(OMF) OneMain Holdings - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 6.179m USD | Total Return: 9.5% in 12m
Avg Turnover: 59.4M
EPS Trend: 46.1%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
OneMain Holdings, Inc. (OMF) is a financial services company specializing in the consumer finance and insurance sectors within the United States. The firm focuses on the origination, underwriting, and servicing of personal loans, secured auto financing, and credit cards. Their revenue model is supplemented by the sale of optional credit and non-credit insurance products, such as disability and involuntary unemployment coverage, alongside membership plans.
Operating in the non-prime lending sector, OneMain utilizes a hybrid distribution model that combines a physical branch network with digital platforms and central operations. This sub-industry often faces higher credit risk profiles compared to traditional commercial banking, requiring specialized internal credit scoring and localized servicing capabilities to manage loan performance. The company’s integrated insurance offerings act as a risk-mitigation tool for both the lender and the borrower during economic downturns.
Investors can further evaluate these operational metrics and risk factors on ValueRay.
The company, formerly known as Springleaf Holdings, Inc., is headquartered in Evansville, Indiana, and functions as a subsidiary of OMH (ML), L.P.
- Net interest margin sensitivity to Federal Reserve benchmark interest rate fluctuations
- Credit loss performance among subprime borrowers impacts quarterly provision for losses
- Expansion of credit card and auto finance products diversifies revenue streams
- Regulatory oversight of consumer lending practices affects underwriting and fee structures
- Access to securitization markets determines cost of funds and capital liquidity
| Net Income: 796.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 1.09 > 1.0 |
| NWC/Revenue: 38.68% < 20% (prev 31.30%; Δ 7.38% < -1%) |
| CFO/TA 0.12 > 3% & CFO 3.21b > Net Income 796.0m |
| Net Debt (19.9b) to EBITDA (1.64b): 12.20 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (117.3m) vs 12m ago -2.25% < -2% |
| Gross Margin: 55.17% > 18% (prev 0.44%; Δ 5.47k% > 0.5%) |
| Asset Turnover: 23.86% > 50% (prev 22.55%; Δ 1.31% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBITDA TTM 1.64b / Interest Expense TTM 1.28b) |
| A: 0.09 (Total Current Assets 2.45b - Total Current Liabilities 0.0) / Total Assets 27.0b |
| B: 0.10 (Retained Earnings 2.68b / Total Assets 27.0b) |
| C: 0.05 (EBIT TTM 1.34b / Avg Total Assets 26.5b) |
| D: 0.11 (Book Value of Equity 2.63b / Total Liabilities 23.6b) |
| Altman-Z'' = 1.37 = BB |
| DSRI: 0.99 (Receivables 21.2b/19.9b, Revenue 6.33b/5.87b) |
| GMI: 0.80 (GM 55.17% / 44.01%) |
| AQI: 0.98 (AQ_t 0.90 / AQ_t-1 0.92) |
| SGI: 1.08 (Revenue 6.33b / 5.87b) |
| TATA: -0.09 (NI 796.0m - CFO 3.21b) / TA 27.0b) |
| Beneish M = -3.27 (Cap -4..+1) = AA |
As of May 26, 2026, the stock is trading at USD 53.48 with a total of 789,400 shares traded.
Over the past week, the price has changed by -0.07%,
over one month by -7.60%,
over three months by -3.32% and
over the past year by +9.47%.
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
| Analysts Target Price | 67.8 | 26.8% |
P/E Trailing = 7.9702
P/E Forward = 7.215
P/S = 2.0324
P/B = 1.8296
P/EG = 0.7458
Revenue TTM = 6.33b USD
EBIT TTM = 1.34b USD
EBITDA TTM = 1.64b USD
Long Term Debt = 22.4b USD (from longTermDebt, last quarter)
Short Term Debt = 1.00m USD (from shortLongTermDebt, last quarter)
Debt = 22.4b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 19.9b USD (calculated: Debt 22.4b - CCE 2.45b)
Enterprise Value = 26.1b USD (6.18b + Debt 22.4b - CCE 2.45b)
Interest Coverage Ratio = 1.05 (Ebit TTM 1.34b / Interest Expense TTM 1.28b)
EV/FCF = 8.15x (Enterprise Value 26.1b / FCF TTM 3.21b)
FCF Yield = 12.27% (FCF TTM 3.21b / Enterprise Value 26.1b)
FCF Margin = 50.66% (FCF TTM 3.21b / Revenue TTM 6.33b)
Net Margin = 12.58% (Net Income TTM 796.0m / Revenue TTM 6.33b)
Gross Margin = 55.17% ((Revenue TTM 6.33b - Cost of Revenue TTM 2.84b) / Revenue TTM)
Gross Margin QoQ = 78.89% (prev 46.28%)
Tobins Q-Ratio = 0.97 (Enterprise Value 26.1b / Total Assets 27.0b)
Interest Expense / Debt = 5.72% (Interest Expense 1.28b / Debt 22.4b)
Taxrate = 23.65% (70.0m / 296.0m)
NOPAT = 1.03b (EBIT 1.34b * (1 - 23.65%))
Current Ratio = unknown (Total Current Assets 2.45b / Total Current Liabilities 0.0)
Debt / Equity = 6.63 (Debt 22.4b / totalStockholderEquity, last quarter 3.38b)
Debt / EBITDA = 12.20 (Net Debt 19.9b / EBITDA 1.64b)
Debt / FCF = 6.22 (Net Debt 19.9b / FCF TTM 3.21b)
Total Stockholder Equity = 3.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.00% (Net Income 796.0m / Total Assets 27.0b)
RoE = 23.62% (Net Income TTM 796.0m / Total Stockholder Equity 3.37b)
RoCE = 5.22% (EBIT 1.34b / Capital Employed (Equity 3.37b + L.T.Debt 22.4b))
RoIC = 5.47% (EBIT 1.34b / (Assets 27.0b - Curr.Liab 0.0 - Cash 2.45b))
WACC = 5.71% (E(6.18b)/V(28.6b) * Re(10.56%) + D(22.4b)/V(28.6b) * Rd(5.72%) * (1-Tc(0.24)))
Discount Rate = 10.56% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.41 | Cagr: -1.05%
[DCF] Terminal Value 77.86% ; FCFF base≈3.05b ; Y1≈3.47b ; Y5≈5.02b
[DCF] Fair Price = 482.7 (EV 75.7b - Net Debt 19.9b = Equity 55.8b / Shares 115.5m; r=8.35% [WACC [floored]]; 5y FCF grow 14.26% → 2.50% )
EPS Correlation: 46.10 | EPS CAGR: 4.79% | SUE: 1.06 | # QB: 1
Revenue Correlation: 99.75 | Revenue CAGR: 8.24% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.40 | Chg30d=-5.25% | Revisions=-47% | Analysts=16
EPS next Quarter (2026-09-30): EPS=1.93 | Chg30d=-4.08% | Revisions=-58% | Analysts=16
EPS current Year (2026-12-31): EPS=7.30 | Chg30d=-1.02% | Revisions=-53% | GrowthEPS=+9.6% | GrowthRev=+5.8%
EPS next Year (2027-12-31): EPS=8.70 | Chg30d=-1.56% | Revisions=-67% | GrowthEPS=+19.2% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: -67%