Comprehensive Stock Comparison
Compare Atlanticus Holdings Corporation (ATLC) 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 | ATLC | 13.5% revenue growth vs OMF's 9.1% |
| Value | ATLC | Lower P/E (6.0x vs 7.3x), PEG 0.25 vs 1.86 |
| Quality / Margins | OMF | 12.5% net margin vs ATLC's 8.5% |
| Stability / Safety | OMF | Beta 1.47 vs ATLC's 1.55 |
| Dividends | ATLC | 2.6% yield, 7-year raise streak, vs OMF's 9.4% |
| Momentum (1Y) | OMF | +10.2% vs ATLC's -4.8% |
| Efficiency (ROA) | OMF | 2.6% ROA vs ATLC's 1.7%, ROIC 6.9% vs 3.8% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Atlanticus Holdings is a specialty finance company that provides credit products and services to non-prime consumers in the United States. It generates revenue primarily through two segments: Credit as a Service — which originates consumer loans for retail purchases and medical procedures — and Auto Finance — which purchases and services used car loans from independent dealers. The company's competitive advantage lies in its data-driven underwriting technology and established partnerships with retailers and automotive dealers serving the underserved non-prime 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 3 of 6 categories (Financial Metrics, Profitability & Efficiency). ATLC leads in 2 (Valuation Metrics, Total Returns). 1 tied.
Financial Metrics (TTM)
OMF is the larger business by revenue, generating $6.2B annually — 4.8x ATLC's $1.3B. Profitability is closely matched — net margins range from 12.5% (OMF) to 8.5% (ATLC).
| Metric | ATLCAtlanticus Holdin… | OMFOneMain Holdings,… |
|---|---|---|
| RevenueTrailing 12 months | $1.3B | $6.2B |
| EBITDAEarnings before interest/tax | $161M | $1.2B |
| Net IncomeAfter-tax profit | $118M | $705M |
| Free Cash FlowCash after capex | $488M | $3.0B |
| Gross MarginGross profit ÷ Revenue | +21.6% | +69.5% |
| Operating MarginEBIT ÷ Revenue | +10.6% | +37.5% |
| Net MarginNet income ÷ Revenue | +8.5% | +12.5% |
| FCF MarginFCF ÷ Revenue | +35.7% | +50.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -7.1% | +27.5% |
Valuation Metrics
At 8.4x trailing earnings, OMF trades at a 24% valuation discount to ATLC's 11.0x P/E. Adjusting for growth (PEG ratio), ATLC offers better value at 0.47x vs OMF's 2.13x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | ATLCAtlanticus Holdin… | OMFOneMain Holdings,… |
|---|---|---|
| Market CapShares × price | $791M | $6.5B |
| Enterprise ValueMkt cap + debt − cash | $2.9B | $28.3B |
| Trailing P/EPrice ÷ TTM EPS | 10.97x | 8.39x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.98x | 7.30x |
| PEG RatioP/E ÷ EPS growth rate | 0.47x | 2.13x |
| EV / EBITDAEnterprise value multiple | 20.32x | 12.09x |
| Price / SalesMarket cap ÷ Revenue | 0.60x | 1.04x |
| Price / BookPrice ÷ Book value/share | 2.01x | 1.93x |
| Price / FCFMarket cap ÷ FCF | 1.69x | 2.08x |
Profitability & Efficiency
OMF delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $20 for ATLC. ATLC carries lower financial leverage with a 5.12x 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 ATLC's 4/9, reflecting strong financial health.
| Metric | ATLCAtlanticus Holdin… | OMFOneMain Holdings,… |
|---|---|---|
| ROE (TTM)Return on equity | +20.2% | +20.9% |
| ROA (TTM)Return on assets | +1.7% | +2.6% |
| ROICReturn on invested capital | +3.8% | +6.9% |
| ROCEReturn on capital employed | +4.7% | +8.8% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 5.12x | 6.67x |
| Net DebtTotal debt minus cash | $2.1B | $21.8B |
| Cash & Equiv.Liquid assets | $375M | $914M |
| Total DebtShort + long-term debt | $2.5B | $22.7B |
| Interest CoverageEBIT ÷ Interest expense | 0.69x | 0.73x |
Total Returns (with DRIP)
A $10,000 investment in ATLC five years ago would be worth $19,303 today (with dividends reinvested), compared to $16,126 for OMF. Over the past 12 months, OMF leads with a +10.2% total return vs ATLC's -4.8%. The 3-year compound annual growth rate (CAGR) favors ATLC at 17.7% vs OMF's 16.1% — a key indicator of consistent wealth creation.
| Metric | ATLCAtlanticus Holdin… | OMFOneMain Holdings,… |
|---|---|---|
| YTD ReturnYear-to-date | -21.2% | -18.8% |
| 1-Year ReturnPast 12 months | -4.8% | +10.2% |
| 3-Year ReturnCumulative with dividends | +63.2% | +56.3% |
| 5-Year ReturnCumulative with dividends | +93.0% | +61.3% |
| 10-Year ReturnCumulative with dividends | +1587.4% | +301.6% |
| CAGR (3Y)Annualised 3-year return | +17.7% | +16.1% |
Risk & Volatility
OMF is the less volatile stock with a 1.47 beta — it tends to amplify market swings less than ATLC's 1.55 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 ATLC's 66.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ATLCAtlanticus Holdin… | OMFOneMain Holdings,… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.55x | 1.47x |
| 52-Week HighHighest price in past year | $78.91 | $71.93 |
| 52-Week LowLowest price in past year | $41.37 | $38.00 |
| % of 52W HighCurrent price vs 52-week peak | +66.3% | +76.5% |
| RSI (14)Momentum oscillator 0–100 | 45.9 | 40.7 |
| Avg Volume (50D)Average daily shares traded | 58K | 1.2M |
Analyst Outlook
Wall Street rates ATLC as "Buy" and OMF as "Buy". Consensus price targets imply 81.6% upside for ATLC (target: $95) vs 31.9% for OMF (target: $73). For income investors, OMF offers the higher dividend yield at 9.37% vs ATLC's 2.62%.
