OneMain Holdings (OMF) Stock Overview
A financial service holding company, engages in the consumer finance and insurance businesses in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 4/6 |
| Past Performance | 4/6 |
| Financial Health | 1/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
OMF Community Fair Values
Create NarrativeSee what 54 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
OneMain Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$54.19 |
| 52 Week High | US$71.93 |
| 52 Week Low | US$45.78 |
| Beta | 1.24 |
| 1 Month Change | -9.56% |
| 3 Month Change | -5.81% |
| 1 Year Change | 9.25% |
| 3 Year Change | 46.30% |
| 5 Year Change | -2.87% |
| Change since IPO | 181.36% |
Recent News & Updates
Recent updates
Seeking Alpha • Apr 30
OneMain Holdings: A 7.2% Yielder With Ample Margin Of Safety
Summary OneMain Holdings trades at a discount, likely due to lingering fears around subprime lending and past financial crises. OMF maintains a diversified, high-interest lending portfolio, funded by relatively cheap liabilities, supporting robust net interest margins. OneMain's net interest margin appears to be sufficient to absorb potential credit losses, even in recessionary or adverse risk scenarios. The firm pays a strong dividend and has the earnings power to support future growth. OneMain's buyback is another underappreciated source of shareholder returns. I am bullish heading into Friday's Q1 earnings results. Read the full article on Seeking Alpha
Narrative Update • Apr 26
OMF: Future Returns Will Reflect Stable Core Earnings Despite Legal Overhang
Analysts have trimmed their average price targets on OneMain Holdings by a few dollars per share, reflecting updated views on Q1 earnings, a more uncertain macro backdrop, and legal headlines that they see as an overhang rather than a threat to the core business. Analyst Commentary Recent research updates show a split between analysts who see the latest headlines as a temporary valuation drag and those who are more focused on earnings pressure and macro risk.Narrative Update • Apr 11
OMF: Future Returns Will Reflect Stable Core Earnings Despite Lawsuit Overhang
The analyst price target for OneMain Holdings has shifted lower from $70.71 to $68.00, as analysts factor in recent price target cuts tied to a more uncertain macro outlook and legal overhangs, partly offset by a few upward revisions that still point to a stable core business. Analyst Commentary Recent research shows a mix of optimism and caution around OneMain Holdings, with several firms adjusting price targets in response to legal developments and a more uncertain macro backdrop.Narrative Update • Mar 28
OMF: Future Returns Will Reflect 2026 Specialty Finance Tailwinds Despite Lawsuit Overhang
Analyst price targets for OneMain Holdings have edged lower overall. The model fair value estimate has moved from $72.14 to $70.71 as analysts factor in macro uncertainty, a new multi state lawsuit, and refreshed sector multiples, while still viewing the core business as stable.Narrative Update • Mar 12
OMF: Future Returns Will Reflect 2026 Specialty Finance Tailwinds And Share Repurchases
Analysts have trimmed their average price target on OneMain Holdings by about $0.60 to $72.14, as several firms recalibrated their views to reflect a more uncertain macro backdrop and sector wide multiple compression, even as some houses cited updated outlooks for consumer finance and specialty lending in 2026. Analyst Commentary Recent research on OneMain Holdings reflects a mix of optimism about the specialty finance setup in 2026 and caution around macro risks and borrower resilience.Narrative Update • Feb 25
OMF: Future Returns Will Reflect Specialty Finance Tailwinds And Ongoing Share Repurchases
Analysts have nudged their blended price target for OneMain Holdings slightly higher, with fair value moving by about $0.43 to $72.71, as they balance recent target increases and trims against updated sector views and credit assumptions. Analyst Commentary Recent research on OneMain Holdings reflects a mix of optimism and caution, with several firms adjusting price targets and ratings as they reassess credit trends, macro conditions, and where the stock sits relative to peers in consumer and specialty finance.Narrative Update • Feb 09
OMF: Future Returns Will Reflect Cautious Underwriting And Share Repurchase Discipline
Analysts have trimmed their average price target on OneMain Holdings by about $1.60 to roughly $72. This reflects slightly lower revenue growth assumptions, a modestly higher future P/E, a small reduction in the discount rate, and a marginally stronger profit margin outlook.Narrative Update • Jan 25
