COMP <GO>
OMF vs CACC // EV/EBITDA & P/E VALUATION
OneMain Holdings Inc. (NYSE) VS. Credit Acceptance Corporation (NASDAQ) • 15-METRIC TALLY: OMF 10
— CACC 0
▲ EV/EBITDA & P/E VALUATION LEADER: OMF
LAST: $56.55 (-4.70%) • MKT CAP: $6.83B
valuation
15.5x
LAST: $464.89 (-19.26%) • MKT CAP: $5.98B
valuation
95.0x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OMF VS. CACC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OMF | CACC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.00% | 0.00% | +6.00 | OMF | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 15.5x | 95.0x | -79.50 | OMF | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 17.62% | +4.38 | OMF | /fcf-yield <GO> |
| Operating Margin | 50.00% | 0.00% | +50.00 | OMF | /operating-margins <GO> |
| Net Profit Margin | 41.00% | 0.00% | +41.00 | OMF | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 7.20% | +15.90 | OMF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 7.31% | 0.00% | +7.31 | OMF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.6 | 54.7 | +2.90 | OMF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.04 | 1.02 | +0.02 | OMF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.3x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $6.83B | $5.98B | $849.6M | OMF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OMF REV | CACC REV | OMF GROSS % | CACC GROSS % | OMF FCF | CACC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $2.32B | — | — | $3.13B | $1.05B |
| FY 2024 | $0 | $2.16B | — | — | $2.70B | $1.14B |
| FY 2023 | $0 | $1.90B | — | — | $2.52B | $1.12B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OMF // BETA 1.04
CACC // BETA 1.02