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OneMain Holdings vs Affirm Holdings: OMF and AFRM compared
OneMain Holdings is the larger company: $1.4B of revenue in its latest quarter (Q3 2026) against $1.3B for Affirm Holdings (Q1 FY27). Affirm Holdings is growing faster (+35% against +10% a year earlier). OneMain Holdings is more profitable, with an operating margin of 17.2% against 14.8%.
Where the money goes: OMF and AFRM
OneMain Holdings (OMF) · Q3 2026
OneMain Holdings, Q3 2026: revenue $1.4B (+10% year over year), operating margin 17.2%, net earnings $185M, operating cash flow $808M. The chart follows the revenue to costs, profit and cash.
Affirm Holdings (AFRM) · Q1 FY27
Affirm Holdings, Q1 FY27: revenue $1.3B (+35% year over year), operating margin 14.8%, net earnings $164M, operating cash flow $207M. The chart follows the revenue to costs, profit and cash.
| OneMain Holdings (OMF) | Affirm Holdings (AFRM) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q1 FY27 |
| Revenue | $1.4B | $1.3B |
| Revenue growth, Y/Y | +10% | +35% |
| Operating margin | 17.2% | 14.8% |
| Net earnings | $185M | $164M |
| Net margin | 13.6% | 13.0% |
| Operating cash flow | $808M | $207M |
| Free cash flow | — | $145M |
| Market value | $6.8B | $24.0B |
| P/E | 8.5× | 11.9× |
| Analysts’ mean target | $66.86 | $97.05 |
Where the revenue comes from
OneMain Holdings
- Net interest income: $1.1B (84%)
- Noninterest income: $212M (16%)
Affirm Holdings
- Other revenues: $869M (69%)
- Merchant network revenue: $297M (24%)
- Card network revenue: $96.5M (8%)
Questions
Which is bigger, OneMain Holdings or Affirm Holdings?
OneMain Holdings is the larger company: $1.4B of revenue in its latest quarter (Q3 2026) against $1.3B for Affirm Holdings (Q1 FY27).
Is OneMain Holdings or Affirm Holdings growing faster?
Affirm Holdings is growing faster (+35% against +10% a year earlier).
Which is more profitable, OneMain Holdings or Affirm Holdings?
OneMain Holdings is more profitable, with an operating margin of 17.2% against 14.8%.
More: OneMain Holdings earnings · how OneMain Holdings makes money · Affirm Holdings earnings · how Affirm Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 30, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.