ORIX CORPORATION vs ONEMAIN HOLDINGS, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The single figure that separates these two is return on equity: OneMain at 23.6% against Orix's 9.8%, the focused US subprime lender more than doubling the diversified Japanese conglomerate's return on capital. OneMain nets 18.7% of revenue to Orix's 13.4%, on far heavier leverage, 6.63 turns against 1.43. OneMain trades at 9 times earnings with a 6.9% dividend; Orix has no usable P/E and pays 2.64%. Both throw off large free-cash figures, 45.2% and 21.3%. The pair prices a concentrated high-return lender against a diversified lower-return holding; OneMain earns more, yields more, and carries more debt, Orix spreads its bets across leasing, insurance, and investments, and the market values focus over diversification here.
Comparison updated 2026-07-11.
| Metric | IX | OMF |
|---|---|---|
| Price | $38.30 | $60.45 |
| Market cap | $42.9B | $7.1B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | — | +7.8% |
| P/E | — | 9.0 |
| P/B | 1.41 | 2.10 |
| P/S | 1.93 | 1.67 |
| EV/EBITDA | 13.5 | 387.2 |
| Revenue growth | +7.5% | +8.8% |
| Operating margin | 13.7% | — |
| Net margin | 13.4% | 18.7% |
| Return on equity | 9.8% | 23.6% |
| Return on assets | 2.5% | 3.0% |
| Dividend yield | 2.6% | 6.9% |
| Debt / equity | 1.43 | 6.63 |
| Altman Z (solvency) | 0.83 | 0.48 |
| Piotroski F (quality) | 9 / 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.