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OMF

BULLISH
$58.77 Live
OneMain Holdings, Inc. · NYSE
Target $68.0 (+15.7%)
$45.78 52W Range $71.93
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026
Market cap
$6.79B
P/E
8.96
ROE
23.8%
Profit margin
26.3%
Debt/Equity
6.71
Dividend yield
7.15%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
OMF presents a compelling value opportunity, trading at $58.77, which is below its Graham Number of $65.45. While the Piotroski F-Score of 4/9 indicates only stable financial health, the company's valuation is highly attractive with a P/E of 8.96 and a PEG ratio of 0.75. Exceptional earnings growth (63.7% YoY) and a strong ROE of 23.76% offset the risks associated with high leverage. Despite bearish insider sentiment and technicals, the fundamental growth and dividend yield provide a strong margin of safety.

Key Strengths

Significant undervaluation indicated by PEG ratio of 0.75 and P/E of 8.96
Strong profitability with ROE at 23.76% and Operating Margin at 33.65%
Robust earnings growth (63.7% YoY) and consistent history of beating estimates
Attractive dividend yield of 7.15% with a sustainable payout ratio of 63.57%
Current price trades below the defensive Graham Number ($65.45)

Key Risks

Very high leverage with a Debt/Equity ratio of 6.71
Bearish insider activity with significant selling by the CEO and COO
Technical trend is currently 0/100 (Bearish)
Piotroski F-Score of 4/9 suggests mediocre financial health improvement
Exposure to credit cycle risks inherent in the credit services industry
AI Fair Value Estimate
Based on comprehensive analysis
$66.5
+13.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
76
Strong
Value
92
Future
85
Past
80
Health
40
Dividend
82
AI Verdict
Undervalued Value Play
Key drivers: Low PEG ratio, High earnings growth, Strong dividend yield, High leverage
Confidence
80%
Value
92/100

Ref P/E 8.96, PEG 0.75, Graham Number $65.45

Positives
  • P/E well below sector average
  • Price < Graham Number
  • PEG < 1.0
Watchpoints
  • Price/Book of 2.03 is moderate
Future
85/100

Ref Growth rates and Analyst Targets

Positives
  • 63.7% YoY Earnings Growth
  • 12.2% Revenue Growth
  • Positive analyst target price ($68)
Watchpoints
  • Recent Q/Q EPS growth dip of -4.8%
Past
80/100

Ref Historical earnings track record

Positives
  • Consistent earnings beats over 25 quarters
  • Strong 1Y price change of +34.7%
Watchpoints
  • Volatility in quarterly surprises
Health
40/100

Ref Piotroski F-Score and Debt/Equity

Positives
  • High current ratio (422.30)
Watchpoints
  • Piotroski F-Score 4/9 (Stable/Mediocre)
  • Debt/Equity 6.71 is extremely high
Dividend
82/100

Ref Yield 7.15%, Payout 63.57%

Positives
  • High yield of 7.15%
  • Manageable payout ratio (63.57%)
Watchpoints
  • No 5-year average yield provided for stability check

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$58.77
Analyst Target
$68.0
Upside/Downside
+15.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for OMF and closest competitors.

Updated 2026-04-30
OMF
OneMain Holdings, Inc.
Primary
5Y
+66.2%
3Y
+94.8%
1Y
+34.7%
6M
+9.3%
1M
+9.9%
1W
-0.4%
BMA
Banco Macro S.A.
Peer
5Y
+868.3%
3Y
+446.6%
1Y
-7.7%
6M
+34.8%
1M
+6.2%
1W
+4.3%
STE
StepStone Group Inc.
Peer
5Y
+85.3%
3Y
+171.4%
1Y
+19.9%
6M
-9.8%
1M
+17.6%
1W
+19.7%
LNC
Lincoln National Corporation
Peer
5Y
-25.7%
3Y
+102.7%
1Y
+19.0%
6M
-5.4%
1M
+9.9%
1W
+0.4%
MOR
Morningstar, Inc.
Peer
5Y
-28.4%
3Y
+5.2%
1Y
-33.5%
6M
-15.3%
1M
+11.9%
1W
-2.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
8.96
Forward P/E
6.66
PEG Ratio
0.75
P/B Ratio
2.03
P/S Ratio
2.28
EV/Revenue
9.69
EV/EBITDA
N/A
Market Cap
$6.79B

Profitability

Profit margins and return metrics

Profit Margin 26.34%
Operating Margin 33.65%
Gross Margin 93.34%
ROE 23.76%
ROA 2.94%

Growth

Revenue and earnings growth rates

Revenue Growth +12.2%
Earnings Growth +63.7%
Q/Q Revenue Growth +8.59%
Q/Q Earnings Growth +61.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
6.71
High debt
Current Ratio
422.3
Strong
Quick Ratio
409.35
Excellent
Cash/Share
$7.8

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$1.3B
Net Margin
15.8%
Total Assets
$27.4B
Liabilities
$24.0B
Equity
$3.4B
Debt/Equity
7.05x
Operating CF
$0.9B
Free Cash Flow
$0.9B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-01
$N/A
2026-02-05
$1.59
+3.3% surprise
2025-10-31
$1.67
+6.6% surprise
2025-07-25
$1.4
+14.5% surprise

