Filing Flows › Comparisons › OMF vs BFH
OneMain Holdings vs Bread Financial Holdings: OMF and BFH compared
OneMain Holdings is the larger company: $1.4B of revenue in its latest quarter (Q3 2026) against $1.0B for Bread Financial Holdings (Q3 2026). OneMain Holdings is growing faster (+10% against +5% a year earlier). Bread Financial Holdings is more profitable, with an operating margin of 20.6% against 17.2%.
Where the money goes: OMF and BFH
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.
Bread Financial Holdings (BFH) · Q3 2026
Bread Financial Holdings, Q3 2026: revenue $1.0B (+5% year over year), operating margin 20.6%, net earnings $156M, operating cash flow $601M. The chart follows the revenue to costs, profit and cash.
| OneMain Holdings (OMF) | Bread Financial Holdings (BFH) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.4B | $1.0B |
| Revenue growth, Y/Y | +10% | +5% |
| Operating margin | 17.2% | 20.6% |
| Net earnings | $185M | $156M |
| Net margin | 13.6% | 15.3% |
| Operating cash flow | $808M | $601M |
| Market value | $6.8B | $4.0B |
| P/E | 8.5× | 8.0× |
| Analysts’ mean target | $66.86 | $114.81 |
Where the revenue comes from
OneMain Holdings
- Net interest income: $1.1B (84%)
- Noninterest income: $212M (16%)
Questions
Which is bigger, OneMain Holdings or Bread Financial Holdings?
OneMain Holdings is the larger company: $1.4B of revenue in its latest quarter (Q3 2026) against $1.0B for Bread Financial Holdings (Q3 2026).
Is OneMain Holdings or Bread Financial Holdings growing faster?
OneMain Holdings is growing faster (+10% against +5% a year earlier).
Which is more profitable, OneMain Holdings or Bread Financial Holdings?
Bread Financial Holdings is more profitable, with an operating margin of 20.6% against 17.2%.
More: OneMain Holdings earnings · how OneMain Holdings makes money · Bread Financial Holdings earnings · how Bread Financial Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 30, 2026; 10-Q filed Oct 27, 2026). Fiscal quarters can end on different dates. Not investment advice.