COMPARE · Data as of August 28, 2026
OMF vs SYF
Verdict: Side-by-side breakdown using the Bull Rankings model. OMF scored 84.0, SYF scored 85.0 — SYF leads.
Compare another set
OMF
OneMain Holdings, Inc.
77.9Fin
$62.84 · $7.2B
fundamentals as of
Strength gap
6.5
OMF leads
SYF
Synchrony Financial
71.4Fin
$78.05 · $25.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestSYF8.2x
- Fastest growthOMF+9.5%
- Largest discount to fair valueOMF-88%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
OMF
SYF
$3.2bB
FCF
$9.7bB+
+9.5%B
Rev
-0.5%D+
6.73D
D/E
—
9.6xA-
P/E
8.2xA-
0.75A-
PEG
1.14B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
OMF
SYF
88% below
Price vs fair valuelower is cheaper
82% below
decline
Growth the price implies10-yr FCF · lower = less priced in
decline
+572%
1-yr DCF upside
+392%
+741%
5-yr DCF upside
+452%
+1061%
10-yr DCF upside
+547%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
The companies
OMFOneMain Holdings, Inc.
Why now
Credit Services · market cap $7.2b. 13% off the 52-week high of $71.93. PEG 0.75 — paying under fair value for the growth rate. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $69.57 (implying +11% upside).
Moat
Net margin 26% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 23% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
D/E 6.73 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
SYFSynchrony Financial
Why now
Credit Services · market cap $25.4b. 12% off the 52-week high of $88.77. 23 sell-side analysts rate this a Buy with a mean 1-yr target of $89.30 (implying +14% upside).
Moat
Net margin 36% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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