(OMF) OneMain Holdings - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 6.668m USD | Total Return: 36.8% in 12m
Loans, Insurance, Credit Cards, Financing
Total Rating 43
Safety 67
Buy Signal -0.27
Credit Services
Industry Rotation: -5.6
Industry Rotation: -5.6
Market Cap:
6.67B
Avg Turnover: 63.7M USD
Avg Turnover: 63.7M USD
ATR:
3.23%
Peers RS (IBD): 58.3
Peers RS (IBD): 58.3
Risk 5d forecast
Volatility32.3%
Rel. Tail Risk-1.17%
Reward TTM
Sharpe Ratio0.93
Alpha-1.18
Character TTM
Beta1.354
Beta Downside2.186
Drawdowns 3y
Max DD29.94%
CAGR/Max DD0.81
EPS (Earnings per Share)
EPS CAGR: -50.39%
EPS Trend: -37.3%
EPS Trend: -37.3%
Last SUE: -4.00
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 6.99%
Rev. Trend: 97.7%
Rev. Trend: 97.7%
Last SUE: 2.55
Qual. Beats: 1
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: OMF OneMain Holdings
OneMain Holdings, Inc. (OMF) is a U.S.-based financial services holding company specializing in consumer finance and insurance. The companys primary business involves originating, underwriting, and servicing consumer loans, including personal loans and auto financing. This business model typically targets individuals with limited access to traditional credit markets.
OMF also offers secured auto financing, credit cards, and various insurance products. These insurance offerings include credit insurance (life, disability, involuntary unemployment), non-credit insurance, and guaranteed asset protection. The consumer finance sector often sees demand fluctuations tied to economic cycles and consumer spending habits.
Loan distribution occurs through a branch network, central operations, digital affiliates, and its website. OneMain Holdings, Inc. was incorporated in 2013 and is headquartered in Evansville, Indiana. To gain a deeper understanding of OMFs financial performance and market position, continue your research on ValueRay.
- Consumer loan demand impacts origination volume
- Interest rate changes affect net interest margin
- Loan loss provisions reflect credit quality
- Regulatory scrutiny on consumer lending practices
- Economic downturns increase loan defaults
Piotroski VR‑10 (Strict)
5.0
| Net Income: 783.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.11 > 0.02 and ΔFCF/TA 1.02 > 1.0 |
| NWC/Revenue: 32.56% < 20% (prev 43.77%; Δ -11.21% < -1%) |
| CFO/TA 0.11 > 3% & CFO 3.13b > Net Income 783.0m |
| Net Debt (21.78b) to EBITDA (1.29b): 16.91 < 3 |
| Current Ratio: 2.03k > 1.5 & < 3 |
| Outstanding Shares: last quarter (118.3m) vs 12m ago -1.52% < -2% |
| Gross Margin: 47.62% > 18% (prev 0.44%; Δ 4.72k% > 0.5%) |
| Asset Turnover: 23.43% > 50% (prev 22.09%; Δ 1.34% > 0%) |
| Interest Coverage Ratio: 0.79 > 6 (EBITDA TTM 1.29b / Interest Expense TTM 1.27b) |
Altman Z''
1.16
| A: 0.07 (Total Current Assets 2.03b - Total Current Liabilities 1.00m) / Total Assets 27.39b |
| B: 0.09 (Retained Earnings 2.58b / Total Assets 27.39b) |
| C: 0.04 (EBIT TTM 1.00b / Avg Total Assets 26.65b) |
| D: 0.11 (Book Value of Equity 2.54b / Total Liabilities 23.99b) |
| Altman-Z'' Score: 1.16 = BB |
Beneish M
-3.13
| DSRI: 0.97 (Receivables 21.18b/20.10b, Revenue 6.24b/5.72b) |
| GMI: 0.92 (GM 47.62% / 43.63%) |
| AQI: 1.03 (AQ_t 0.92 / AQ_t-1 0.89) |
| SGI: 1.09 (Revenue 6.24b / 5.72b) |
| TATA: -0.09 (NI 783.0m - CFO 3.13b) / TA 27.39b) |
| Beneish M-Score: -3.13 (Cap -4..+1) = AA |
What is the price of OMF shares?
As of April 13, 2026, the stock is trading at USD 55.96 with a total of 762,961 shares traded.
Over the past week, the price has changed by +1.80%, over one month by +6.21%, over three months by -14.38% and over the past year by +36.76%.
