% | −7.7% |
| Change, 5 years | −50.2% | 12.2% |
| Beta (5Y) | 3.33 | 1.28 |
| Employees | 2,358 | 9,300 |
| StockData Score | ||
| Total score | 7 | 15 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 4 (better) | 3 |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 11.8× | 8.4× (better) |
| P/S | 5.0× | 1.2× (better) |
| P/B | 4.0× | 1.9× (better) |
| EV/EBITDA | 24.1× | – |
| P/FCF | 28.0× | – |
| FCF yield | 3.6% | – |
| Fair value | $35.17 | $55.62 |
| Margin of safety | −92.9% | 0.47% (better) |
| Growth | ||
| Revenue growth (TTM) | 32.7% (better) | 8.8% |
| Revenue growth, 5Y average | 37.4% (better) | 4.9% |
| Net income growth (TTM) | 764% (better) | 8.8% |
| EPS growth (TTM) | 800% (better) | 11.4% |
| EPS growth, 5Y average | – | 3.9% |
| Profitability | ||
| Operating margin | 11.8% | – |
| Net margin | 43.9% (better) | 14.7% |
| FCF margin | 17.8% | – |
| Return on equity | 44.5% (better) | 22.7% |
| Return on invested capital | 19.5% | – |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Interest coverage | 1.1× | – |
| Altman Z-score | 1.58 (better) | 0.47 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 5.7% |
| Payout ratio | – | 64.4% |
| Years of dividend growth | – | 3 |
| Dividend growth, 5Y average | – | −6.8% |
| Buyback yield | – | 3.9% |
| Shareholder yield | 0.00% | 9.5% (better) |
| Ownership | ||
| Held by institutions | 77.1% | 94.6% |
| Held by insiders | 1.4% | 0.56% |
| Insider net buying, 12 months | −$89.4M | −$5.4M (better) |
| Superinvestors holding | 2 | 4 (better) |
| Short interest, % of float | 5.3% | 3.5% |
Go deeper
- AFRM stock overview
- AFRM income statement
- AFRM valuation and score
- OMF stock overview
- OMF income statement
- OMF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.