COMP <GO>
OMF vs BAC // 10Y YIELD & FRED MACRO BETA
OneMain Holdings Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: OMF 12
— BAC 2
▲ 10Y YIELD & FRED MACRO BETA LEADER: OMF
LAST: $56.55 (-4.70%) • MKT CAP: $6.83B
macro-sensitivity
1.04
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
macro-sensitivity
0.90
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OMF VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OMF | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.00% | 2.50% | +3.50 | OMF | /roic <GO> |
| EV/EBITDA & P/E Valuation | 15.5x | 30.2x | -14.70 | OMF | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 2.10% | +19.90 | OMF | /fcf-yield <GO> |
| Operating Margin | 50.00% | 32.90% | +17.10 | OMF | /operating-margins <GO> |
| Net Profit Margin | 41.00% | 27.00% | +14.00 | OMF | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 6.80% | +16.30 | OMF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 7.31% | 0.00% | +7.31 | OMF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.60 | 0.45 | +0.15 | OMF | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | OMF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.00% | 6.60% | +0.40 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.7 | 27.7 | +19.02 | OMF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 1.04 | 0.90 | +0.14 | OMF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.3x | 10.9x | -3.60 | OMF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $6.83B | $357.61B | -$350.78B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OMF REV | BAC REV | OMF GROSS % | BAC GROSS % | OMF FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $113.10B | — | 44.0% | $3.13B | $7.52B |
| FY 2024 | $0 | $105.86B | — | 44.0% | $2.70B | -$13.57B |
| FY 2023 | $0 | $102.77B | — | 44.0% | $2.52B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OMF // BETA 1.04
BAC // BETA 0.90