vs
OneMain Holdings, Inc.（OMF）与WORLD ACCEPTANCE CORP（WRLD）财务数据对比。点击上方公司名可切换其他公司
OneMain Holdings, Inc.的季度营收约是WORLD ACCEPTANCE CORP的7.7倍（$1.1B vs $141.3M）。OneMain Holdings, Inc.净利率更高（18.7% vs -0.6%，领先19.3%）。OneMain Holdings, Inc.同比增速更快（8.3% vs 1.9%）。过去两年OneMain Holdings, Inc.的营收复合增速更高（10.4% vs -5.8%）
OneMain Holdings, Inc.是一家美国金融服务控股企业，总部位于印第安纳州埃文斯维尔，在全美多地设有核心办事机构。公司全资持有OneMain金融公司及其子公司，以OneMain Financial为品牌经营消费金融与保险业务，主要面向难以从银行等传统贷款机构获得服务的客户提供个人贷款及可选保险产品。
本公司是一家汽车金融企业，主营汽车贷款及相关金融产品，业务通过全国合作经销商网络开展。目前公司运营两大核心业务项目，分别为投资组合项目与收购项目，通过这两个项目，公司可向汽车经销商预先提供资金，以此获得底层消费贷款的服务权等相关权益。
OMF vs WRLD — 直观对比
营收规模更大
OMF
是对方的7.7倍
$141.3M
营收增速更快
OMF
高出6.4%
1.9%
净利率更高
OMF
高出19.3%
-0.6%
两年增速更快
OMF
近两年复合增速
-5.8%
损益表 — Q4 2025 vs Q3 2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $141.3M |
| 净利润 | $204.0M | $-911.3K |
| 毛利率 | — | — |
| 营业利润率 | 22.8% | -0.7% |
| 净利率 | 18.7% | -0.6% |
| 营收同比 | 8.3% | 1.9% |
| 净利润同比 | 61.9% | -106.8% |
| 每股收益（稀释后） | $1.71 | $-0.19 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收OMFWRLD
| Q4 25 | $1.1B | $141.3M | ||
| Q3 25 | $1.1B | $134.5M | ||
| Q2 25 | $1.0B | $132.5M | ||
| Q1 25 | $996.0M | $165.3M | ||
| Q4 24 | $1.0B | $138.6M | ||
| Q3 24 | $981.0M | $131.4M | ||
| Q2 24 | $922.0M | $129.5M | ||
| Q1 24 | $896.0M | $159.3M |
净利润OMFWRLD
| Q4 25 | $204.0M | $-911.3K | ||
| Q3 25 | $199.0M | $-1.9M | ||
| Q2 25 | $167.0M | $1.3M | ||
| Q1 25 | $213.0M | $44.3M | ||
| Q4 24 | $126.0M | $13.4M | ||
| Q3 24 | $157.0M | $22.1M | ||
| Q2 24 | $71.0M | $9.9M | ||
| Q1 24 | $155.0M | $35.1M |
营业利润率OMFWRLD
| Q4 25 | 22.8% | -0.7% | ||
| Q3 25 | 24.5% | -1.3% | ||
| Q2 25 | 20.9% | 1.5% | ||
| Q1 25 | 27.6% | 33.3% | ||
| Q4 24 | 16.3% | 11.6% | ||
| Q3 24 | 21.1% | 21.3% | ||
| Q2 24 | 10.0% | 10.0% | ||
| Q1 24 | 22.8% | 29.3% |
净利率OMFWRLD
| Q4 25 | 18.7% | -0.6% | ||
| Q3 25 | 18.6% | -1.4% | ||
| Q2 25 | 16.3% | 1.0% | ||
| Q1 25 | 21.4% | 26.8% | ||
| Q4 24 | 12.5% | 9.7% | ||
| Q3 24 | 16.0% | 16.8% | ||
| Q2 24 | 7.7% | 7.7% | ||
| Q1 24 | 17.3% | 22.0% |
每股收益（稀释后）OMFWRLD
| Q4 25 | $1.71 | $-0.19 | ||
| Q3 25 | $1.67 | $-0.38 | ||
| Q2 25 | $1.40 | $0.25 | ||
| Q1 25 | $1.78 | $8.07 | ||
| Q4 24 | $1.05 | $2.45 | ||
| Q3 24 | $1.31 | $3.99 | ||
| Q2 24 | $0.59 | $1.79 | ||
| Q1 24 | $1.29 | $6.02 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $914.0M | $10.0M |
| 总债务越低越好 | $22.7B | $677.2M |
| 股东权益账面价值 | $3.4B | $351.6M |
| 总资产 | $27.4B | $1.1B |
| 负债/权益比越低杠杆越低 | 6.67× | 1.93× |
8季度趋势，按日历期对齐
现金及短期投资OMFWRLD
| Q4 25 | $914.0M | $10.0M | ||
| Q3 25 | $658.0M | $14.9M | ||
