Market cap
$6,427 Mln
Revenue (TTM)
$6,418 Mln
P/E Ratio
8.4
P/B Ratio
1.9
Div. Yield
7.6 %
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
6,427 | 11,453 | 9,124 | 5,476 | 5,087 |
Revenue ($ Mln) |
6,418 | 15,841 | 4,120 | 2,324 | 2,904 |
Net Profit ($ Mln) |
781.00 | 1,454.00 | 388.15 | 501.90 | -49.00 |
Net Margin (%) |
12.17 | 9.18 | 9.42 | 21.60 | -1.69 |
RoE (%) |
23.02 | 9.38 | 16.88 | 32.25 | -2.04 |
Price to Earnings |
8.35 | 8.86 | 23.69 | 11.64 | 13.90 |
Price-To-Book |
1.95 | 0.87 | 4.09 | 3.62 | -- |
Income Statement ($ Mln)
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
6,418.00 | 15,841.00 | 4,120.34 | 2,323.70 | 2,904.00 |
|
Cost of Revenue
|
2,334.00 | 7,968.00 | 2,104.65 | 239.70 | 124.00 |
|
Gross Profit
|
2,973.00 | 6,318.00 | 1,891.51 | 2,288.20 | 2,959.00 |
|
Operating Expenses
|
2,428.00 | 6,037.00 | 1,351.92 | 1,075.10 | 365.00 |
|
Operating Profit (EBIT)
|
1,656.00 | 1,836.00 | 663.77 | 1,008.90 | 2,416.00 |
|
Other Income
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Profit before Tax
|
1,004.00 | 1,836.00 | 527.40 | 649.50 | -53.00 |
|
Provision for Tax
|
223.00 | 382.00 | 139.25 | 147.60 | -3.00 |
|
Profit after Tax (Net Income)
|
781.00 | 1,454.00 | 388.15 | 501.90 | -49.00 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Consolidated Profit
|
403.00 | 671.00 | 0.00 | 0.00 | 0.00 |
Liabilities ($ Mln)
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
3,383.00 | 15,491.00 | 2,321.79 | 1,588.90 | 2,398.00 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Non-Current Liabilities
|
24,040.00 | 17,295.00 | 2,750.66 | 6,635.40 | 40,685.00 |
|
Current Liabilities
|
1.00 | 167,228.00 | 413.12 | 398.30 | 4,214.00 |
|
Total Liabilities
|
27,388.00 | 196,002.00 | 5,300.76 | 9,598.50 | 48,681.00 |
Assets ($ Mln)
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
1,753.00 | 50,000.00 | 3,466.86 | 130.70 | 430.00 |
|
Current Assets
|
2,216.00 | 149,722.00 | 2,018.71 | 8,451.30 | 2,139.00 |
|
Total Assets
|
27,388.00 | 196,002.00 | 5,300.76 | 9,598.50 | 48,681.00 |
|
Total Debt*
|
22,769.00 | 22,969.00 | 2,703.02 | 6,286.20 | 4,214.00 |
|
Net Current Assets
|
0.00 | 0.00 | 0.00 | 8,070.10 | 0.00 |
Cashflow ($ Mln)
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
3,130.00 | 3,628.00 | 585.94 | 1,054.60 | 441.00 |
|
Cash Flow from Investing Activities
|
-3,161.00 | -5,163.00 | -828.05 | -674.30 | 2,712.00 |
|
Cash from Financing Activities
|
520.00 | 1,956.00 | 176.41 | -724.60 | -3,152.00 |
|
Net Cash Inflow / Outflow
|
-- | -- | -- | -- | -- |
Ratios
Profitability Ratios
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
3.09 | 2.42 | 7.18 | 5.31 | -0.30 |
|
ROE (%)
|
23.02 | 9.38 | 16.88 | 32.25 | -2.04 |
|
ROA (%)
|
2.68 | 0.51 | 6.29 | 5.51 | -0.10 |
|
EBIT Margin (%)
|
25.74 | 8.20 | 16.24 | 41.88 | 0.00 |
|
Net Margin (%)
|
12.17 | 9.18 | 9.42 | 21.60 | -1.69 |
|
Cash Profit Margin (%)
|
0.00 | 0.00 | 0.00 | 0.00 | -- |
Growth Ratios
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
6.97 | 2.04 | 21.61 | 3.77 | 15.47 |
|
EBIT Growth (%)
|
92.09 | 131.96 | 35.05 | 84.58 | -- |
|
Net Profit Growth (%)
|
17.80 | 145.61 | 33.03 | 18.26 | -244.12 |
|
EPS Growth (%)
|
19.90 | 145.37 | 34.70 | 31.09 | -251.05 |
|
Book Value Growth (%)
|
4.88 | 6.97 | 10.26 | 12.07 | -1.55 |
Valuation Ratios
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
10.21 | 16.71 | 21.37 | 11.62 | -24.92 |
|
Price / Book Value
|
2.35 | 0.92 | 3.10 | 3.23 | 0.83 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
22.79 | 2.74 | 9.75 | 10.18 | 1,654.11 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
6.73 | 1.10 | 0.00 | 3.96 | 0.00 |
|
Short term debt to equity ratio
|
0.00 | 0.38 | 0.05 | 0.00 | 1.76 |
|
Current Ratio
|
2,216.00 | 0.90 | 4.89 | 21.22 | 0.51 |
|
Quick Ratio
|
2,216.00 | 0.90 | 3.51 | 21.22 | 0.51 |
|
Interest Coverage
|
1.78 | 1.30 | 4.83 | 2.97 | 0.98 |
Operating Efficiency Ratios
| OneMain Holdings (OMF) | Ally Financial (ALLY) | FirstCash Holdings (FCFS) | Credit Acceptance (CACC) | Navient Corporation 6% Senior Notes due December 15 2043 (JSM) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
0.00 | 890.39 | 24.72 | 342.52 | 0.00 |
|
Asset Turnover
|
0.22 | 0.06 | 0.67 | 0.26 | 0.06 |
|
Receivable days
|
1,207.54 | 2,074.31 | 91.60 | 5.63 | -- |
|
Inventory Days
|
-- | -- | 84.82 | -- | -- |
|
Payable days
|
-- | 4,789.18 | 5.95 | 4,508.95 | -- |
|
Cash Conversion Cycle
|
-- | -- | 170.47 | -- | -- |