PRG vs AFRM vs SEZL vs OMF vs LPRO

For growth investors, Open Lending Corporation (LPRO) is the stronger pick with 288.

0% revenue growth year-over-year, versus -2. 2% for PROG Holdings, Inc. (PRG). OneMain Holdings, Inc. (OMF) offers the better valuation at 8. 5x trailing P/E (7. 5x forward), making it the more compelling value choice. Analysts rate PROG Holdings, Inc. (PRG) a "Buy" — based on 8 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 Affirm Holdings, Inc. at 449. 1x. On forward P/E, OneMain Holdings, Inc. is actually cheaper at 7. 5x.

Over the past 5 years, Sezzle Inc.

(SEZL) delivered a total return of +117. 4%, compared to -95. 8% for Open Lending Corporation (LPRO). Over 10 years, the gap is even starker: SEZL returned +687. 8% versus LPRO's -83. 2%. 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), OneMain Holdings, Inc.

(OMF) is the lower-risk stock at 1. 30β versus Affirm Holdings, Inc. 's 2. 72β — meaning AFRM is approximately 109% more volatile than OMF relative to the S&P 500. On balance sheet safety, PROG Holdings, Inc. (PRG) carries a lower debt/equity ratio of 82% versus 7% for OneMain Holdings, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Open Lending Corporation (LPRO) is pulling ahead at 288.

0% versus -2. 2% for PROG Holdings, Inc. (PRG). On earnings-per-share growth, the picture is similar: Affirm Holdings, Inc. grew EPS 109. 0% year-over-year, compared to -20. 8% for PROG Holdings, Inc.. Over a 3-year CAGR, AFRM leads at 33. 7% annualised revenue growth. 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.

Sezzle Inc.

(SEZL) is the more profitable company, earning 29. 6% net margin versus -4. 5% for Open Lending Corporation — meaning it keeps 29. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SEZL leads at 39. 3% versus -2. 7% for AFRM. At the gross margin level — before operating expenses — SEZL leads at 85. 4%, 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.

On forward earnings alone, OneMain Holdings, Inc.

(OMF) trades at 7. 5x forward P/E versus 62. 5x for Affirm Holdings, Inc. — 54. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LPRO: 146. 9% to $4. 00.

In this comparison, OMF (4.

7% yield), PRG (1. 4% yield) pay a dividend. AFRM, SEZL, LPRO do 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. 7% yield, +189. 2% 10Y return). Open Lending Corporation (LPRO) carries a higher beta of 2. 27 — 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: +189. 2%, LPRO: -83. 2%), 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.

These companies operate in different sectors (PRG (Industrials) and AFRM (Technology) and SEZL (Financial Services) and OMF (Financial Services) and LPRO (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: PRG is a small-cap deep-value stock; AFRM is a mid-cap high-growth stock; SEZL is a small-cap high-growth stock; OMF is a small-cap deep-value stock; LPRO is a small-cap high-growth stock. PRG, OMF pay a dividend while AFRM, SEZL, LPRO do 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.