Onemain Holdings vs Synchrony Financial
Synchrony Financial is the larger business, with $18.99bn of revenue in fiscal 2025 against $4.90bn for Onemain Holdings (3.9 times as much). Onemain Holdings grew faster (8.9% against -2.8%). Synchrony Financial kept more of each dollar of sales as profit: a net margin of 18.7% against 16.0%.
| Latest fiscal year | Onemain HoldingsOMF, 2025 | Synchrony FinancialSYF, 2025 |
|---|---|---|
| Revenue | $4.90bn | $18.99bn |
| Revenue growth | 8.9% | -2.8% |
| Net income | $783m | $3.55bn |
| Operating margin | — | — |
| Net margin | 16.0% | 18.7% |
| Return on equity | 23.8% | 21.3% |
| Free cash flow | — | — |
| Cash | $914m | $14.97bn |
| Total debt | $23.01bn | $15.18bn |
| Debt to equity | — | — |
| Dividend per share | $4.17 | $1.15 |
| Dividend yield | 7.5% | 1.8% |
| Share buybacks | $141m | $2.94bn |
| Employees | 9,300 | 20,000 |
| Market value | $6.50bn | $23.42bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 56 (Moderate) |
| Insider trades, 12 months | 0 buys, 12 sales | 0 buys, 32 sales |