Is OMF or SLM more undervalued in 2026?

CirclFi compares OneMain Holdings, Inc. (OMF) and SLM Corporation (SLM) using 13 institutional-grade valuation models. OMF has a Quality of Company score of 7.6/10 while SLM scores 7.6/10.

Which is a better buy — OMF or SLM?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do OMF and SLM valuations compare?

OMF at $55.31 and SLM at $22.12 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OMF vs SLM Valuation Comparison 2026 — Intrinsic Value Analysis

OMF

Personal Credit Institutions

OneMain Holdings, Inc.

Quality

7.6

out of 10

Value Trap

SAFE

Price

$55.31

Last close

Models

6/13

Active

SLM

Personal Credit Institutions

SLM Corporation

Quality

7.6

out of 10

Value Trap

LOW

Price

$22.12

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	OMF Fair Value	OMF Upside	SLM Fair Value	SLM Upside
Bayesian DCF	Intrinsic	$116.43	+110.5%	$8.74	-60.5%
Earnings Power Value	Intrinsic	—	—	$24.84	+12.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$102.04	+84.5%	$89.39	+304.1%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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OMF vs SLM — Which Stock Is More Undervalued?

SLM scores higher with a 7.6/10 quality rating vs OMF's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing OneMain Holdings, Inc. (OMF) and SLM Corporation (SLM) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

OMF currently trades at $55.31 with a QOC of 7.6/10, while SLM trades at $22.12 with a QOC of 7.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).