Onemain Holdings vs SoFi Technologies
Onemain Holdings is the larger business, with $4.90bn of revenue in fiscal 2025 against $3.61bn for SoFi Technologies (1.4 times as much). SoFi Technologies grew faster (35.1% against 8.9%). Onemain Holdings kept more of each dollar of sales as profit: a net margin of 16.0% against 13.3%.
| Latest fiscal year | Onemain HoldingsOMF, 2025 | SoFi TechnologiesSOFI, 2025 |
|---|---|---|
| Revenue | $4.90bn | $3.61bn |
| Revenue growth | 8.9% | 35.1% |
| Net income | $783m | $481m |
| Operating margin | — | — |
| Net margin | 16.0% | 13.3% |
| Return on equity | 23.8% | 5.7% |
| Free cash flow | — | −$3.98bn |
| Cash | $914m | $4.93bn |
| Total debt | $23.01bn | $1.83bn |
| Debt to equity | — | — |
| Dividend per share | $4.17 | — |
| Dividend yield | 7.5% | — |
| Share buybacks | $141m | — |
| Employees | 9,300 | 6,100 |
| Market value | $6.50bn | $21.61bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 32 (Weak) |
| Insider trades, 12 months | 0 buys, 12 sales | 7 buys, 19 sales |