Financial Services Sector Comparison

Comparing OMF against 975 companies in the Financial Services sector (156 bullish, 425 neutral, 394 bearish)
P/E Ratio
8.96
This Stock
vs
34.86
Sector Avg
-74.3% (Discount)
Return on Equity (ROE)
23.76%
This Stock
vs
0.29%
Sector Avg
+8028.3% (Excellent)
Profit Margin
26.34%
This Stock
vs
88.25%
Sector Avg
-70.2% (Weaker)
Debt to Equity
6.71
This Stock
vs
1.32
Sector Avg
+409.3% (Higher)
Revenue Growth
12.2%
This Stock
vs
33.02%
Sector Avg
-63.1% (Slower)
Current Ratio
422.3
This Stock
vs
3.69
Sector Avg
+11357.3% (Stronger)

Similar Companies

Peer comparison within the same industry

OMF OneMain Holdings, Inc.
BULLISH
Mkt Cap
$6.8B
P/E
9.0
ROE
23.8%
Price
$58.77
BMA Banco Macro S.A.
BEARISH
Mkt Cap
$6.8B
P/E
38.3
ROE
5.5%
Price
$96.63
 Compare with OMF
STEP StepStone Group Inc.
NEUTRAL
Mkt Cap
$6.9B
P/E
-
ROE
-65.1%
Price
$54.97
 Compare with OMF
LNC Lincoln...
BEARISH
Mkt Cap
$7.1B
P/E
6.3
ROE
12.3%
Price
$36.98
 Compare with OMF
MORN Morningstar, Inc.
BEARISH
Mkt Cap
$7.1B
P/E
20.0
ROE
26.3%
Price
$183.73
 Compare with OMF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

CONRAD MICAH R
Chief Operating Officer
Sell
2026-04-17
5,000 shares · $300,000
CONRAD MICAH R
Chief Operating Officer
Sell
2026-02-26
5,000 shares · $290,000
SMITH RICHARD A
Director
Stock Award
2026-02-11
3,243 shares
GUTHRIE ROY A
Director
Stock Award
2026-02-11
3,243 shares
CALDWELL PHYLLIS R
Director
Stock Award
2026-02-11
3,243 shares
HALMY CHRISTOPHER A
Director
Stock Award
2026-02-11
3,243 shares
HEDLUND MICHAEL A
Officer
Stock Award
2026-02-11
2,919 shares
DARUVALA TOOS NOSHIR
Director
Stock Award
2026-02-11
3,243 shares
SHULMAN DOUGLAS H
Chief Executive Officer
Stock Award
2026-02-11
77,724 shares
CONRAD MICAH R
Chief Operating Officer
Stock Award
2026-02-11
18,326 shares
BRONNER PHILIP L.
Director
Stock Award
2026-02-11
3,243 shares
OSTERHOUT JEANNETTE E
Chief Financial Officer
Stock Award
2026-02-11
24,326 shares
MACDONALD ANDREW DAVID
Director
Stock Award
2026-02-11
3,243 shares
SHULMAN DOUGLAS H
Chief Executive Officer
Stock Award
2026-01-14
111,727 shares
CONRAD MICAH R
Chief Operating Officer
Stock Award
2026-01-14
31,454 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-29

OMF filed a definitive proxy statement (DEF 14A) on April 29, 2026, providing shareholders with necessary information to vote on matters at the upcoming annual meeting.

10-K
10-K
2026-02-06

OMF filed its 10-K annual report on February 6, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-02-05

OMF filed an 8-K on February 5, 2026, likely to announce its fourth quarter and full-year financial results.

8-K
8-K
2025-12-18
8-K
8-K
2025-12-05
10-Q
10-Q
2025-10-31

OMF filed its 10-Q on October 31, 2025, though specific financial highlights were not provided in the available excerpt. The filing includes a dedicated section for Risk Factors under Item 1A.

8-K
8-K
2025-10-31

OneMain Holdings, Inc. (OMF) filed an 8-K on October 31, 2025, likely to report its third-quarter financial results.

8-K
8-K
2025-09-17
8-K
8-K
2025-09-04
8-K
8-K
2025-08-12

OneMain Financial (OMF) filed an 8-K to announce its second-quarter financial results for 2025.

8-K
8-K
2025-07-30
10-Q
10-Q
2025-07-29
8-K
8-K
2025-07-25
8-K
8-K
2025-06-11
8-K
8-K
2025-06-10
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
14 analysts
JP Morgan
2026-04-09
Maintains
Underweight Underweight
Wells Fargo
2026-04-09
Maintains
Equal-Weight Equal-Weight
Barclays
2026-04-06
Maintains
Equal-Weight Equal-Weight
Evercore ISI Group
2026-03-17
Maintains
In-Line In-Line
JP Morgan
2026-02-06
Maintains
Underweight Underweight
RBC Capital
2026-02-06
Maintains
Outperform Outperform
Truist Securities
2026-02-06
Maintains
Buy Buy
Stephens & Co.
2026-02-06
Maintains
Overweight Overweight
Wells Fargo
2026-02-06
Maintains
Equal-Weight Equal-Weight
JP Morgan
2026-01-12
down
Neutral Underweight

Past News Coverage

Recent headlines mentioning OMF from our newsroom.

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