OneMain (OMF) vs SoFi Technologies (SOFI)
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 SoFi Technologies (SOFI) over the past year, gaining 2.1% versus a loss of 44.3%. Over five years, OMF leads with a -5.1% price change compared with -19.2% for SOFI. SoFi Technologies is the larger company by market cap ($19.83 billion vs $6.42 billion), about 3.1 times the size.
On valuation, OneMain trades at a lower forward P/E (6.5x vs 18.6x for SoFi Technologies). OneMain pays a dividend yielding 7.51%, while SoFi Technologies does not currently pay one. SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% 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 | OMF | SOFI |
|---|---|---|
| Share price | $55.82 | $15.35 |
| Market cap | $6.42B | $19.83B |
| 1-day change | -0.45% | -1.98% |
| YTD return | -16.99% | -40.18% |
| 1-year return | +2.15% | -44.35% |
| 5-year return | -5.08% | -19.20% |
| P/E ratio (TTM) | 8.41 | 31.33 |
| Forward P/E | 6.55 | 18.62 |
| EPS (TTM) | $6.64 | $0.49 |
| Dividend yield | 7.51% | 0.00% |
| Annual dividend | $4.19 | $0.00 |
| Revenue (latest FY) | $4.90B | $619.35M |
| Revenue growth (YoY) | +8.88% | +23.10% |
| Net income (latest FY) | $783.00M | $481.32M |
| Gross margin | — | 1.67% |
| Net margin | 15.97% | 77.71% |
| 52-week high | $71.93 | $32.73 |
| 52-week low | $45.78 | $14.88 |
| Distance from 52-week high | -22.40% | -53.10% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +22.72% | +32.44% |
| Average volume | 955.55K | 56.74M |
| Shares outstanding | 115.04M | 1.29B |
| Employees | 9,300 | 6,100 |
| 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
- SoFi Technologies is about 3.1 times larger than OneMain by market value ($19.83B vs $6.42B).
- OMF has outperformed SOFI by 46.5 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (31.3x vs 8.4x trailing P/E).
- OneMain offers a meaningfully higher dividend yield (7.51% vs 0.00%).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 16.0 cents for OneMain.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs +8.88%).
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
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
OMF vs SOFI FAQ
Which is bigger, OneMain or SoFi Technologies?
SoFi Technologies (SOFI) is larger, with a market capitalization of $19.83B compared with $6.42B for OneMain (OMF).
Which stock has performed better over the past year, OMF or SOFI?
OMF returned +2.15% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OMF or SOFI?
OMF has the lower trailing P/E at 8.4, versus 31.3 for SOFI. 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, OneMain or SoFi Technologies?
OneMain pays a dividend yielding 7.51%, while SoFi Technologies does not currently pay a regular dividend.
Are OneMain and SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.