| Metric | ATLCAtlanticus Holdin… | OMFOneMain Holdings,… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $95.00 | $72.57 |
| # AnalystsCovering analysts | 6 | 30 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +9.4% |
| Dividend StreakConsecutive years of raises | 7 | 2 |
| Dividend / ShareAnnual DPS | $1.37 | $5.16 |
| Buyback YieldShare repurchases ÷ mkt cap | +6.7% | 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 |
|---|---|---|---|
| Atlanticus Holdings… (ATLC) | 100 | 416.48 | +316.5% |
| OneMain Holdings, I… (OMF) | 100 | 169.46 | +69.5% |
Atlanticus Holdings… (ATLC) returned +93% over 5 years vs OneMain Holdings, I… (OMF)'s +61%. A $10,000 investment in ATLC 5 years ago would be worth $19,303 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Atlanticus Holdings… (ATLC) | $127M | $1.3B | +932.0% |
| OneMain Holdings, I… (OMF) | $3.7B | $6.2B | +67.4% |
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 |
|---|---|---|---|
| Atlanticus Holdings… (ATLC) | -5.0% | 8.5% | +270.2% |
| OneMain Holdings, I… (OMF) | 5.8% | 12.5% | +117.6% |
OneMain Holdings, Inc.'s net margin went from 6% (2016) to 13% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Atlanticus Holdings… (ATLC) | 6.5 | 11.7 | +80.0% |
| OneMain Holdings, I… (OMF) | 19.3 | 10.3 | -46.6% |
Atlanticus Holdings Corporation has traded in a 5x–12x P/E range over 7 years; current trailing P/E is ~11x. 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 |
|---|---|---|---|
| Atlanticus Holdings… (ATLC) | -0.45 | 4.77 | +1160.0% |
| OneMain Holdings, I… (OMF) | 1.59 | 6.56 | +312.6% |
OneMain Holdings, Inc.'s EPS grew from $1.59 (2016) to $6.56 (2025) — a 17% CAGR.
Chart 6Free Cash Flow — 5 Years
Atlanticus Holdings Corporation generated $468M FCF in 2024 (+128% vs 2021). OneMain Holdings, Inc. generated $3B FCF in 2025 (+39% vs 2021).
ATLC vs OMF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is ATLC 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 Atlanticus Holdings Corporation (ATLC) a "Buy" — based on 6 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 — ATLC or OMF?
On trailing P/E, OneMain Holdings, Inc. (OMF) is the cheapest at 8.4x versus Atlanticus Holdings Corporation at 11.0x. On forward P/E, Atlanticus Holdings Corporation is actually cheaper at 6.0x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Atlanticus Holdings Corporation wins at 0.25x versus OneMain Holdings, Inc.'s 1.86x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — ATLC or OMF?
Over the past 5 years, Atlanticus Holdings Corporation (ATLC) delivered a total return of +93.0%, compared to +61.3% for OneMain Holdings, Inc. (OMF). A $10,000 investment in ATLC five years ago would be worth approximately $19K today (assuming dividends reinvested). Over 10 years, the gap is even starker: ATLC returned +1587% versus OMF's +301.6%. 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 — ATLC or OMF?
By beta (market sensitivity over 5 years), OneMain Holdings, Inc. (OMF) is the lower-risk stock at 1.47β versus Atlanticus Holdings Corporation's 1.55β — meaning ATLC is approximately 6% more volatile than OMF relative to the S&P 500. On balance sheet safety, Atlanticus Holdings Corporation (ATLC) carries a lower debt/equity ratio of 5% versus 7% for OneMain Holdings, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — ATLC or OMF?
OneMain Holdings, Inc. (OMF) is the more profitable company, earning 12.5% net margin versus 8.5% for Atlanticus Holdings Corporation — 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 10.6% for ATLC. 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 ATLC or OMF more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Atlanticus Holdings Corporation (ATLC) is the more undervalued stock at a PEG of 0.25x versus OneMain Holdings, Inc.'s 1.86x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Atlanticus Holdings Corporation (ATLC) trades at 6.0x forward P/E versus 7.3x for OneMain Holdings, Inc. — 1.3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ATLC: 81.6% to $95.00.
07Which pays a better dividend — ATLC or OMF?
All stocks in this comparison pay dividends. OneMain Holdings, Inc. (OMF) offers the highest yield at 9.4%, versus 2.6% for Atlanticus Holdings Corporation (ATLC).
08Is ATLC or OMF better for a retirement portfolio?
For long-horizon retirement investors, Atlanticus Holdings Corporation (ATLC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (2.6% yield, +1587% 10Y return). Both have compounded well over 10 years (ATLC: +1587%, OMF: +301.6%), 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 ATLC 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. 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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