OMF Stock Analysis: OneMain Holdings | NYSE
Credit Services | NYSE, USA | Market Cap: 6.463m USD | 12M Return: 9.7% | US68268W1036 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 53.5M
EPS Trend: 71.9%
Qual. Beats: 0
Rev. Trend: 99.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
OneMain Holdings (NYSE: OMF) is a U.S. financial services holding company focused on consumer finance and insurance. Its core activities include the origination, underwriting, and servicing of personal loans and auto finance products, including secured auto financing. The company also offers credit cards, optional credit and non-credit insurance (such as life, disability, and involuntary unemployment coverage), guaranteed asset protection (GAP) products, and membership plans.
Distribution is conducted through a multi-channel network that combines a physical branch system with central operations, digital affiliates, and the companys website, allowing it to reach borrowers across both traditional and online channels. The company was incorporated in 2013 and is headquartered in Evansville, Indiana. It was formerly known as Springleaf Holdings, Inc., adopting its current name in November 2015.
As a mid-cap stock classified within the GICS Consumer Finance sub-industry, OneMain operates in a sector that typically serves borrowers with limited access to mainstream bank credit, often relying on installment lending, point-of-sale financing, and ancillary insurance products to generate revenue. Its branch-heavy distribution model is relatively distinctive among publicly traded consumer lenders, many of which have shifted toward purely digital origination.
- Net charge-offs on personal loans rise amid subprime credit stress
- Net interest margin compresses as funding costs increase
- Auto finance portfolio expands as secured lending mix grows
| Net Income: 781.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 1.01 > 1.0 |
| NWC/Revenue: 34.51% < 20% (prev 33.08%; Δ 1.43% < -1%) |
| CFO/TA 0.12 > 3% & CFO 3.23b > Net Income 781.0m |
| Net Debt (20.6b) to EBITDA (1.95b): 10.56 < 3 |
| Current Ratio: 2.22k > 1.5 & < 3 |
| Outstanding Shares: last quarter (115.8m) vs 12m ago -3.02% < -2% |
| Gross Margin: 63.63% > 18% (prev 45.97%; Δ 17.67% > 0.5%) |
| Asset Turnover: 23.75% > 50% (prev 22.53%; Δ 1.21% > 0%) |
| Interest Coverage Ratio: 1.28 > 6 (EBIT TTM 1.65b / Interest Expense TTM 1.29b) |
| A: 0.08 (Total Current Assets 2.22b - Total Current Liabilities 1.00m) / Total Assets 27.4b |
| B: 0.10 (Retained Earnings 2.71b / Total Assets 27.4b) |
| C: 0.06 (EBIT TTM 1.65b / Avg Total Assets 27.0b) |
| D: 0.14 (Book Value of Equity 3.38b / Total Liabilities 24.0b) |
| Altman-Z'' = 1.41 = BB |
As of October 08, 2026, the stock is trading at USD 56.07 with a total of 723,816 shares traded. Over the past week, the price has changed by +1.23%, over one month by -11.44%, over three months by -4.41% and over the past year by +9.71%.
Current recommended Stop Loss: 52.80 (which is 5.8% or 2.4 ATR below the current price).
OneMain Holdings has received a consensus analysts rating of 4.13. Therefore, it is recommended to buy OMF.
- StrongBuy: 8
- Buy: 2
- Hold: 4
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 68.5 | 22.2% |
P/E Trailing = 8.4608
P/E Forward = 6.68
P/S = 2.1401
P/B = 1.9468
P/EG = 0.7458
Revenue TTM = 6.42b USD
EBIT TTM = 1.65b USD
EBITDA TTM = 1.95b USD
Long Term Debt = 22.8b USD (from longTermDebt, last quarter)
Short Term Debt = 1.00m USD (from shortTermDebt, last quarter)
Debt = 22.8b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 20.6b USD (calculated: Debt 22.8b - CCE 2.22b)
Enterprise Value = 27.0b USD (6.46b + Debt 22.8b - CCE 2.22b)
Interest Coverage Ratio = 1.28 (Ebit TTM 1.65b / Interest Expense TTM 1.29b)
EV/FCF = 8.36x (Enterprise Value 27.0b / FCF TTM 3.23b)
FCF Yield = 11.96% (FCF TTM 3.23b / Enterprise Value 27.0b)
FCF Margin = 50.36% (FCF TTM 3.23b / Revenue TTM 6.42b)
Net Margin = 12.17% (Net Income TTM 781.0m / Revenue TTM 6.42b)
Gross Margin = 63.63% ((Revenue TTM 6.42b - Cost of Revenue TTM 2.33b) / Revenue TTM)
Gross Margin QoQ = 80.0% (prev 78.89%)
Tobins Q-Ratio = 0.99 (Enterprise Value 27.0b / Total Assets 27.4b)
Interest Expense / Debt = 5.67% (Interest Expense 1.29b / Debt 22.8b)
Taxrate = 22.21% (223.0m / 1.00b)
NOPAT = 1.29b (EBIT 1.65b * (1 - 22.21%))
Current Ratio = 2.22k (out of range, set to none) (Total Current Assets 2.22b / Total Current Liabilities 1.00m)
Debt / Equity = 6.73 (Debt 22.8b / totalStockholderEquity, last quarter 3.38b)
Debt / EBITDA = 10.56 (Net Debt 20.6b / EBITDA 1.95b)
Debt / FCF = 6.36 (Net Debt 20.6b / FCF TTM 3.23b)
Total Stockholder Equity = 3.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.89% (Net Income 781.0m / Total Assets 27.4b)
RoE = 23.07% (Net Income TTM 781.0m / Total Stockholder Equity 3.38b)
RoCE = 6.32% (EBIT 1.65b / Capital Employed (Equity 3.38b + L.T.Debt 22.8b))
RoIC = 4.74% (NOPAT 1.29b / Invested Capital 27.1b)
WACC = 5.64% (E(6.46b)/V(29.2b) * Re(9.98%) + D(22.8b)/V(29.2b) * Rd(5.67%) * (1-Tc(0.22)))
Discount Rate = 9.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -87.81 | Cagr: -1.64%
[DCF] Terminal Value 77.61% ; FCFF base≈3.09b ; Y1≈3.47b ; Y5≈4.85b
[DCF] Fair Price = 459.1 (EV 73.4b - Net Debt 20.6b = Equity 52.8b / Shares 115.0m; r=8.35% [WACC [floored]]; 5y FCF grow 12.69% → 2.50% )
EPS Correlation: 71.91 | EPS CAGR: 9.74% | SUE: 0.0 | # QB: 0
Revenue Correlation: 99.79 | Revenue CAGR: 8.29% | SUE: 0.83 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.64 | Chg30d=-12.64% | Revisions=-50% | Analysts=15
EPS current Year (2026-12-31): EPS=6.81 | Chg30d=-3.97% | Revisions=-50% | GrowthEPS=+2.2% | GrowthRev=+6.6%
EPS next Year (2027-12-31): EPS=8.50 | Chg30d=-1.04% | Revisions=+0% | GrowthEPS=+24.9% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: -55% (up=1, down=7)