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MORN vs OMF

MORN
Morningstar, Inc.
BEARISH
Price
$183.73
Market Cap
$7.08B
Sector
Financial Services
AI Confidence
85%
OMF
OneMain Holdings, Inc.
BULLISH
Price
$58.77
Market Cap
$6.79B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MORN
20.04
OMF
8.96
Forward P/E
MORN
14.17
OMF
6.66
P/B Ratio
MORN
5.98
OMF
2.03
P/S Ratio
MORN
2.89
OMF
2.28
EV/EBITDA
MORN
13.49
OMF
--

Profitability

Gross Margin
MORN
61.03%
OMF
93.34%
Operating Margin
MORN
21.71%
OMF
33.65%
Profit Margin
MORN
15.3%
OMF
26.34%
ROE
MORN
26.35%
OMF
23.76%
ROA
MORN
8.86%
OMF
2.94%

Growth

Revenue Growth
MORN
8.5%
OMF
12.2%
Earnings Growth
MORN
4.5%
OMF
63.7%

Financial Health

Debt/Equity
MORN
1.03
OMF
6.71
Current Ratio
MORN
0.98
OMF
422.3
Quick Ratio
MORN
0.89
OMF
409.35

Dividends

Dividend Yield
MORN
1.09%
OMF
7.15%
Payout Ratio
MORN
21.03%
OMF
63.57%

AI Verdict

MORN BEARISH

MORN exhibits a mediocre Piotroski F-Score of 4/9, indicating stable but non-improving financial health. The stock is trading at a significant premium to both its Graham Number ($79.65) and its growth-based Intrinsic Value ($126.09), suggesting severe overvaluation. This fundamental weakness is compounded by a 0/100 technical trend and aggressive insider selling totaling over $25M. While profitability remains strong with a 26.35% ROE, the lack of price momentum and valuation gap outweigh the operational strengths.

Strengths
Strong profitability with ROE at 26.35% and Gross Margins at 61.03%
Consistent earnings track record with 3 of the last 4 quarters beating estimates
Very sustainable dividend payout ratio of 21.03%
Risks
Significant overvaluation relative to Graham Number ($79.65) and Intrinsic Value ($126.09)
Bearish insider sentiment with 14 sell transactions and zero buys in 6 months
Liquidity risk indicated by a Current Ratio of 0.98 and Quick Ratio of 0.89
OMF BULLISH

OMF presents a compelling value opportunity, trading at $58.77, which is below its Graham Number of $65.45. While the Piotroski F-Score of 4/9 indicates only stable financial health, the company's valuation is highly attractive with a P/E of 8.96 and a PEG ratio of 0.75. Exceptional earnings growth (63.7% YoY) and a strong ROE of 23.76% offset the risks associated with high leverage. Despite bearish insider sentiment and technicals, the fundamental growth and dividend yield provide a strong margin of safety.

Strengths
Significant undervaluation indicated by PEG ratio of 0.75 and P/E of 8.96
Strong profitability with ROE at 23.76% and Operating Margin at 33.65%
Robust earnings growth (63.7% YoY) and consistent history of beating estimates
Risks
Very high leverage with a Debt/Equity ratio of 6.71
Bearish insider activity with significant selling by the CEO and COO
Technical trend is currently 0/100 (Bearish)

Compare Another Pair

MORN vs OMF: Head-to-Head Comparison

This page compares Morningstar, Inc. (MORN) and OneMain Holdings, Inc. (OMF) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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