(OMF) OneMain Holdings - Ratings and Ratios
Personal Loans, Auto Loans, Credit Cards, Credit Insurance, GAP Coverage
Dividends
| Dividend Yield | 6.06% |
| Yield on Cost 5y | 16.33% |
| Yield CAGR 5y | -8.74% |
| Payout Consistency | 91.1% |
| Payout Ratio | 68.1% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 28.3% |
| Value at Risk 5%th | 45.6% |
| Relative Tail Risk | -2.26% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.86 |
| Alpha | 16.08 |
| CAGR/Max DD | 1.27 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.484 |
| Beta | 1.470 |
| Beta Downside | 1.609 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.94% |
| Mean DD | 7.80% |
| Median DD | 5.93% |
Description: OMF OneMain Holdings November 05, 2025
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 a suite of optional insurance and protection plans. The firm distributes these products through a nationwide branch network, centralized operations, digital affiliates, and its website, and rebranded from Springleaf Holdings to OneMain in November 2015.
As of the latest filing (Q3 2024), OneMain’s loan portfolio totals roughly **$12 billion**, with a **net interest margin of about 6.5%** and an **average delinquency rate near 5.5%**, both metrics that are sensitive to the prevailing interest-rate cycle and employment trends. The company’s **return on equity** has hovered around **12%** over the past two years, reflecting a relatively stable earnings profile despite macro-economic headwinds.
Key economic drivers for OneMain include the **Federal Reserve’s policy rate**, which directly affects loan pricing and consumer borrowing costs, and **U.S. unemployment levels**, which influence credit risk and demand for secured lending. Additionally, the **consumer-finance sector is experiencing a shift toward digital acquisition channels**, pressuring traditional branch networks to integrate technology while maintaining underwriting discipline.
For a deeper, data-rich perspective on OneMain’s valuation and risk profile, you might explore the analyst tools on ValueRay to see how these fundamentals translate into forward-looking metrics.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (705.0m TTM) > 0 and > 6% of Revenue (6% = 367.7m TTM) |
| FCFTA 0.11 (>2.0%) and ΔFCFTA 0.92pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 14.23% (prev 10.18%; Δ 4.05pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.11 (>3.0%) and CFO 3.02b > Net Income 705.0m (YES >=105%, WARN >=100%) |
| Net Debt (21.93b) to EBITDA (1.20b) ratio: 18.28 <= 3.0 (WARN <= 3.5) |
| Current Ratio 873.0 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (119.4m) change vs 12m ago -0.60% (target <= -2.0% for YES) |
| Gross Margin 47.19% (prev 44.48%; Δ 2.70pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 23.32% (prev 21.89%; Δ 1.43pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.73 (EBITDA TTM 1.20b / Interest Expense TTM 1.26b) >= 6 (WARN >= 3) |
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 (Balance) 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 |
| Total Rating: 0.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.21
| 1. Piotroski 4.0pt |
| 2. FCF Yield 10.29% |
| 3. FCF Margin 49.26% |
| 4. Debt/Equity 6.61 |
| 5. Debt/Ebitda 18.28 |
| 6. ROIC - WACC (= -0.97)% |
| 7. RoE 21.40% |
| 8. Rev. Trend 97.67% |
| 9. EPS Trend -23.73% |
What is the price of OMF shares?
Over the past week, the price has changed by +6.45%, over one month by +13.86%, over three months by +15.62% and over the past year by +33.46%.
Is OMF a buy, sell or hold?
- Strong Buy: 8
- Buy: 3
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the OMF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 66.3 | -3.7% |
| Analysts Target Price | 66.3 | -3.7% |
| ValueRay Target Price | 90.7 | 31.9% |
OMF Fundamental Data Overview December 11, 2025
P/E Trailing = 10.9271
P/E Forward = 8.2102
P/S = 2.6499
P/B = 2.2469
P/EG = 0.61
Beta = 1.346
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 = 29.34b USD (7.66b + Debt 22.34b - CCE 658.0m)
Interest Coverage Ratio = 0.73 (Ebit TTM 916.0m / Interest Expense TTM 1.26b)
FCF Yield = 10.29% (FCF TTM 3.02b / Enterprise Value 29.34b)
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 29.34b / 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 = 2.61% (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 = 3.73% (E(7.66b)/V(30.00b) * Re(11.43%) + D(22.34b)/V(30.00b) * Rd(1.43%) * (1-Tc(0.24)))
Discount Rate = 11.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.29%
[DCF Debug] Terminal Value 68.07% ; FCFE base≈2.86b ; Y1≈3.04b ; Y5≈3.64b
Fair Price DCF = 323.0 (DCF Value 38.03b / Shares Outstanding 117.7m; 5y FCF grow 6.90% → 3.0% )
EPS Correlation: -23.73 | EPS CAGR: -5.83% | SUE: 3.07 | # QB: 3
Revenue Correlation: 97.67 | Revenue CAGR: 8.50% | SUE: 0.70 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.09 | Chg30d=+0.001 | Revisions Net=+5 | Analysts=15
EPS next Year (2026-12-31): EPS=8.02 | Chg30d=-0.127 | Revisions Net=-4 | Growth EPS=+20.7% | Growth Revenue=+7.6%
Additional Sources for OMF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle