Happen, Inc. vs ONEMAIN HOLDINGS, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where LC and OMF diverge most: on debt / equity, LC reads 0.00 and OMF reads 6.63; on altman z (solvency), LC reads 0.20 and OMF reads 0.48. The rest of the comparable metrics sit closer together. What OMF's price implies is a somewhat stretched bet versus history (whole-company basis). The bull and bear cases for each are in their full reports below.
| Metric | LC | OMF |
|---|---|---|
| Price | $19.20 | $62.59 |
| Market cap | $2.3B | $7.3B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | — | -0.8% |
| P/E | 11.5 | 9.3 |
| P/B | 1.44 | 2.17 |
| P/S | 2.15 | 1.73 |
| EV/EBITDA | — | 390.6 |
| Revenue growth | +19.1% | +8.8% |
| Net margin | 18.7% | 18.7% |
| Return on equity | 12.5% | 23.6% |
| Return on assets | 1.6% | 3.0% |
| Dividend yield | — | 6.7% |
| Debt / equity | 0.00 | 6.63 |
| Altman Z (solvency) | 0.20 | 0.48 |
| Piotroski F (quality) | 5 / 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.