Comprehensive Stock Comparison
Compare FinVolution Group (FINV) 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 FINV's 3.7% |
| Value | FINV | Lower P/E (0.7x vs 7.3x), PEG 0.19 vs 1.86 |
| Quality / Margins | FINV | 18.2% net margin vs OMF's 12.5% |
| Stability / Safety | FINV | Beta 0.60 vs OMF's 1.47, lower leverage |
| Dividends | FINV | 4.3% yield, 4-year raise streak, vs OMF's 9.4% |
| Momentum (1Y) | OMF | +10.2% vs FINV's -28.4% |
| Efficiency (ROA) | FINV | 10.6% ROA vs OMF's 2.6%, ROIC 12.9% vs 6.9% |
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
FinVolution Group operates a fintech platform connecting individual borrowers with financial institutions in China, primarily serving the underserved consumer finance market. It generates revenue primarily through loan facilitation service fees — charging financial institutions for connecting them with borrowers — and to a lesser extent through post-origination services and guarantee income. Its competitive advantage lies in its proprietary technology platform that automates the lending process and its extensive user base of over 145 million registered customers.
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 2 of 6 categories (Financial Metrics, Total Returns). FINV leads in 2 (Valuation Metrics, Profitability & Efficiency). 2 tied.
Financial Metrics (TTM)
FINV is the larger business by revenue, generating $13.1B annually — 2.1x OMF's $6.2B. FINV is the more profitable business, keeping 18.2% of every revenue dollar as net income compared to OMF's 12.5%.
| Metric | FINVFinVolution Group | OMFOneMain Holdings,… |
|---|---|---|
| RevenueTrailing 12 months | $13.1B | $6.2B |
| EBITDAEarnings before interest/tax | $3.3B | $1.2B |
| Net IncomeAfter-tax profit | $2.8B | $705M |
| Free Cash FlowCash after capex | $1.5B | $3.0B |
| Gross MarginGross profit ÷ Revenue | +79.3% | +69.5% |
| Operating MarginEBIT ÷ Revenue | +19.4% | +37.5% |
| Net MarginNet income ÷ Revenue | +18.2% | +12.5% |
| FCF MarginFCF ÷ Revenue | +21.9% | +50.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -2.1% | +27.5% |
Valuation Metrics
At 4.3x trailing earnings, FINV trades at a 49% valuation discount to OMF's 8.4x P/E. Adjusting for growth (PEG ratio), FINV offers better value at 1.25x vs OMF's 2.13x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | FINVFinVolution Group | OMFOneMain Holdings,… |
|---|---|---|
| Market CapShares × price | $3.2B | $6.5B |
| Enterprise ValueMkt cap + debt − cash | $2.5B | $28.3B |
| Trailing P/EPrice ÷ TTM EPS | 4.26x | 8.39x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.66x | 7.30x |
| PEG RatioP/E ÷ EPS growth rate | 1.25x | 2.13x |
| EV / EBITDAEnterprise value multiple | 6.57x | 12.09x |
| Price / SalesMarket cap ÷ Revenue | 1.67x | 1.04x |
| Price / BookPrice ÷ Book value/share | 0.65x | 1.93x |
| Price / FCFMarket cap ÷ FCF | 7.62x | 2.08x |
Profitability & Efficiency
OMF delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $17 for FINV. FINV 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 FINV's 5/9, reflecting strong financial health.
| Metric | FINVFinVolution Group | OMFOneMain Holdings,… |
|---|---|---|
| ROE (TTM)Return on equity | +16.7% | +20.9% |
| ROA (TTM)Return on assets | +10.6% | +2.6% |
| ROICReturn on invested capital | +12.9% | +6.9% |
| ROCEReturn on capital employed | +13.8% | +8.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.00x | 6.67x |
| Net DebtTotal debt minus cash | -$4.6B | $21.8B |
| Cash & Equiv.Liquid assets | $4.7B | $914M |
| Total DebtShort + long-term debt | $34M | $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 $11,494 for FINV. Over the past 12 months, OMF leads with a +10.2% total return vs FINV's -28.4%. The 3-year compound annual growth rate (CAGR) favors OMF at 16.1% vs FINV's 7.8% — a key indicator of consistent wealth creation.
