OneMain vs PicS
OMF and PICS 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 PICS compare
PicS grew revenue faster over the last twelve months (84.5% versus 8.8% for OneMain).
OneMain keeps more of each dollar of sales as profit, with a net margin of 14.7% compared with −10.6% at PicS.
OneMain pays a dividend yielding 5.8%; PicS does not pay one.
OneMain scores higher on the StockData Score (15 against 1 for PicS), 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 | PICS |
|---|---|---|
| Size and price | ||
| Market cap | $6.2B | – |
| Share price | $54.38 | $6.96 |
| Change, 1 year | −9.1% | – |
| Change, 5 years | 10.2% | – |
| Beta (5Y) | 1.27 | – |
| Employees | 9,300 | 4,629 |
| StockData Score | ||
| Total score | 15 (better) | 1 |
| Valuation score | 3 (better) | 0 |
| Growth score | 1 | 1 |
| Performance score | 3 (better) | 0 |
| Health score | 4 (better) | 0 |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 8.3× | – |
| P/S | 1.2× | – |
| P/B | 1.8× | – |
| Fair value | $54.99 | – |
| Margin of safety | 1.1% | – |
| Growth | ||
| Revenue growth (TTM) | 8.8% | 84.5% (better) |
| Revenue growth, 5Y average | 4.9% | – |
| Net income growth (TTM) | 8.8% | – |
| EPS growth (TTM) | 11.4% | 402% (better) |
| EPS growth, 5Y average | 3.9% | – |
| Profitability | ||
| Operating margin | – | 0.35% |
| Net margin | 14.7% (better) | −10.6% |
| FCF margin | – | −37.0% |
| Return on equity | 22.7% | – |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Interest coverage | – | 0.0× |
| Altman Z-score | 0.46 | – |
| Piotroski F-score | 7 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | 5.8% | – |
| Payout ratio | 64.4% | – |
| Years of dividend growth | 3 | – |
| Dividend growth, 5Y average | −6.8% | – |
| Buyback yield | 3.9% | – |
| Shareholder yield | 9.7% | – |
| Ownership | ||
| Held by institutions | 94.6% | 11.1% |
| Held by insiders | 0.56% | 95.8% |
| Insider net buying, 12 months | −$5.4M | $4.0M (better) |
| Superinvestors holding | 4 | – |
| Short interest, % of float | 3.5% | – |
Go deeper
- OMF stock overview
- OMF income statement
- OMF valuation and score
- PICS stock overview
- PICS income statement
- PICS valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.