CPSS vs OMF
CPSS: A subprime auto finance company that buys dealer-originated contracts and securitizes them to fund lending to credit-challenged car buyers. OMF: OneMain Financial provides personal loans, auto financing, and credit cards to nonprime consumers through a nationwide branch network and digital platform, managing $26.3 billion in customer receivables.
Side-by-side fundamentals
| Metric | CPSS | OMF | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $9.43 | $58.78 | |
| Market cap as of 2026-07-24 | $197M | $6.8B | |
| P/E as of 2026-07-24 | 9.78 | 8.50 | OMF lower |
| PEG as of 2026-07-24 | 1.75 | 0.66 | OMF lower |
| Net margin as of 2026-07-24 | +4.6% | +12.6% | OMF higher |
| Gross margin as of 2026-07-24 | +45.7% | +79.8% | OMF higher |
| Operating margin as of 2026-07-24 | +6.0% | +16.1% | OMF higher |
| ROE as of 2026-07-24 | +6.5% | +23.6% | OMF higher |
| ROA as of 2026-07-24 | +0.5% | +2.9% | OMF higher |
| Debt / equity as of 2026-07-24 | 11.67 | 6.63 | OMF lower |
| Revenue growth (YoY) as of 2026-07-24 | +12.3% | +7.8% | CPSS higher |
| Revenue CAGR (3y) SEC XBRL | +9.6% | n/a | |
| Dividend yield as of 2026-07-24 | n/a | +7.0% | |
| Dividend streak (yrs) SEC XBRL | n/a | 4 | |
| Beta as of 2026-07-24 | 1.12 | 1.21 | |
| 1-year return as of 2026-07-23 close | +6.8% | -0.4% | CPSS higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.