OMF: Future Returns Will Reflect Capital Deployment And Stable Credit Discipline
Narrative Update on OneMain Holdings The updated analyst price target for OneMain Holdings edges higher to about $73.87 from $73.47, as analysts weigh higher published targets across several firms against a slightly lower modeled profit margin and a modestly higher future P/E and revenue growth outlook for the consumer finance group. Analyst Commentary Recent Street research on OneMain Holdings shows a split view, with several firms lifting price targets while JPMorgan turns more cautious.Narrative Update • Jan 10
OMF: Future Returns Will Reflect Capital Deployment And Credit Risk Discipline
Analysts have lifted their blended price target for OneMain Holdings from about US$68 to roughly US$73, citing refreshed 2026 outlooks for specialty finance and consumer credit names. These outlooks include views on loan growth, credit conditions, and the company’s scale and capital return plans.Narrative Update • Dec 23
OMF: Future Performance Will Reflect Capital Returns And Cautious Underwriting Discipline
Analysts have modestly raised their consolidated price target on OneMain Holdings to approximately $68.40 per share. This reflects confidence in improving profitability and capital returns, even as they factor in slightly slower revenue growth and a more cautious underwriting stance amid macro uncertainties.Narrative Update • Dec 09
OMF: Future Results Will Reflect Capital Returns Amid Cautious Credit Environment
Analysts have trimmed their blended price target on OneMain Holdings by a modest amount to approximately $68 per share. This reflects continued recognition of solid Q3 revenue growth and capital returns, along with a slightly more cautious stance on underwriting, consumer credit headwinds, and macro uncertainty.Narrative Update • Nov 13
OMF: Future Results Will Reflect Improved Profitability and Stable Credit Trends
Analysts have raised their price target for OneMain Holdings by approximately $2, now valuing shares at $66.21. They cite stronger profit margins, an improved capital return outlook, and recent positive Q3 results.Narrative Update • Oct 28
Future Lending Models Will Shift Amid Persistent Economic Headwinds And Inflation Pressures
Narrative Update on OneMain Holdings Analysts have revised their price target for OneMain Holdings downward from $63 to $57. They cite concerns about ongoing headwinds for low-income borrowers, despite recent improvements in lending practices and credit quality.Narrative Update • Oct 13
Digitization Trends Will Reshape Consumer Lending And Debt Consolidation
OneMain Holdings' analyst price target has been revised downward from $65.21 to $64.21 per share. This change reflects analysts' concerns over consumer credit headwinds, despite improved lending models and recent performance updates.Analysis Article • Jun 13
OneMain Holdings, Inc.'s (NYSE:OMF) Shares Not Telling The Full Story
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 18x, you may...Seeking Alpha • Feb 27
OneMain: Hold Now, Fairly Valued Yet Bearish
Summary OneMain Holdings, Inc. shows modest revenue growth and stable margins despite higher credit loss provisions and increased operating expenses. The company enjoys robust loan growth and improved credit trends, but delinquencies warrant caution. OMF's stock appears expensive relative to its valuation metrics, with technical indicators suggesting potential downside risks. I recommend a hold rating due to decent fundamentals but caution against overvaluation and weakening technical momentum. Read the full article on Seeking AlphaSeeking Alpha • Dec 30
OneMain Financial: Strong Dividend Stability In Uncertain Economic Times
Summary OneMain Financial offers a 7.9% dividend yield and has stable income potential despite economic risks and recent market volatility. The company’s net interest income grew to $2.8 billion, but increased loan loss provisions and operating expenses led to a decline in net income. Strong cash flow from operations supports the dividend, with $1.95 billion generated, easily covering the $373 million in dividends. Risks include high default rates on personal loans and dependence on external borrowing, but sufficient liquidity and no major debt maturities until 2026 mitigate concerns. Read the full article on Seeking AlphaSeeking Alpha • Nov 02
OneMain Holdings: Solid Q3 Reduces Credit Loss Fears
Summary OneMain delivered solid Q3 results as credit fears largely did not come to fruition. Its tighter standards and shrinking back book are helping to decelerate loan losses growth, creating a path to profit growth. With an 8% dividend yield, some buybacks, and an 8.6x multiple, OMF is attractive. Read the full article on Seeking AlphaSeeking Alpha • Oct 21
