Affirm (AFRM) vs OneMain (OMF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
OneMain (OMF) has outperformed Affirm (AFRM) over the past year, gaining 2.1% versus a loss of 1.7%. Over five years, OMF leads with a -5.1% price change compared with -48.7% for AFRM. Affirm is the larger company by market cap ($25.41 billion vs $6.45 billion), about 3.9 times the size.
On valuation, OneMain trades at a lower forward P/E (6.6x vs 15.6x for Affirm). OneMain pays a dividend yielding 7.47%, while Affirm does not currently pay one. Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 16.0%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | OMF |
|---|---|---|
| Share price | $75.31 | $56.07 |
| Market cap | $25.41B | $6.45B |
| 1-day change | +0.57% | -0.20% |
| YTD return | +1.18% | -16.99% |
| 1-year return | -1.75% | +2.15% |
| 5-year return | -48.67% | -5.08% |
| P/E ratio (TTM) | 13.62 | 8.44 |
| Forward P/E | 15.60 | 6.57 |
| EPS (TTM) | $5.53 | $6.64 |
| Dividend yield | 0.00% | 7.47% |
| Annual dividend | $0.00 | $4.19 |
| Revenue (latest FY) | $4.26B | $4.90B |
| Revenue growth (YoY) | +32.15% | +8.88% |
| Net income (latest FY) | $1.93B | $783.00M |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | 15.97% |
| 52-week high | $90.44 | $71.93 |
| 52-week low | $42.10 | $45.78 |
| Distance from 52-week high | -16.73% | -22.05% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.01% | +22.17% |
| Average volume | 4.22M | 959.23K |
| Shares outstanding | 296.88M | 115.04M |
| Employees | 2,358 | 9,300 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Affirm is about 3.9 times larger than OneMain by market value ($25.41B vs $6.45B).
- Affirm trades at a higher earnings multiple (13.6x vs 8.4x trailing P/E).
- OneMain offers a meaningfully higher dividend yield (7.47% vs 0.00%).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 16.0 cents for OneMain.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs +8.88%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Finance · Finance: Consumer Services · 2,358 employees
About OneMain
OMF stock →OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance.
Finance · Finance: Consumer Services · 9,300 employees
AFRM vs OMF FAQ
Which is bigger, Affirm or OneMain?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $6.45B for OneMain (OMF).
Which stock has performed better over the past year, AFRM or OMF?
OMF returned +2.15% over the past 12 months, compared with -1.75% for AFRM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or OMF?
OMF has the lower trailing P/E at 8.4, versus 13.6 for AFRM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Affirm or OneMain?
OneMain pays a dividend yielding 7.47%, while Affirm does not currently pay a regular dividend.
Are Affirm and OneMain in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.