OneMain Financial vs Jackson Financial

OneMain Financial (OneMain Holdings, Inc.) and Jackson Financial (JACKSON FINANCIAL INC-A) are presented here in a neutral comparison. This page examines their business models, financial performance, and market context to help readers understand how the two organisations relate. Educational content, not financial advice.

OneMain Financial (OneMain Holdings, Inc.) and Jackson Financial (JACKSON FINANCIAL INC-A) are presented here in a neutral comparison. This page examines their business models, financial performance, ...

Comparison Snapshot

Key Financial Metrics

OMF

Metric

JXN

$7.48B

Market Cap

$7.50B

7.85%

Potential Profit

3.57%

Buy

Analyst Rating

Hold

Investment Analysis

OneMain Financial

OMF

Pros

OneMain Holdings delivered strong year-over-year revenue growth, driven by higher interest income and an expanding loan portfolio.
The company demonstrated robust credit management, with improved net charge-off rates and stable credit metrics.
OneMain generated significant excess capital, enabling increased dividends and share repurchases to reward shareholders.

Considerations

Operating expenses have risen, putting pressure on margins despite overall revenue growth.
The business remains exposed to economic cycles, with potential risks from rising unemployment or interest rate volatility.
Growth is concentrated in non-prime lending, which carries higher credit risk compared to prime segments.

Jackson Financial

JXN

Pros

Jackson Financial maintains a strong capital position, supporting its ability to pay dividends and absorb market volatility.
The company benefits from a diversified product mix, including annuities and retirement solutions, which appeal to a broad customer base.
Jackson has demonstrated consistent profitability, with stable net income and effective expense management in recent quarters.

Considerations

Jackson's performance is sensitive to interest rate movements, which can impact the value of its investment portfolio and annuity sales.
The annuity market is highly competitive, with pressure on pricing and margins from larger industry players.
Regulatory changes in the insurance and retirement sectors could increase compliance costs and affect future growth.

About The Companies

OneMain Financial (OMF)

OneMain Holdings, Inc. (OMF) is a US consumer finance company that provides unsecured and secured personal loans to primarily near-prime and subprime borrowers through a combination of physical branches and digital channels. With a market capitalisation of about $6.72 billion, OneMain earns revenue mainly from interest and fees on loans; its business is driven by loan originations, credit underwriting and portfolio performance. Investors should note the firm’s sensitivity to economic cycles and credit conditions: default rates and loss provisioning can rise when unemployment or borrower stress increases. Higher interest rates can boost lending yields but also squeeze borrowers and demand. Regulatory oversight and competition from banks and fintech lenders are additional considerations. This summary is educational only and not personalised advice — values can rise or fall and past performance is not a guarantee of future returns. Suitability depends on an investor’s risk tolerance, time horizon and circumstances; consult a financial adviser for tailored guidance.

Jackson Financial (JXN)

Jackson Financial Inc. is a US-based financial services company that helps financial professionals and their clients navigate the complexities of retirement planning. Its primary business revolves around offering a diverse suite of annuity products designed to provide income and savings solutions for retirement. The company operates through three main segments: Retail Annuities, which includes variable and fixed index annuities; Institutional Products, offering investment contracts to organisations; and Closed Life and Annuity Blocks, which manages older life insurance and annuity policies. By focusing on the US retail investor market, Jackson Financial aims to be a key player in helping Americans prepare for their financial future. As with any investment, the value can go down as well as up, and returns are not guaranteed.

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