OMF vs SOFI
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. SOFI: An all-in-one digital financial services platform that helps members borrow, save, spend, invest and protect their money through an integrated mobile app, while also offering fintech infrastructure to enterprise clients.
Side-by-side fundamentals
| Metric | OMF | SOFI | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $59.82 | $17.07 | |
| Market cap as of 2026-07-23 | $6.9B | $21.9B | |
| P/E as of 2026-07-23 | 8.67 | 37.95 | OMF lower |
| PEG as of 2026-07-23 | 0.66 | 0.96 | OMF lower |
| Net margin as of 2026-07-23 | +12.6% | -19.8% | OMF higher |
| Gross margin as of 2026-07-23 | +79.8% | n/a | |
| Operating margin as of 2026-07-23 | +16.1% | -19.9% | OMF higher |
| ROE as of 2026-07-23 | +23.6% | +6.3% | OMF higher |
| ROA as of 2026-07-23 | +2.9% | +1.2% | OMF higher |
| Debt / equity as of 2026-07-23 | 6.63 | 0.17 | SOFI lower |
| Revenue growth (YoY) as of 2026-07-23 | +7.8% | +205.5% | SOFI higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +18.0% | |
| Dividend yield as of 2026-07-23 | +7.0% | +0.0% | OMF higher |
| Dividend streak (yrs) SEC XBRL | 4 | 0 | OMF higher |
| Beta as of 2026-07-23 | 1.21 | 2.22 | |
| 1-year return as of 2026-07-22 close | +3.6% | -18.6% | OMF higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
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.