(OMF) OneMain Holdings - Ratings and Ratios
Personal Loans, Auto Loans, Credit Cards, Credit Insurance, Auto Protection
OMF EPS (Earnings per Share)
OMF Revenue
Description: OMF OneMain Holdings
OneMain Holdings, Inc. (NYSE:OMF) is a financial services company specializing in consumer finance and insurance products in the United States. The company provides a range of financial services, including personal loans secured by automobiles or other titled collateral, credit cards, and various insurance products. OneMains business model is diversified across different channels, including its branch network, central operations, digital affiliates, and its website.
Key Performance Indicators (KPIs) for OneMain Holdings include its loan portfolio growth, delinquency rates, and insurance revenue. The companys ability to manage credit risk is crucial, given the nature of its business. Metrics such as net charge-offs and allowance for credit losses are important in assessing the companys credit quality. Additionally, OneMains return on equity (RoE) of 17.67% indicates a relatively strong profitability compared to its equity base.
OneMains diversified revenue streams, including personal loans, insurance products, and credit cards, contribute to its financial stability. The companys focus on secured lending, particularly with auto-secured loans, helps mitigate some of the credit risk associated with unsecured lending. The growth in digital lending and the use of data analytics to improve underwriting and customer experience are also significant factors in the companys competitive positioning.
The valuation metrics, such as the P/E ratio of 12.47 and forward P/E of 9.55, suggest that OneMain Holdings is trading at a reasonable multiple relative to its current and expected earnings. The market capitalization of approximately $7.02 billion indicates a significant market presence. Overall, OneMains financial performance, operational efficiency, and strategic initiatives are critical in driving its stock performance and investor returns.
OMF Stock Overview
| Market Cap in USD | 7,154m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2013-10-16 |
OMF Stock Ratings
| Growth Rating | 76.5% |
| Fundamental | 61.4% |
| Dividend Rating | 63.0% |
| Return 12m vs S&P 500 | 17.1% |
| Analyst Rating | 4.19 of 5 |
OMF Dividends
| Dividend Yield 12m | 7.40% |
| Yield on Cost 5y | 23.95% |
| Annual Growth 5y | -7.06% |
| Payout Consistency | 91.1% |
| Payout Ratio | 74.4% |
OMF Growth Ratios
| Growth Correlation 3m | 75.6% |
| Growth Correlation 12m | 61.4% |
| Growth Correlation 5y | 70.1% |
| CAGR 5y | 29.04% |
| CAGR/Max DD 5y | 0.61 |
| Sharpe Ratio 12m | 1.18 |
| Alpha | 10.67 |
| Beta | 1.522 |
| Volatility | 30.16% |
| Current Volume | 642.6k |
| Average Volume 20d | 837.2k |
| Stop Loss | 60 (-3%) |
| Signal | 0.74 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (663.0m TTM) > 0 and > 6% of Revenue (6% = 360.0m TTM) |
| FCFTA 0.11 (>2.0%) and ΔFCFTA 0.63pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 40.57% (prev -703.4%; Δ 743.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.11 (>3.0%) and CFO 2.87b > Net Income 663.0m (YES >=105%, WARN >=100%) |
| Net Debt (21.28b) to EBITDA (1.26b) ratio: 16.93 <= 3.0 (WARN <= 3.5) |
| Current Ratio 136.2 (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 -0.65% (target <= -2.0% for YES) |
| Gross Margin 55.93% (prev 72.06%; Δ -16.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 23.20% (prev 21.86%; Δ 1.34pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.84 (EBITDA TTM 1.26b / Interest Expense TTM 1.24b) >= 6 (WARN >= 3) |
Altman Z'' 1.28
| (A) 0.09 = (Total Current Assets 2.45b - Total Current Liabilities 18.0m) / Total Assets 26.63b |
| (B) 0.09 = Retained Earnings (Balance) 2.42b / Total Assets 26.63b |
| (C) 0.04 = EBIT TTM 1.05b / Avg Total Assets 25.86b |
| (D) 0.10 = Book Value of Equity 2.38b / Total Liabilities 23.30b |
| Total Rating: 1.28 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.37
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 10.09% = 5.0 |
| 3. FCF Margin 47.80% = 7.50 |
| 4. Debt/Equity 6.63 = -2.50 |
| 5. Debt/Ebitda 17.54 = -2.50 |
| 6. ROIC - WACC -0.45% = -0.57 |
| 7. RoE 20.39% = 1.70 |
| 8. Rev. Trend 71.89% = 3.59 |
| 9. Rev. CAGR 14.32% = 1.79 |
| 10. EPS Trend -10.69% = -0.27 |
| 11. EPS CAGR -3.01% = -0.38 |
What is the price of OMF shares?
