Comprehensive Stock Comparison
Compare Capital One Financial Corporation (COF) 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 | OMF | 9.1% revenue growth vs COF's 9.0% |
| Value | OMF | Lower P/E (7.3x vs 9.7x), PEG 1.86 vs 10.08 |
| Quality / Margins | OMF | 12.5% net margin vs COF's 8.8% |
| Stability / Safety | OMF | Beta 1.47 vs COF's 1.53 |
| Dividends | OMF | 9.4% yield, 2-year raise streak, vs COF's 1.2% |
| Momentum (1Y) | OMF | +10.2% vs COF's -1.1% |
| Efficiency (ROA) | OMF | 2.6% ROA vs COF's 0.2%, ROIC 6.9% vs 4.1% |
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
Capital One is a diversified financial services company that operates primarily as a credit card issuer and consumer bank. It generates revenue through three main segments: credit card interest and fees (its largest segment), consumer banking services, and commercial banking operations. The company's key advantage lies in its sophisticated data analytics and technology platform—which enables targeted marketing and risk assessment—coupled with its direct banking model that reduces physical branch costs.
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 5 of 6 categories — strongest in Financial Metrics and Valuation Metrics. 1 category is tied.
Financial Metrics (TTM)
COF is the larger business by revenue, generating $53.9B annually — 8.6x OMF's $6.2B. Profitability is closely matched — net margins range from 12.5% (OMF) to 8.8% (COF).
| Metric | COFCapital One Finan… | OMFOneMain Holdings,… |
|---|---|---|
| RevenueTrailing 12 months | $53.9B | $6.2B |
| EBITDAEarnings before interest/tax | $6.1B | $1.2B |
| Net IncomeAfter-tax profit | $1.4B | $705M |
| Free Cash FlowCash after capex | $20.8B | $3.0B |
| Gross MarginGross profit ÷ Revenue | +50.8% | +69.5% |
| Operating MarginEBIT ÷ Revenue | +11.0% | +37.5% |
| Net MarginNet income ÷ Revenue | +8.8% | +12.5% |
| FCF MarginFCF ÷ Revenue | +31.4% | +50.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.5% | +27.5% |
Valuation Metrics
At 8.4x trailing earnings, OMF trades at a 50% valuation discount to COF's 16.9x P/E. Adjusting for growth (PEG ratio), OMF offers better value at 2.13x vs COF's 10.08x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | COFCapital One Finan… | OMFOneMain Holdings,… |
|---|---|---|
| Market CapShares × price | $124.4B | $6.5B |
| Enterprise ValueMkt cap + debt − cash | $126.7B | $28.3B |
| Trailing P/EPrice ÷ TTM EPS | 16.88x | 8.39x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.67x | 7.30x |
| PEG RatioP/E ÷ EPS growth rate | 10.08x | 2.13x |
| EV / EBITDAEnterprise value multiple | 13.85x | 12.09x |
| Price / SalesMarket cap ÷ Revenue | 2.31x | 1.04x |
| Price / BookPrice ÷ Book value/share | 1.23x | 1.93x |
| Price / FCFMarket cap ÷ FCF | 7.34x | 2.08x |
Profitability & Efficiency
OMF delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $1 for COF. COF carries lower financial leverage with a 0.75x 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 COF's 5/9, reflecting strong financial health.
| Metric | COFCapital One Finan… | OMFOneMain Holdings,… |
|---|---|---|
| ROE (TTM)Return on equity | +1.2% | +20.9% |
| ROA (TTM)Return on assets | +0.2% | +2.6% |
| ROICReturn on invested capital | +4.1% | +6.9% |
| ROCEReturn on capital employed | +4.6% | +8.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.75x | 6.67x |
| Net DebtTotal debt minus cash | $2.3B | $21.8B |
| Cash & Equiv.Liquid assets | $43.2B | $914M |
| Total DebtShort + long-term debt | $45.6B | $22.7B |
| Interest CoverageEBIT ÷ Interest expense | 0.11x | 0.73x |
Total Returns (with DRIP)
A $10,000 investment in COF five years ago would be worth $16,819 today (with dividends reinvested), compared to $16,126 for OMF. Over the past 12 months, OMF leads with a +10.2% total return vs COF's -1.1%. The 3-year compound annual growth rate (CAGR) favors COF at 23.1% vs OMF's 16.1% — a key indicator of consistent wealth creation.