| Metric | FINVFinVolution Group | OMFOneMain Holdings,… |
|---|---|---|
| YTD ReturnYear-to-date | +7.7% | -18.8% |
| 1-Year ReturnPast 12 months | -28.4% | +10.2% |
| 3-Year ReturnCumulative with dividends | +25.2% | +56.3% |
| 5-Year ReturnCumulative with dividends | +14.9% | +61.3% |
| 10-Year ReturnCumulative with dividends | -45.9% | +301.6% |
| CAGR (3Y)Annualised 3-year return | +7.8% | +16.1% |
Risk & Volatility
FINV is the less volatile stock with a 0.60 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 FINV's 50.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FINVFinVolution Group | OMFOneMain Holdings,… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.60x | 1.47x |
| 52-Week HighHighest price in past year | $11.08 | $71.93 |
| 52-Week LowLowest price in past year | $4.70 | $38.00 |
| % of 52W HighCurrent price vs 52-week peak | +50.7% | +76.5% |
| RSI (14)Momentum oscillator 0–100 | 58.9 | 40.7 |
| Avg Volume (50D)Average daily shares traded | 905K | 1.2M |
Analyst Outlook
Wall Street rates FINV as "Buy" and OMF as "Buy". Consensus price targets imply 31.9% upside for OMF (target: $73) vs 5.7% for FINV (target: $6). For income investors, OMF offers the higher dividend yield at 9.37% vs FINV's 4.34%.
| Metric | FINVFinVolution Group | OMFOneMain Holdings,… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $5.94 | $72.57 |
| # AnalystsCovering analysts | 4 | 30 |
| Dividend YieldAnnual dividend ÷ price | +4.3% | +9.4% |
| Dividend StreakConsecutive years of raises | 4 | 2 |
| Dividend / ShareAnnual DPS | $1.67 | $5.16 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.9% | 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 |
|---|---|---|---|
| FinVolution Group (FINV) | 100 | 260.1 | +160.1% |
| OneMain Holdings, I… (OMF) | 100 | 169.46 | +69.5% |
OneMain Holdings, I… (OMF) returned +61% over 5 years vs FinVolution Group (FINV)'s +15%. 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 |
|---|---|---|---|
| FinVolution Group (FINV) | $1.2B | $13.1B | +974.7% |
| 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 |
|---|---|---|---|
| FinVolution Group (FINV) | 41.2% | 18.2% | -55.8% |
| 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 |
|---|---|---|---|
| FinVolution Group (FINV) | 0.5 | 0.8 | +60.0% |
| OneMain Holdings, I… (OMF) | 19.3 | 10.3 | -46.6% |
FinVolution Group has traded in a 0x–1x P/E range over 7 years; current trailing P/E is ~4x. 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 |
|---|---|---|---|
| FinVolution Group (FINV) | -0.2 | 9.05 | +4625.0% |
| 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
FinVolution Group generated $3B FCF in 2024 (+398% vs 2021). OneMain Holdings, Inc. generated $3B FCF in 2025 (+39% vs 2021).
FINV vs OMF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is FINV or OMF a better buy right now?
FinVolution Group (FINV) offers the better valuation at 4.3x trailing P/E (0.7x forward), making it the more compelling value choice. Analysts rate FinVolution Group (FINV) a "Buy" — based on 4 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 — FINV or OMF?
On trailing P/E, FinVolution Group (FINV) is the cheapest at 4.3x versus OneMain Holdings, Inc. at 8.4x. On forward P/E, FinVolution Group is actually cheaper at 0.7x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: FinVolution Group wins at 0.19x 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 — FINV or OMF?
Over the past 5 years, OneMain Holdings, Inc. (OMF) delivered a total return of +61.3%, compared to +14.9% for FinVolution Group (FINV). 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 FINV's -45.9%. 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 — FINV or OMF?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 0.60β versus OneMain Holdings, Inc.'s 1.47β — meaning OMF is approximately 143% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) 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 — FINV or OMF?
FinVolution Group (FINV) is the more profitable company, earning 18.2% net margin versus 12.5% for OneMain Holdings, Inc. — meaning it keeps 18.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OMF leads at 37.5% versus 19.4% for FINV. At the gross margin level — before operating expenses — FINV leads at 79.3%, 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 FINV 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, FinVolution Group (FINV) is the more undervalued stock at a PEG of 0.19x 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, FinVolution Group (FINV) trades at 0.7x forward P/E versus 7.3x for OneMain Holdings, Inc. — 6.6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for OMF: 31.9% to $72.57.
07Which pays a better dividend — FINV or OMF?
All stocks in this comparison pay dividends. OneMain Holdings, Inc. (OMF) offers the highest yield at 9.4%, versus 4.3% for FinVolution Group (FINV).
08Is FINV or OMF better for a retirement portfolio?
For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.60), 4.3% yield). Both have compounded well over 10 years (FINV: -45.9%, 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 FINV 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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