Financial Survey: TPG RE Finance Trust (TRTX) vs. OneMain (OMF)

TPG RE Finance Trust (NYSE: TRTX) and OneMain (NYSE:OMF) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, profitability, valuation, earnings and analyst recommendations.

Valuation and Earnings

This table compares TPG RE Finance Trust and OneMain’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
TPG RE Finance Trust $92.39 million 12.62 $69.96 million N/A N/A
OneMain $3.88 billion 0.89 $215.00 million $1.26 20.24

OneMain has higher revenue and earnings than TPG RE Finance Trust.

Analyst Recommendations

This is a summary of recent ratings for TPG RE Finance Trust and OneMain, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
TPG RE Finance Trust 0 2 3 0 2.60
OneMain 0 7 6 0 2.46

TPG RE Finance Trust currently has a consensus target price of $21.20, indicating a potential upside of 8.38%. OneMain has a consensus target price of $33.17, indicating a potential upside of 30.07%. Given OneMain’s higher possible upside, analysts plainly believe OneMain is more favorable than TPG RE Finance Trust.

Dividends

TPG RE Finance Trust pays an annual dividend of $0.33 per share and has a dividend yield of 1.7%. OneMain does not pay a dividend.

Insider and Institutional Ownership

26.4% of TPG RE Finance Trust shares are owned by institutional investors. Comparatively, 95.9% of OneMain shares are owned by institutional investors. 57.7% of OneMain shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares TPG RE Finance Trust and OneMain’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
TPG RE Finance Trust N/A N/A N/A
OneMain 4.85% 14.15% 2.41%

Summary

OneMain beats TPG RE Finance Trust on 9 of the 12 factors compared between the two stocks.

TPG RE Finance Trust Company Profile

TPG RE Finance Trust, Inc. is a commercial real estate finance company. The Company is engaged in originating, acquiring and managing commercial mortgage loans and other commercial real estate-related debt instruments. It focuses primarily on directly originating and selectively acquiring floating rate first mortgage loans that are secured by high quality commercial real estate properties undergoing some form of transition and value creation, such as re-tenanting, refurbishment or other form of repositioning. As of December 31, 2016, the Company’s portfolio consisted of 54 first mortgage loans. As of December 31, 2016, 97% of the loan commitments in its portfolio consisted of floating rate loans, and 98.6% of the loan commitments in its portfolio consisted of first mortgage loans.

OneMain Company Profile

OneMain Holdings, Inc. is a financial services holding company. The Company is a consumer finance company, which is engaged in providing personal loan products; credit and non-credit insurance, and service loans owned by it and service or subservice loans owned by third-parties. The Company’s segments include Consumer and Insurance; Acquisitions and Servicing; Real Estate, and Other. It is engaged in pursuing strategic acquisitions and dispositions of assets and businesses, including loan portfolios or other financial assets. The Company originates and services personal loans (secured and unsecured) through two business divisions: branch operations and centralized operations. As of December 31, 2016, its combined branch operations included over 1,800 branch offices in 44 states. It offers optional credit insurance products to its customers, including credit life insurance, credit disability insurance, credit involuntary unemployment insurance and collateral protection insurance.

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