| Metric | COFCapital One Finan… | OMFOneMain Holdings,… |
|---|---|---|
| YTD ReturnYear-to-date | -20.8% | -18.8% |
| 1-Year ReturnPast 12 months | -1.1% | +10.2% |
| 3-Year ReturnCumulative with dividends | +86.3% | +56.3% |
| 5-Year ReturnCumulative with dividends | +68.2% | +61.3% |
| 10-Year ReturnCumulative with dividends | +228.4% | +301.6% |
| CAGR (3Y)Annualised 3-year return | +23.1% | +16.1% |
Risk & Volatility
OMF is the less volatile stock with a 1.47 beta — it tends to amplify market swings less than COF's 1.53 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | COFCapital One Finan… | OMFOneMain Holdings,… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.53x | 1.47x |
| 52-Week HighHighest price in past year | $259.64 | $71.93 |
| 52-Week LowLowest price in past year | $143.22 | $38.00 |
| % of 52W HighCurrent price vs 52-week peak | +75.4% | +76.5% |
| RSI (14)Momentum oscillator 0–100 | 45.1 | 40.7 |
| Avg Volume (50D)Average daily shares traded | 4.5M | 1.2M |
Analyst Outlook
Wall Street rates COF as "Buy" and OMF as "Buy". Consensus price targets imply 39.9% upside for COF (target: $274) vs 31.9% for OMF (target: $73). For income investors, OMF offers the higher dividend yield at 9.37% vs COF's 1.24%.
| Metric | COFCapital One Finan… | OMFOneMain Holdings,… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $273.62 | $72.57 |
| # AnalystsCovering analysts | 56 | 30 |
| Dividend YieldAnnual dividend ÷ price | +1.2% | +9.4% |
| Dividend StreakConsecutive years of raises | 2 | 2 |
| Dividend / ShareAnnual DPS | $2.43 | $5.16 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | 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 |
|---|---|---|---|
| Capital One Financi… (COF) | 100 | 244.54 | +144.5% |
| OneMain Holdings, I… (OMF) | 100 | 169.46 | +69.5% |
Capital One Financi… (COF) returned +68% over 5 years vs OneMain Holdings, I… (OMF)'s +61%. A $10,000 investment in COF 5 years ago would be worth $16,819 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | $27.5B | $53.9B | +96.0% |
| 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 |
|---|---|---|---|
| Capital One Financi… (COF) | 13.6% | 8.8% | -35.4% |
| 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 |
|---|---|---|---|
| Capital One Financi… (COF) | 28.5 | 15.4 | -46.0% |
| OneMain Holdings, I… (OMF) | 19.3 | 10.3 | -46.6% |
Capital One Financial Corporation has traded in a 5x–29x P/E range over 8 years; current trailing P/E is ~17x. 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 |
|---|---|---|---|
| Capital One Financi… (COF) | 6.89 | 11.59 | +68.2% |
| 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
Capital One Financial Corporation generated $17B FCF in 2024 (+46% vs 2021). OneMain Holdings, Inc. generated $3B FCF in 2025 (+39% vs 2021).
COF vs OMF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is COF 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 Capital One Financial Corporation (COF) a "Buy" — based on 56 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 — COF or OMF?
On trailing P/E, OneMain Holdings, Inc. (OMF) is the cheapest at 8.4x versus Capital One Financial Corporation at 16.9x. On forward P/E, OneMain Holdings, Inc. is actually cheaper at 7.3x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: OneMain Holdings, Inc. wins at 1.86x versus Capital One Financial Corporation's 10.08x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — COF or OMF?
Over the past 5 years, Capital One Financial Corporation (COF) delivered a total return of +68.2%, compared to +61.3% for OneMain Holdings, Inc. (OMF). A $10,000 investment in COF five years ago would be worth approximately $17K today (assuming dividends reinvested). Over 10 years, the gap is even starker: OMF returned +301.6% versus COF's +228.4%. 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 — COF or OMF?
By beta (market sensitivity over 5 years), OneMain Holdings, Inc. (OMF) is the lower-risk stock at 1.47β versus Capital One Financial Corporation's 1.53β — meaning COF is approximately 4% more volatile than OMF relative to the S&P 500. On balance sheet safety, Capital One Financial Corporation (COF) carries a lower debt/equity ratio of 75% versus 7% for OneMain Holdings, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — COF or OMF?
OneMain Holdings, Inc. (OMF) is the more profitable company, earning 12.5% net margin versus 8.8% for Capital One Financial 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 11.0% for COF. 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 COF 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, OneMain Holdings, Inc. (OMF) is the more undervalued stock at a PEG of 1.86x versus Capital One Financial Corporation's 10.08x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, OneMain Holdings, Inc. (OMF) trades at 7.3x forward P/E versus 9.7x for Capital One Financial Corporation — 2.4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for COF: 39.9% to $273.62.
07Which pays a better dividend — COF or OMF?
All stocks in this comparison pay dividends. OneMain Holdings, Inc. (OMF) offers the highest yield at 9.4%, versus 1.2% for Capital One Financial Corporation (COF).
08Is COF 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). Capital One Financial Corporation (COF) carries a higher beta of 1.53 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (OMF: +301.6%, COF: +228.4%), 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 COF 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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