OMF Stock Analysis: OneMain Holdings | NYSE
Credit Services | NYSE, USA | Market Cap: 6.614m USD | 12M Return: 7.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 62.0M
EPS Trend: 58.8%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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 operating in the consumer finance and insurance sectors, headquartered in Evansville, Indiana. The company originates, underwrites, and services personal loans and auto finance products, distributing them through a national branch network, central operations, and digital channels. In addition to credit products, OneMain generates revenue from credit cards and a range of ancillary offerings, including credit life and disability insurance, guaranteed asset protection (GAP) coverage, and membership plans. The company was incorporated in 2013 and adopted the OneMain name in November 2015, having previously operated as Springleaf Holdings.
As a mid-cap consumer finance company, OneMain operates in the non-prime and near-prime lending segment, which targets borrowers who typically have limited access to traditional bank credit. This sector is distinguished by a branch-based distribution model that helps offset the higher customer-acquisition costs associated with serving borrowers who lack deep credit histories, and by state-level usury caps and licensing requirements that shape the competitive landscape. Cross-selling insurance and waiver products alongside the core loan is a defining feature of the subprime personal loan business, providing fee-based income that complements net interest revenue.
- Subprime net charge-offs and delinquency trends pressure earnings
- Net interest margin compression from rising funding costs
- Personal loan origination volume growth supports segment revenue
| 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 44.01%; Δ 11.16% > 0.5%) |
| Asset Turnover: 23.86% > 50% (prev 22.55%; Δ 1.31% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBIT TTM 1.34b / 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: 0.14 (Book Value of Equity 3.38b / Total Liabilities 23.6b) |
| Altman-Z'' = 1.41 = BB |
As of July 10, 2026, the stock is trading at USD 58.84 with a total of 1,494,698 shares traded. Over the past week, the price has changed by -2.57%, over one month by +5.45%, over three months by +5.87% and over the past year by +7.32%.
Current recommended Stop Loss: 56.40 (which is 4.1% or 1.4 ATR below the current price).
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 | 68.2 | 15.9% |
P/E Trailing = 8.532
P/E Forward = 8.0451
P/S = 2.1757
P/B = 2.0397
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 = 26.6b USD (6.61b + Debt 22.4b - CCE 2.45b)
Interest Coverage Ratio = 1.05 (Ebit TTM 1.34b / Interest Expense TTM 1.28b)
EV/FCF = 8.29x (Enterprise Value 26.6b / FCF TTM 3.21b)
FCF Yield = 12.07% (FCF TTM 3.21b / Enterprise Value 26.6b)
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 = 0.98 (Enterprise Value 26.6b / Total Assets 27.0b)
Interest Expense / Debt = 5.72% (Interest Expense 1.28b / Debt 22.4b)
Taxrate = 22.11% (226.0m / 1.02b)
NOPAT = 1.05b (EBIT 1.34b * (1 - 22.11%))
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 = 5.85% (E(6.61b)/V(29.0b) * Re(10.56%) + D(22.4b)/V(29.0b) * Rd(5.72%) * (1-Tc(0.22)))
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: 58.83 | EPS CAGR: 7.06% | SUE: 0.94 | # QB: 1
Revenue Correlation: 99.75 | Revenue CAGR: 8.24% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.31 | Chg30d=-6.49% | Revisions=-62% | Analysts=16
EPS next Quarter (2026-09-30): EPS=1.91 | Chg30d=-0.78% | Revisions=-12% | Analysts=16
EPS current Year (2026-12-31): EPS=7.19 | Chg30d=-1.43% | Revisions=-57% | GrowthEPS=+8.0% | GrowthRev=+5.7%
EPS next Year (2027-12-31): EPS=8.62 | Chg30d=-0.84% | Revisions=-62% | GrowthEPS=+19.8% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: -68% (up=2, down=17)