Comprehensive Stock Comparison
Compare Akso Health Group (AHG) vs OneMain Holdings, Inc. (OMF) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | AHG | 5.1% revenue growth vs OMF's 9.1% |
| Value | AHG | Lower P/E (0.4x vs 7.3x) |
| Quality / Margins | OMF | 12.5% net margin vs AHG's -9.1% |
| Stability / Safety | AHG | Beta 0.80 vs OMF's 1.47, lower leverage |
| Dividends | OMF | 9.4% yield; 2-year raise streak; AHG pays no meaningful dividend |
| Momentum (1Y) | OMF | +10.2% vs AHG's +5.6% |
| Efficiency (ROA) | OMF | 2.6% ROA vs AHG's -62.8%, ROIC 6.9% vs -73.9% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Akso Health Group operates a social e-commerce mobile platform in China that connects consumers with health and lifestyle products. The company generates revenue primarily through its Xiaobai Maimai App — which earns commissions on sales of food, beverages, cosmetics, apparel, and home goods — supplemented by IT support services and branded product trading. Its competitive advantage lies in its social commerce model that leverages community-driven purchasing and established supplier relationships in China's health-conscious consumer market.
OneMain Holdings is a consumer finance company that provides personal loans — both secured and unsecured — to non-prime borrowers. It makes money primarily from interest income on these loans, supplemented by fees and insurance products sold alongside the lending. Its competitive advantage lies in its extensive physical branch network — approximately 1,400 locations — which allows for local underwriting and customer relationships in a segment often underserved by traditional banks.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
OMF leads in 4 of 6 categories — strongest in Financial Metrics and Valuation Metrics. 2 categories are tied.
Financial Metrics (TTM)
OMF is the larger business by revenue, generating $6.2B annually — 422.4x AHG's $15M. OMF is the more profitable business, keeping 12.5% of every revenue dollar as net income compared to AHG's -9.1%.
| Metric | AHGAkso Health Group | OMFOneMain Holdings,… |
|---|---|---|
| RevenueTrailing 12 months | $15M | $6.2B |
| EBITDAEarnings before interest/tax | -$164M | $1.2B |
| Net IncomeAfter-tax profit | -$135M | $705M |
| Free Cash FlowCash after capex | $1M | $3.0B |
| Gross MarginGross profit ÷ Revenue | -1.9% | +69.5% |
| Operating MarginEBIT ÷ Revenue | -11.3% | +37.5% |
| Net MarginNet income ÷ Revenue | -9.1% | +12.5% |
| FCF MarginFCF ÷ Revenue | +6.9% | +50.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -53.8% | +27.5% |
Valuation Metrics
| Metric | AHGAkso Health Group | OMFOneMain Holdings,… |
|---|---|---|
| Market CapShares × price | $2.4B | $6.5B |
| Enterprise ValueMkt cap + debt − cash | $2.2B | $28.3B |
| Trailing P/EPrice ÷ TTM EPS | -2.97x | 8.39x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.35x | 7.30x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.13x |
| EV / EBITDAEnterprise value multiple | — | 12.09x |
| Price / SalesMarket cap ÷ Revenue | 159.65x | 1.04x |
| Price / BookPrice ÷ Book value/share | 2.04x | 1.93x |
| Price / FCFMarket cap ÷ FCF | 2306.83x | 2.08x |
Profitability & Efficiency
OMF delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $-68 for AHG. AHG carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to OMF's 6.67x. On the Piotroski fundamental quality scale (0–9), OMF scores 7/9 vs AHG's 4/9, reflecting strong financial health.
| Metric | AHGAkso Health Group | OMFOneMain Holdings,… |
|---|---|---|
| ROE (TTM)Return on equity | -67.8% | +20.9% |
| ROA (TTM)Return on assets | -62.8% | +2.6% |
| ROICReturn on invested capital | -73.9% | +6.9% |
| ROCEReturn on capital employed | -98.0% | +8.8% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.00x | 6.67x |
| Net DebtTotal debt minus cash | -$176M | $21.8B |
| Cash & Equiv.Liquid assets | $176M | $914M |
| Total DebtShort + long-term debt | $81,737 | $22.7B |
| Interest CoverageEBIT ÷ Interest expense | — | 0.73x |
Total Returns (with DRIP)
A $10,000 investment in OMF five years ago would be worth $16,126 today (with dividends reinvested), compared to $7,383 for AHG. Over the past 12 months, OMF leads with a +10.2% total return vs AHG's +5.6%. The 3-year compound annual growth rate (CAGR) favors AHG at 43.7% vs OMF's 16.1% — a key indicator of consistent wealth creation.
