OMF vs WRLD

For growth investors, OneMain Holdings, Inc.

(OMF) is the stronger pick with 9. 1% revenue growth year-over-year, versus -1. 5% for World Acceptance Corporation (WRLD). OneMain Holdings, Inc. (OMF) offers the better valuation at 8. 5x trailing P/E (7. 6x forward), making it the more compelling value choice. Analysts rate OneMain Holdings, Inc. (OMF) a "Buy" — based on 31 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.

On trailing P/E, OneMain Holdings, Inc.

(OMF) is the cheapest at 8. 5x versus World Acceptance Corporation at 9. 1x. On forward P/E, OneMain Holdings, Inc. is actually cheaper at 7. 6x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: World Acceptance Corporation wins at 0. 59x versus OneMain Holdings, Inc. 's 1. 93x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, OneMain Holdings, Inc.

(OMF) delivered a total return of +39. 2%, compared to +11. 6% for World Acceptance Corporation (WRLD). Over 10 years, the gap is even starker: WRLD returned +255. 0% versus OMF's +191. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), World Acceptance Corporation (WRLD) is the lower-risk stock at 1.

27β versus OneMain Holdings, Inc. 's 1. 30β — meaning OMF is approximately 3% more volatile than WRLD relative to the S&P 500. On balance sheet safety, World Acceptance Corporation (WRLD) carries a lower debt/equity ratio of 120% versus 7% for OneMain Holdings, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), OneMain Holdings, Inc.

(OMF) is pulling ahead at 9. 1% versus -1. 5% for World Acceptance Corporation (WRLD). On earnings-per-share growth, the picture is similar: OneMain Holdings, Inc. grew EPS 54. 7% year-over-year, compared to 23. 6% for World Acceptance Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

World Acceptance Corporation (WRLD) is the more profitable company, earning 15.

9% net margin versus 12. 5% for OneMain Holdings, Inc. — meaning it keeps 15. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: WRLD leads at 28. 1% versus 16. 0% for OMF. At the gross margin level — before operating expenses — WRLD leads at 70. 0%, 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.

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, World Acceptance Corporation (WRLD) is the more undervalued stock at a PEG of 0. 59x versus OneMain Holdings, Inc. 's 1. 93x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, OneMain Holdings, Inc. (OMF) trades at 7. 6x forward P/E versus 21. 1x for World Acceptance Corporation — 13. 5x cheaper on a one-year earnings basis.

In this comparison, OMF (4.

6% yield) pays a dividend. WRLD does not pay a meaningful dividend and should not be held primarily for income.

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 (4. 6% yield, +191. 1% 10Y return). Both have compounded well over 10 years (OMF: +191. 1%, WRLD: +255. 0%), 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.

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.

OMF pays a dividend while WRLD 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.