OMF vs. AFRM, CACC, SLM, NNI, BFH, ENVA, OCSL, LC, LPRO, and WRLD
Should you be buying OneMain stock or one of its competitors? The main competitors of OneMain include Affirm (AFRM), Credit Acceptance (CACC), SLM (SLM), Nelnet (NNI), Bread Financial (BFH), Enova International (ENVA), Oaktree Specialty Lending (OCSL), LendingClub (LC), Open Lending (LPRO), and World Acceptance (WRLD). These companies are all part of the "personal credit institutions" industry.
OneMain (NYSE:OMF) and Affirm (NASDAQ:AFRM) are both mid-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their community ranking, dividends, institutional ownership, earnings, media sentiment, profitability, analyst recommendations, risk and valuation.
OneMain presently has a consensus price target of $54.62, indicating a potential upside of 13.66%. Affirm has a consensus price target of $27.53, indicating a potential downside of 7.13%. Given OneMain's stronger consensus rating and higher probable upside, research analysts clearly believe OneMain is more favorable than Affirm.
OneMain received 396 more outperform votes than Affirm when rated by MarketBeat users. Likewise, 66.19% of users gave OneMain an outperform vote while only 33.33% of users gave Affirm an outperform vote.
In the previous week, OneMain had 3 more articles in the media than Affirm. MarketBeat recorded 13 mentions for OneMain and 10 mentions for Affirm. Affirm's average media sentiment score of 0.46 beat OneMain's score of 0.01 indicating that Affirm is being referred to more favorably in the news media.
OneMain has a beta of 1.63, indicating that its share price is 63% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.56, indicating that its share price is 256% more volatile than the S&P 500.
OneMain has a net margin of 13.29% compared to Affirm's net margin of -32.17%. OneMain's return on equity of 20.78% beat Affirm's return on equity.
OneMain has higher revenue and earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than OneMain, indicating that it is currently the more affordable of the two stocks.
85.8% of OneMain shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 0.5% of OneMain shares are held by insiders. Comparatively, 13.1% of Affirm shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Summary
OneMain beats Affirm on 14 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding OMF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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