| Metric | AHGAkso Health Group | OMFOneMain Holdings,… |
|---|---|---|
| YTD ReturnYear-to-date | -10.9% | -18.8% |
| 1-Year ReturnPast 12 months | +5.6% | +10.2% |
| 3-Year ReturnCumulative with dividends | +196.9% | +56.3% |
| 5-Year ReturnCumulative with dividends | -26.2% | +61.3% |
| 10-Year ReturnCumulative with dividends | -97.7% | +301.6% |
| CAGR (3Y)Annualised 3-year return | +43.7% | +16.1% |
Risk & Volatility
AHG is the less volatile stock with a 0.80 beta — it tends to amplify market swings less than OMF's 1.47 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OMF currently trades 76.5% from its 52-week high vs AHG's 67.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AHGAkso Health Group | OMFOneMain Holdings,… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.80x | 1.47x |
| 52-Week HighHighest price in past year | $2.10 | $71.93 |
| 52-Week LowLowest price in past year | $0.83 | $38.00 |
| % of 52W HighCurrent price vs 52-week peak | +67.9% | +76.5% |
| RSI (14)Momentum oscillator 0–100 | 49.3 | 40.7 |
| Avg Volume (50D)Average daily shares traded | 16K | 1.2M |
Analyst Outlook
OMF is the only dividend payer here at 9.37% yield — a key consideration for income-focused portfolios.
| Metric | AHGAkso Health Group | OMFOneMain Holdings,… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $72.57 |
| # AnalystsCovering analysts | — | 30 |
| Dividend YieldAnnual dividend ÷ price | — | +9.4% |
| Dividend StreakConsecutive years of raises | 1 | 2 |
| Dividend / ShareAnnual DPS | — | $5.16 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | 100 | 35 | -65.0% |
| OneMain Holdings, I… (OMF) | 100 | 169.46 | +69.5% |
OneMain Holdings, I… (OMF) returned +61% over 5 years vs Akso Health Group (AHG)'s -26%. A $10,000 investment in OMF 5 years ago would be worth $16,126 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | $12M | $15M | +24.2% |
| OneMain Holdings, I… (OMF) | $3.7B | $6.2B | +67.4% |
Akso Health Group's revenue grew from $12M (2016) to $15M (2025) — a 2.4% CAGR. OneMain Holdings, Inc.'s revenue grew from $3.7B (2016) to $6.2B (2025) — a 5.9% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | 29.7% | -9.1% | -130.7% |
| OneMain Holdings, I… (OMF) | 5.8% | 12.5% | +117.6% |
Akso Health Group's net margin went from 30% (2016) to -9% (2025). OneMain Holdings, Inc.'s net margin went from 6% (2016) to 13% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | 61.4 | 9.1 | -85.2% |
| OneMain Holdings, I… (OMF) | 19.3 | 10.3 | -46.6% |
Akso Health Group has traded in a 2x–61x P/E range over 3 years; current trailing P/E is ~-3x. OneMain Holdings, Inc. has traded in a 5x–19x P/E range over 9 years; current trailing P/E is ~8x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | 0.66 | -0.48 | -172.7% |
| OneMain Holdings, I… (OMF) | 1.59 | 6.56 | +312.6% |
Akso Health Group's EPS grew from $0.66 (2016) to $-0.48 (2025) — a NaN% CAGR. OneMain Holdings, Inc.'s EPS grew from $1.59 (2016) to $6.56 (2025) — a 17% CAGR.
Chart 6Free Cash Flow — 5 Years
Akso Health Group generated $1M FCF in 2025 (-90% vs 2021). OneMain Holdings, Inc. generated $3B FCF in 2025 (+39% vs 2021).
AHG vs OMF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is AHG or OMF a better buy right now?
OneMain Holdings, Inc. (OMF) offers the better valuation at 8.4x trailing P/E (7.3x forward), making it the more compelling value choice. Analysts rate OneMain Holdings, Inc. (OMF) a "Buy" — based on 30 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AHG or OMF?
On forward P/E, Akso Health Group is actually cheaper at 0.4x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — AHG or OMF?
Over the past 5 years, OneMain Holdings, Inc. (OMF) delivered a total return of +61.3%, compared to -26.2% for Akso Health Group (AHG). A $10,000 investment in OMF five years ago would be worth approximately $16K today (assuming dividends reinvested). Over 10 years, the gap is even starker: OMF returned +301.6% versus AHG's -97.7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AHG or OMF?
By beta (market sensitivity over 5 years), Akso Health Group (AHG) is the lower-risk stock at 0.80β versus OneMain Holdings, Inc.'s 1.47β — meaning OMF is approximately 84% more volatile than AHG relative to the S&P 500. On balance sheet safety, Akso Health Group (AHG) carries a lower debt/equity ratio of 0% versus 7% for OneMain Holdings, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — AHG or OMF?
OneMain Holdings, Inc. (OMF) is the more profitable company, earning 12.5% net margin versus -913.4% for Akso Health Group — meaning it keeps 12.5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OMF leads at 37.5% versus -1125.4% for AHG. At the gross margin level — before operating expenses — OMF leads at 69.5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is AHG or OMF more undervalued right now?
On forward earnings alone, Akso Health Group (AHG) trades at 0.4x forward P/E versus 7.3x for OneMain Holdings, Inc. — 6.9x cheaper on a one-year earnings basis.
07Which pays a better dividend — AHG or OMF?
In this comparison, OMF (9.4% yield) pays a dividend. AHG does not pay a meaningful dividend and should not be held primarily for income.
08Is AHG or OMF better for a retirement portfolio?
For long-horizon retirement investors, OneMain Holdings, Inc. (OMF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (9.4% yield, +301.6% 10Y return). Both have compounded well over 10 years (OMF: +301.6%, AHG: -97.7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between AHG and OMF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: AHG is a small-cap quality compounder stock; OMF is a small-cap deep-value stock. OMF pays a dividend while AHG does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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