NELNET, INC. vs ONEMAIN HOLDINGS, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Nelnet is a diversified financial holding, student-loan servicing plus investments and even a bank; OneMain is a focused subprime installment lender, and the concentrated model earns far more: OneMain's 23.6% return on equity against Nelnet's 11.2% (Nelnet's 111.7% net margin being an investment-gain artifact). OneMain carries 6.63 turns of debt against Nelnet's 2.06 and pays a 6.9% dividend against 0.4%. Both trade cheap, 9 and 11.7 times earnings, and throw off large free-cash figures. The pair prices a diversified financial holding against a pure consumer lender; OneMain earns twice the return on equity and yields a fat dividend, Nelnet spreads its bets and trades a shade higher, the market paying for OneMain's focus and payout.
Comparison updated 2026-07-11.
| Metric | NNI | OMF |
|---|---|---|
| Price | $134.48 | $60.45 |
| Market cap | $4.9B | $7.1B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | +16.4% | +7.8% |
| P/E | 11.7 | 9.0 |
| P/B | 1.30 | 2.10 |
| P/S | 12.99 | 1.67 |
| EV/EBITDA | 138.8 | 387.2 |
| Revenue growth | +23.6% | +8.8% |
| Net margin | 111.7% | 18.7% |
| Return on equity | 11.2% | 23.6% |
| Return on assets | 2.9% | 3.0% |
| Dividend yield | 0.4% | 6.9% |
| Debt / equity | 2.06 | 6.63 |
| Altman Z (solvency) | 0.67 | 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.