Moody’s Corporation vs ONEMAIN HOLDINGS, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
What is priced in: Moody's at 32.3 times earnings is priced for ratings-and-analytics compounding, OneMain at 9 for subprime installment lending to keep yielding, a 23-turn multiple gap between a data monopoly and a consumer lender. Moody's earns 79.4% on equity (buyback-and-leverage-flattered) against OneMain's 23.6%, and nets 31.7% of revenue against 18.7%. OneMain pays a 6.9% dividend against Moody's 0.84% and carries 6.63 turns of debt against 2.4. The rating agency sells opinions at monopoly margins; the lender takes subprime risk for a fat yield. The market pays a vast premium for Moody's recurring, risk-free franchise over OneMain's leveraged, cyclical loan book, and the dividend is OneMain's consolation for the discount.
Comparison updated 2026-07-11.
| Metric | MCO | OMF |
|---|---|---|
| Price | $449.85 | $60.45 |
| Market cap | $79.8B | $7.1B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | +24.5% | +7.8% |
| P/E | 32.3 | 9.0 |
| P/B | 25.38 | 2.10 |
| P/S | 10.13 | 1.67 |
| EV/EBITDA | 21.9 | 387.2 |
| Revenue growth | +9.1% | +8.8% |
| Operating margin | 44.4% | — |
| Net margin | 31.7% | 18.7% |
| Return on equity | 79.4% | 23.6% |
| Return on assets | 16.9% | 3.0% |
| Dividend yield | 0.8% | 6.9% |
| Debt / equity | 2.40 | 6.63 |
| Current ratio | 1.16 | — |
| Altman Z (solvency) | 6.66 | 0.48 |
| Piotroski F (quality) | 7 / 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.