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OMF vs STEP

OMF
OneMain Holdings, Inc.
BULLISH
Price
$58.77
Market Cap
$6.79B
Sector
Financial Services
AI Confidence
75%
STEP
StepStone Group Inc.
NEUTRAL
Price
$54.97
Market Cap
$6.87B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
OMF
8.96
STEP
--
Forward P/E
OMF
6.66
STEP
21.89
P/B Ratio
OMF
2.03
STEP
-11.63
P/S Ratio
OMF
2.28
STEP
3.85
EV/EBITDA
OMF
--
STEP
-5.51

Profitability

Gross Margin
OMF
93.34%
STEP
-46.38%
Operating Margin
OMF
33.65%
STEP
-37.71%
Profit Margin
OMF
26.34%
STEP
-30.66%
ROE
OMF
23.76%
STEP
-65.12%
ROA
OMF
2.94%
STEP
-13.15%

Growth

Revenue Growth
OMF
12.2%
STEP
73.0%
Earnings Growth
OMF
63.7%
STEP
--

Financial Health

Debt/Equity
OMF
6.71
STEP
0.73
Current Ratio
OMF
422.3
STEP
0.67
Quick Ratio
OMF
409.35
STEP
0.66

Dividends

Dividend Yield
OMF
7.15%
STEP
2.69%
Payout Ratio
OMF
63.57%
STEP
167.21%

AI Verdict

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)
STEP NEUTRAL

StepStone Group presents a stark contrast between explosive growth and deteriorating fundamental health, evidenced by a weak Piotroski F-Score of 3/9. While revenue growth is exceptional at 73% YoY and analysts maintain a strong buy rating, the company suffers from negative profit margins, negative ROE, and a current ratio below 1.0. The dividend is currently unsustainable with a payout ratio of 167.21%, and heavy insider selling by the CEO and COO suggests a lack of confidence at current valuation levels. The stock is essentially a high-growth play with significant balance sheet risks.

Strengths
Exceptional revenue growth of 73% YoY
Strong EPS growth trajectory (+47.7% YoY)
Consistent history of beating quarterly earnings estimates
Risks
Weak financial health indicated by Piotroski F-Score of 3/9
Unsustainable dividend payout ratio of 167.21%
Negative shareholders' equity (Price/Book of -11.63)

Compare Another Pair

OMF vs STEP: Head-to-Head Comparison

This page compares OneMain Holdings, Inc. (OMF) and StepStone Group Inc. (STEP) 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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