ONEMAIN HOLDINGS, INC. vs TransUnion, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
OneMain earns 23.6% on equity, TransUnion 14.3%, the leveraged subprime lender out-returning the asset-light credit bureau on capital, though the leverage tells: 6.63 turns against 1.14. On assets the bureau wins, 5.85% against 2.95%, the clean-model read. TransUnion sells the credit data lenders like OneMain buy to price borrowers; OneMain takes the risk. TransUnion trades at 19.5 times earnings against OneMain's 9, and OneMain pays a 6.9% dividend against 0.65%. The market pays the bureau a double multiple for its risk-free recurring revenue while OneMain, taking the actual credit risk, earns the higher equity return and hands back the fatter yield, priced as if a downturn were imminent.
Comparison updated 2026-07-11.
| Metric | OMF | TRU |
|---|---|---|
| Price | $60.45 | $70.34 |
| Market cap | $7.1B | $13.7B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | +7.8% | +23.5% |
| P/E | 9.0 | 19.5 |
| P/B | 2.10 | 2.78 |
| P/S | 1.67 | 2.89 |
| EV/EBITDA | 387.2 | 12.9 |
| Revenue growth | +8.8% | +11.0% |
| Operating margin | — | 19.6% |
| Net margin | 18.7% | 14.9% |
| Return on equity | 23.6% | 14.3% |
| Return on assets | 3.0% | 5.8% |
| Dividend yield | 6.9% | 0.7% |
| Debt / equity | 6.63 | 1.14 |
| Current ratio | — | 1.93 |
| Altman Z (solvency) | 0.48 | 2.07 |
| Piotroski F (quality) | 6 / 9 | 5 / 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.