EQUIFAX INC vs ONEMAIN HOLDINGS, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin comparison crosses models: Equifax nets 11.1% of revenue selling credit data, OneMain 18.7% lending to subprime consumers, the lender's spreads fatter than the toll booth's take this cycle. OneMain earns 23.6% on equity to Equifax's 15.3%, on 6.63 turns of debt against 1.16, and pays a 6.9% dividend against Equifax's 1.2%. Equifax trades at 27.9 times earnings against OneMain's 9, the data business's recurring revenue commanding three times the multiple despite lower current returns. The pair prices the scorer against the borrower's lender; Equifax sells the risk data, OneMain takes the risk, and the market pays a heavy premium for the risk-free recurring revenue over the higher-yielding loan book.
Comparison updated 2026-07-11.
| Metric | EFX | OMF |
|---|---|---|
| Price | $158.41 | $60.45 |
| Market cap | $19.1B | $7.1B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | +18.1% | +7.8% |
| P/E | 27.9 | 9.0 |
| P/B | 4.19 | 2.10 |
| P/S | 3.05 | 1.67 |
| EV/EBITDA | 12.9 | 387.2 |
| Revenue growth | +9.6% | +8.8% |
| Operating margin | 17.4% | — |
| Net margin | 11.1% | 18.7% |
| Return on equity | 15.3% | 23.6% |
| Return on assets | 5.8% | 3.0% |
| Dividend yield | 1.2% | 6.9% |
| Debt / equity | 1.16 | 6.63 |
| Current ratio | 0.61 | — |
| Altman Z (solvency) | 2.86 | 0.48 |
| Piotroski F (quality) | 8 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.