OneMain vs World Acceptance
OMF and WRLD 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 WRLD compare
OneMain is the larger company, worth 9.8 times as much as World Acceptance ($6.3B against $644M).
On earnings, OneMain is cheaper: it trades at 8.4× trailing earnings, against 13.1× for World Acceptance.
OneMain grew revenue faster over the last twelve months (8.8% versus 4.5% for World Acceptance).
OneMain keeps more of each dollar of sales as profit, with a net margin of 14.7% compared with 8.3% at World Acceptance.
OneMain pays a dividend yielding 5.7%; World Acceptance does not pay one.
OneMain scores higher on the StockData Score (15 against 2 for World Acceptance), 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 | WRLD |
|---|---|---|
| Size and price | ||
| Market cap | $6.3B | $644M |
| Share price | $55.35 | $138.16 |
| Change, 1 year | −8.4% | 0.22% |
| Change, 5 years | 12.1% | −37.6% |
| Beta (5Y) | 1.28 | 1.47 |
| Employees | 9,300 | 3,744 |
| StockData Score | ||
| Total score | 15 (better) | 2 |
| Valuation score | 3 (better) | 1 |
| Growth score | 1 | 1 |
| Performance score | 3 (better) | 0 |
| Health score | 4 (better) | 0 |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 8.4× (better) | 13.1× |
| P/S | 1.2× | 1.1× (better) |
| P/B | 1.9× | 1.8× (better) |
| P/FCF | – | 2.3× |
| PEG | – | 0.54 |
| FCF yield | – | 43.2% |
| Fair value | $55.61 | $125.36 |
| Margin of safety | 0.47% (better) | −10.2% |
| Growth | ||
| Revenue growth (TTM) | 8.8% (better) | 4.5% |
| Revenue growth, 5Y average | 4.9% (better) | 2.1% |
| Net income growth (TTM) | 8.8% (better) | −12.6% |
| EPS growth (TTM) | 11.4% (better) | 1.8% |
| EPS growth, 5Y average | 3.9% (better) | −12.3% |
| Profitability | ||
| Net margin | 14.7% (better) | 8.3% |
| FCF margin | – | 46.7% |
| Return on equity | 22.7% (better) | 13.9% |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Altman Z-score | 0.47 | 1.15 (better) |
| Piotroski F-score | 7 (better) | 6 |
| 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% | 12.4% (better) |
| Shareholder yield | 9.5% | 12.4% (better) |
| Ownership | ||
| Held by institutions | 94.6% | 96.1% |
| Held by insiders | 0.56% | 54.7% |
| Insider net buying, 12 months | −$5.4M (better) | −$44.9M |
| Superinvestors holding | 4 | – |
| Short interest, % of float | 3.5% | 18.1% |
Go deeper
- OMF stock overview
- OMF income statement
- OMF valuation and score
- WRLD stock overview
- WRLD income statement
- WRLD valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.