COMP <GO>
CACC vs OMF // 10Y YIELD & FRED MACRO BETA
Credit Acceptance Corporation (NASDAQ) VS. OneMain Holdings Inc. (NYSE) • 15-METRIC TALLY: CACC 0
— OMF 10
▲ 10Y YIELD & FRED MACRO BETA LEADER: OMF
LAST: $464.89 (-19.26%) • MKT CAP: $4.71B
macro-sensitivity
1.02
LAST: $56.55 (-4.70%) • MKT CAP: $6.51B
macro-sensitivity
1.04
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CACC VS. OMF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CACC | OMF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.00% | 6.00% | -6.00 | OMF | /roic <GO> |
| EV/EBITDA & P/E Valuation | 95.0x | 15.5x | +79.50 | OMF | /valuation <GO> |
| Free Cash Flow Yield | 17.62% | 22.00% | -4.38 | OMF | /fcf-yield <GO> |
| Operating Margin | 0.00% | 50.00% | -50.00 | OMF | /operating-margins <GO> |
| Net Profit Margin | 0.00% | 41.00% | -41.00 | OMF | /net-margins <GO> |
| Revenue Growth (YoY) | 7.20% | 23.10% | -15.90 | OMF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 7.31% | -7.31 | OMF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.3 | 46.6 | -7.30 | OMF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 1.02 | 1.04 | -0.02 | OMF | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 7.3x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.71B | $6.51B | -$1.79B | OMF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CACC REV | OMF REV | CACC GROSS % | OMF GROSS % | CACC FCF | OMF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.32B | $0 | — | — | $1.05B | $3.13B |
| FY 2024 | $2.16B | $0 | — | — | $1.14B | $2.70B |
| FY 2023 | $1.90B | $0 | — | — | $1.12B | $2.52B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CACC // BETA 1.02
OMF // BETA 1.04