| Q2 25 | $769.0M | $8.1M | ||
| Q1 25 | $627.0M | $4.7M | ||
| Q4 24 | $458.0M | $10.3M | ||
| Q3 24 | $577.0M | $9.7M | ||
| Q2 24 | $667.0M | $11.1M | ||
| Q1 24 | $831.0M | $5.2M |
总债务OMFWRLD
| Q4 25 | $22.7B | $677.2M | ||
| Q3 25 | $22.3B | $584.6M | ||
| Q2 25 | $22.1B | $472.5M | ||
| Q1 25 | $21.5B | $447.9M | ||
| Q4 24 | $21.4B | $561.2M | ||
| Q3 24 | $21.1B | $506.6M | ||
| Q2 24 | $20.7B | $494.7M | ||
| Q1 24 | $19.5B | $498.4M |
股东权益OMFWRLD
| Q4 25 | $3.4B | $351.6M | ||
| Q3 25 | $3.4B | $365.6M | ||
| Q2 25 | $3.3B | $427.9M | ||
| Q1 25 | $3.3B | $439.5M | ||
| Q4 24 | $3.2B | $428.2M | ||
| Q3 24 | $3.2B | $417.5M | ||
| Q2 24 | $3.2B | $422.6M | ||
| Q1 24 | $3.2B | $424.4M |
总资产OMFWRLD
| Q4 25 | $27.4B | $1.1B | ||
| Q3 25 | $27.0B | $1.1B | ||
| Q2 25 | $26.6B | $1.0B | ||
| Q1 25 | $26.0B | $1.0B | ||
| Q4 24 | $25.9B | $1.1B | ||
| Q3 24 | $25.6B | $1.0B | ||
| Q2 24 | $25.1B | $1.0B | ||
| Q1 24 | $23.9B | $1.1B |
负债/权益比OMFWRLD
| Q4 25 | 6.67× | 1.93× | ||
| Q3 25 | 6.61× | 1.60× | ||
| Q2 25 | 6.63× | 1.10× | ||
| Q1 25 | 6.55× | 1.02× | ||
| Q4 24 | 6.72× | 1.31× | ||
| Q3 24 | 6.59× | 1.21× | ||
| Q2 24 | 6.56× | 1.17× | ||
| Q1 24 | 6.07× | 1.17× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $865.0M | $58.0M |
| 自由现金流经营现金流 - 资本支出 | — | $57.2M |
| 自由现金流率自由现金流/营收 | — | 40.5% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 现金转化率经营现金流/净利润 | 4.24× | — |
| 过去12个月自由现金流最近4个季度 | — | $252.0M |
8季度趋势，按日历期对齐
经营现金流OMFWRLD
| Q4 25 | $865.0M | $58.0M | ||
| Q3 25 | $828.0M | $48.6M | ||
| Q2 25 | $774.0M | $58.2M | ||
| Q1 25 | $665.0M | $90.9M | ||
| Q4 24 | $752.0M | $61.1M | ||
| Q3 24 | $677.0M | $53.8M | ||
| Q2 24 | $712.0M | $48.4M | ||
| Q1 24 | $558.0M | $83.8M |
自由现金流OMFWRLD
| Q4 25 | — | $57.2M | ||
| Q3 25 | — | $47.7M | ||
| Q2 25 | — | $57.1M | ||
| Q1 25 | — | $90.0M | ||
| Q4 24 | — | $60.4M | ||
| Q3 24 | — | $52.7M | ||
| Q2 24 | — | $47.3M | ||
| Q1 24 | — | $82.3M |
自由现金流率OMFWRLD
| Q4 25 | — | 40.5% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 43.1% | ||
| Q1 25 | — | 54.5% | ||
| Q4 24 | — | 43.6% | ||
| Q3 24 | — | 40.1% | ||
| Q2 24 | — | 36.5% | ||
| Q1 24 | — | 51.7% |
资本支出强度OMFWRLD
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 1.0% |
现金转化率OMFWRLD
| Q4 25 | 4.24× | — | ||
| Q3 25 | 4.16× | — | ||
| Q2 25 | 4.63× | 43.27× | ||
| Q1 25 | 3.12× | 2.05× | ||
| Q4 24 | 5.97× | 4.56× | ||
| Q3 24 | 4.31× | 2.43× | ||
| Q2 24 | 10.03× | 4.87× | ||
| Q1 24 | 3.60× | 2.39× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