Over the past week, the price has changed by +1.80%, over one month by +6.21%, over three months by -14.38% and over the past year by +36.76%.
Is OMF a buy, sell or hold?
OneMain Holdings has received a consensus analysts rating of 4.19.
Therefore, it is recommended to buy OMF.
- StrongBuy: 8
- Buy: 3
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the OMF price?
| Analysts Target Price | 68 | 21.5% |
OneMain Holdings (OMF) - Fundamental Data Overview
as of 11 April 2026
P/E Trailing = 8.6341 P/E Forward = 7.8431
P/S = 2.243
P/B = 1.951
P/EG = 0.7458
Revenue TTM = 6.24b USD
EBIT TTM = 1.00b USD
EBITDA TTM = 1.29b USD
Long Term Debt = 22.69b USD (from longTermDebt, last quarter)
Short Term Debt = 1.00m USD (from shortTermDebt, two quarters ago)
Debt = 22.69b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 21.78b USD (from netDebt column, last quarter)
Enterprise Value = 28.45b USD (6.67b + Debt 22.69b - CCE 914.0m)
Interest Coverage Ratio = 0.79 (Ebit TTM 1.00b / Interest Expense TTM 1.27b)
EV/FCF = 9.08x (Enterprise Value 28.45b / FCF TTM 3.13b)
FCF Yield = 11.01% (FCF TTM 3.13b / Enterprise Value 28.45b)
FCF Margin = 50.17% (FCF TTM 3.13b / Revenue TTM 6.24b)
Net Margin = 12.54% (Net Income TTM 783.0m / Revenue TTM 6.24b)
Gross Margin = 47.62% ((Revenue TTM 6.24b - Cost of Revenue TTM 3.27b) / Revenue TTM)
Gross Margin QoQ = 46.28% (prev 49.31%)
Tobins Q-Ratio = 1.04 (Enterprise Value 28.45b / Total Assets 27.39b)
Interest Expense / Debt = 1.42% (Interest Expense 323.0m / Debt 22.69b)
Taxrate = 18.07% (45.0m / 249.0m)
NOPAT = 820.1m (EBIT 1.00b * (1 - 18.07%))
Current Ratio = 2.03k (out of range, set to none) (Total Current Assets 2.03b / Total Current Liabilities 1.00m)
Debt / Equity = 6.67 (Debt 22.69b / totalStockholderEquity, last quarter 3.40b)
Debt / EBITDA = 16.91 (Net Debt 21.78b / EBITDA 1.29b)
Debt / FCF = 6.95 (Net Debt 21.78b / FCF TTM 3.13b)
Total Stockholder Equity = 3.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.94% (Net Income 783.0m / Total Assets 27.39b)
RoE = 23.40% (Net Income TTM 783.0m / Total Stockholder Equity 3.35b)
RoCE = 3.84% (EBIT 1.00b / Capital Employed (Equity 3.35b + L.T.Debt 22.69b))
RoIC = 3.22% (NOPAT 820.1m / Invested Capital 25.49b)
WACC = 3.34% (E(6.67b)/V(29.36b) * Re(10.75%) + D(22.69b)/V(29.36b) * Rd(1.42%) * (1-Tc(0.18)))
Discount Rate = 10.75% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.75%
[DCF] Terminal Value 86.93% ; FCFF base≈2.96b ; Y1≈3.15b ; Y5≈3.78b
[DCF] Fair Price = 765.4 (EV 111.45b - Net Debt 21.78b = Equity 89.67b / Shares 117.2m; r=6.0% [WACC]; 5y FCF grow 7.04% → 3.0% )
EPS Correlation: -37.25 | EPS CAGR: -50.39% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.73 | Revenue CAGR: 6.99% | SUE: 2.55 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.48 | Chg7d=-0.055 | Chg30d=-0.083 | Revisions Net=-3 | Analysts=15
EPS current Year (2026-12-31): EPS=7.37 | Chg7d=-0.092 | Chg30d=-0.125 | Revisions Net=-4 | Growth EPS=+10.7% | Growth Revenue=+6.9%
EPS next Year (2027-12-31): EPS=8.83 | Chg7d=-0.094 | Chg30d=-0.105 | Revisions Net=-2 | Growth EPS=+19.8% | Growth Revenue=+7.2%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.8% (Discount Rate 10.8% - Earnings Yield 11.6%)
[Growth] Growth Spread = +7.8% (Analyst 7.0% - Implied -0.8%)
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