(OMF) OneMain Holdings - Overview
Stock: Personal Loans, Auto Financing, Credit Cards, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 7.63% |
| Yield on Cost 5y | 12.57% |
| Yield CAGR 5y | -18.71% |
| Payout Consistency | 92.2% |
| Payout Ratio | 82.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 32.1% |
| Relative Tail Risk | -2.57% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.50 |
| Alpha | -3.74 |
| Character TTM | |
|---|---|
| Beta | 1.450 |
| Beta Downside | 1.628 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.94% |
| CAGR/Max DD | 0.70 |
Description: OMF OneMain Holdings January 08, 2026
OneMain Holdings, Inc. (NYSE: OMF) is a U.S.-based financial-services holding company that originates, underwrites, and services a range of consumer credit products, including secured personal loans (auto and other titled collateral), unsecured personal loans, credit cards, and various optional insurance coverages such as life, disability, and guaranteed-asset-protection. The firm distributes these products through a nationwide branch network, centralized call-center operations, digital affiliates, and its website. The company, formerly Springleaf Holdings, rebranded to OneMain in November 2015 and traces its roots back to its 1912 founding in Evansville, Indiana.
Key operational metrics (FY 2024) show a loan portfolio of roughly $12 billion, a net interest margin of 6.2 %, and a charge-off rate of 4.8 %-both slightly above the consumer-finance industry averages of 5.9 % and 4.2 % respectively, reflecting the higher-risk sub-prime segment OneMain serves. Revenue growth has been modest, with a 3-year compound annual growth rate of 5 % driven largely by loan volume expansion rather than pricing power, which is constrained by the Federal Reserve’s tightening cycle that raises borrowing costs for sub-prime borrowers. Unemployment trends and disposable-income pressure remain the primary macro drivers of loan demand and credit-quality risk for the company.
For a deeper, data-rich view of OneMain’s valuation dynamics, you might explore the analyst dashboards on ValueRay to see how these fundamentals translate into forward-looking price targets.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 705.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.11 > 0.02 and ΔFCF/TA 0.92 > 1.0 |
| NWC/Revenue: 14.23% < 20% (prev 10.18%; Δ 4.05% < -1%) |
| CFO/TA 0.11 > 3% & CFO 3.02b > Net Income 705.0m |
| Net Debt (21.93b) to EBITDA (1.20b): 18.28 < 3 |
| Current Ratio: 873.0 > 1.5 & < 3 |
| Outstanding Shares: last quarter (119.4m) vs 12m ago -0.60% < -2% |
| Gross Margin: 47.19% > 18% (prev 0.44%; Δ 4674 % > 0.5%) |
| Asset Turnover: 23.32% > 50% (prev 21.89%; Δ 1.43% > 0%) |
| Interest Coverage Ratio: 0.73 > 6 (EBITDA TTM 1.20b / Interest Expense TTM 1.26b) |
Altman Z'' 0.86
| A: 0.03 (Total Current Assets 873.0m - Total Current Liabilities 1.00m) / Total Assets 26.98b |
| B: 0.09 (Retained Earnings 2.50b / Total Assets 26.98b) |
| C: 0.03 (EBIT TTM 916.0m / Avg Total Assets 26.28b) |
| D: 0.10 (Book Value of Equity 2.45b / Total Liabilities 23.61b) |
| Altman-Z'' Score: 0.86 = B |
Beneish M -3.13
| DSRI: 0.97 (Receivables 20.87b/19.68b, Revenue 6.13b/5.60b) |
| GMI: 0.94 (GM 47.19% / 44.48%) |
| AQI: 1.00 (AQ_t 0.96 / AQ_t-1 0.96) |
| SGI: 1.09 (Revenue 6.13b / 5.60b) |
| TATA: -0.09 (NI 705.0m - CFO 3.02b) / TA 26.98b) |
| Beneish M-Score: -3.13 (Cap -4..+1) = AA |
What is the price of OMF shares?
Over the past week, the price has changed by -5.95%, over one month by -13.63%, over three months by +5.70% and over the past year by +17.01%.
Is OMF a buy, sell or hold?
- StrongBuy: 8
- Buy: 3
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the OMF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 74.8 | 21.3% |
| Analysts Target Price | 74.8 | 21.3% |
| ValueRay Target Price | 74.2 | 20.4% |
OMF Fundamental Data Overview February 02, 2026
P/E Forward = 8.4175
P/S = 2.6939
P/B = 2.3038
P/EG = 0.61
Revenue TTM = 6.13b USD
EBIT TTM = 916.0m USD
EBITDA TTM = 1.20b USD
Long Term Debt = 22.34b USD (from longTermDebt, last quarter)
Short Term Debt = 1.00m USD (from shortTermDebt, last quarter)
Debt = 22.34b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 21.93b USD (from netDebt column, last quarter)
Enterprise Value = 29.47b USD (7.79b + Debt 22.34b - CCE 658.0m)
Interest Coverage Ratio = 0.73 (Ebit TTM 916.0m / Interest Expense TTM 1.26b)
EV/FCF = 9.76x (Enterprise Value 29.47b / FCF TTM 3.02b)
FCF Yield = 10.24% (FCF TTM 3.02b / Enterprise Value 29.47b)
FCF Margin = 49.26% (FCF TTM 3.02b / Revenue TTM 6.13b)
Net Margin = 11.50% (Net Income TTM 705.0m / Revenue TTM 6.13b)
Gross Margin = 47.19% ((Revenue TTM 6.13b - Cost of Revenue TTM 3.24b) / Revenue TTM)
Gross Margin QoQ = 49.31% (prev 46.09%)
Tobins Q-Ratio = 1.09 (Enterprise Value 29.47b / Total Assets 26.98b)
Interest Expense / Debt = 1.43% (Interest Expense 320.0m / Debt 22.34b)
Taxrate = 24.33% (64.0m / 263.0m)
NOPAT = 693.1m (EBIT 916.0m * (1 - 24.33%))
Current Ratio = 873.0 (out of range, set to none) (Total Current Assets 873.0m / Total Current Liabilities 1.00m)
Debt / Equity = 6.61 (Debt 22.34b / totalStockholderEquity, last quarter 3.38b)
Debt / EBITDA = 18.28 (Net Debt 21.93b / EBITDA 1.20b)
Debt / FCF = 7.26 (Net Debt 21.93b / FCF TTM 3.02b)
Total Stockholder Equity = 3.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.68% (Net Income 705.0m / Total Assets 26.98b)
RoE = 21.40% (Net Income TTM 705.0m / Total Stockholder Equity 3.29b)
RoCE = 3.57% (EBIT 916.0m / Capital Employed (Equity 3.29b + L.T.Debt 22.34b))
RoIC = 2.76% (NOPAT 693.1m / Invested Capital 25.12b)
WACC = 3.72% (E(7.79b)/V(30.13b) * Re(11.26%) + D(22.34b)/V(30.13b) * Rd(1.43%) * (1-Tc(0.24)))
Discount Rate = 11.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.29%
[DCF Debug] Terminal Value 86.91% ; FCFF base≈2.86b ; Y1≈3.04b ; Y5≈3.63b
Fair Price DCF = 727.5 (EV 107.58b - Net Debt 21.93b = Equity 85.65b / Shares 117.7m; r=5.90% [WACC]; 5y FCF grow 6.90% → 2.90% )
EPS Correlation: -50.38 | EPS CAGR: -53.13% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.67 | Revenue CAGR: 8.50% | SUE: 0.70 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.07 | Chg30d=-0.008 | Revisions Net=+0 | Analysts=13
EPS next Year (2026-12-31): EPS=7.93 | Chg30d=-0.098 | Revisions Net=-4 | Growth EPS=+19.8% | Growth Revenue=+7.4%