Over the past week, the price has changed by +2.81%, over one month by +8.11%, over three months by +20.11% and over the past year by +36.91%.
Is OneMain Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OMF is around 73.30 USD . This means that OMF is currently undervalued and has a potential upside of +18.49% (Margin of Safety).
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 | 65.2 | 5.4% |
| Analysts Target Price | 65.2 | 5.4% |
| ValueRay Target Price | 78.2 | 26.4% |
Last update: 2025-08-27 04:45
OMF Fundamental Data Overview
CCE Cash And Equivalents = 769.0m USD (last quarter)
P/E Trailing = 10.8432
P/E Forward = 10.2881
P/S = 2.5928
P/B = 2.1508
P/EG = 0.61
Beta = 1.216
Revenue TTM = 6.00b USD
EBIT TTM = 1.05b USD
EBITDA TTM = 1.26b USD
Long Term Debt = 22.05b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 22.05b USD (Calculated: Short Term 0.0 + Long Term 22.05b)
Net Debt = 21.28b USD (from netDebt column, last quarter)
Enterprise Value = 28.44b USD (7.15b + Debt 22.05b - CCE 769.0m)
Interest Coverage Ratio = 0.84 (Ebit TTM 1.05b / Interest Expense TTM 1.24b)
FCF Yield = 10.09% (FCF TTM 2.87b / Enterprise Value 28.44b)
FCF Margin = 47.80% (FCF TTM 2.87b / Revenue TTM 6.00b)
Net Margin = 11.05% (Net Income TTM 663.0m / Revenue TTM 6.00b)
Gross Margin = 55.93% ((Revenue TTM 6.00b - Cost of Revenue TTM 2.64b) / Revenue TTM)
Tobins Q-Ratio = 11.97 (Enterprise Value 28.44b / Book Value Of Equity 2.38b)
Interest Expense / Debt = 1.44% (Interest Expense 317.0m / Debt 22.05b)
Taxrate = 23.69% (from yearly Income Tax Expense: 158.0m / 667.0m)
NOPAT = 798.2m (EBIT 1.05b * (1 - 23.69%))
Current Ratio = 136.2 (Total Current Assets 2.45b / Total Current Liabilities 18.0m)
Debt / Equity = 6.63 (Debt 22.05b / last Quarter total Stockholder Equity 3.33b)
Debt / EBITDA = 17.54 (Net Debt 21.28b / EBITDA 1.26b)
Debt / FCF = 7.69 (Debt 22.05b / FCF TTM 2.87b)
Total Stockholder Equity = 3.25b (last 4 quarters mean)
RoA = 2.49% (Net Income 663.0m, Total Assets 26.63b )
RoE = 20.39% (Net Income TTM 663.0m / Total Stockholder Equity 3.25b)
RoCE = 4.13% (Ebit 1.05b / (Equity 3.25b + L.T.Debt 22.05b))
RoIC = 3.22% (NOPAT 798.2m / Invested Capital 24.78b)
WACC = 3.67% (E(7.15b)/V(29.21b) * Re(11.62%)) + (D(22.05b)/V(29.21b) * Rd(1.44%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -90.0 | Cagr: -2.10%
Discount Rate = 11.62% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.45% ; FCFE base≈2.74b ; Y1≈2.90b ; Y5≈3.46b
Fair Price DCF = 297.2 (DCF Value 35.33b / Shares Outstanding 118.9m; 5y FCF grow 6.55% → 3.0% )
Revenue Correlation: 71.89 | Revenue CAGR: 14.32%
Rev Growth-of-Growth: -18.99
EPS Correlation: -10.69 | EPS CAGR: -3.01%
EPS Growth-of-Growth: 33.41
Additional Sources for OMF Stock
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Fund Manager Positions: Dataroma | Stockcircle