Rate Cuts To Boost OneMain Financial
Summary OneMain Financial remains a Buy due to its resilience in subprime lending, despite a challenging 2024. The company's strategic moves, including the acquisition of Foursight Capital and the rollout of BrightWay credit cards, position it for future growth. Lower delinquency rates and active portfolio management have helped OneMain navigate economic stress, with positive earnings and increased dividends. Potential risks include consumer skittishness, regulatory pressures, and the cyclical nature of the auto industry impacting results post-Foursight acquisition. Read the full article on Seeking Alpha
New Narrative • Aug 29
Strategic Expansions And Innovations Propel Growth Amid Economic Uncertainties
Improved loan performance and potential reduction in loan loss provisions due to tightened underwriting standards suggest a healthier financial position.Seeking Alpha • Aug 07
OneMain Financial: Stock Still A Buy Despite Economic Weakness
Summary OneMain Financial beat earnings expectations and grew revenue, but investors are concerned about the economy, leading to a 15% drop in share prices. Higher interest rates boosted net interest income, but an increase in the provision for finance losses led to a drop in income before taxes. Despite risks associated with consumer credit loans, OneMain Financial's cash flow from operations in the first half of 2024 was sufficient to cover dividend obligations and support loan growth. Read the full article on Seeking AlphaSeeking Alpha • Jul 31
OneMain Q2 Results: Very Encouraging Credit Trends (Upgrade)
Summary OneMain Holdings, Inc. reported solid second quarter results, beating earnings estimates and showing growth in loans. Despite concerns about lower-income consumers, OneMain Financial is tightening credit standards and managing credit risk well, which has resulted in better delinquencies. While leverage is a bit high, its dividend is secure, and investors are being paid to wait, making OneMain Holdings stock attractive at 9x earnings. Read the full article on Seeking AlphaSeeking Alpha • May 01
OneMain Holdings: Solid Q1 With Credit Losses Peaking (Rating Upgrade)
Summary OneMain Holdings' shares jumped 3% following solid Q1 results, adding to a year of gains and reaching a 52-week high. The company's financials showed solid net interest trends and a modest deleveraging, and a slowing growth in receivables due to tightened credit standards. Credit costs have been rising, but there are encouraging signs we are at a peak with delinquencies falling, and the company's tighter lending standards should start to buoy results. Read the full article on Seeking AlphaSeeking Alpha • Feb 12
OneMain Holdings: Successfully Navigating The Storm
Summary OneMain Holdings is a personal lender to the nonprime market, serving underserved borrowers with strong credit quality. The company's Q4 earnings showed a deceleration in loan origination but demonstrated strong profitability and capital generation. OneMain is expanding into auto-finance and credit cards, which offer profitable pathways of growth in wider markets. Read the full article on Seeking AlphaSeeking Alpha • Dec 05
OneMain Holdings: Cashing In The Chips
Summary Shares of OneMain Holdings, Inc. have returned over 45% since the "strong buy" call. While I'm a fan of the company and the business model, I'm not feeling good about the financial health of hard-working Americans. I'm taking OneMain Holdings, Inc. chips off the table. Read the full article on Seeking AlphaShareholder Returns
| OMF | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 3.3% | 1.3% | -0.3% |
| 1Y | 9.3% | 7.0% | 26.7% |
Return vs Industry: OMF exceeded the US Consumer Finance industry which returned 1.7% over the past year.
Return vs Market: OMF underperformed the US Market which returned 23.3% over the past year.
Price Volatility
| OMF volatility | |
|---|---|
| OMF Average Weekly Movement | 4.7% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: OMF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: OMF's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2013 | 9,300 | Doug Shulman | www.onemainfinancial.com |
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans.
OneMain Holdings, Inc. Fundamentals Summary
| OMF fundamental statistics | |
|---|---|
| Market cap | US$6.11b |
| Earnings (TTM) | US$796.00m |
| Revenue (TTM) | US$3.04b |
7.9x
P/E Ratio2.1x
P/S RatioIs OMF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| OMF income statement (TTM) | |
|---|---|
| Revenue | US$3.04b |
| Cost of Revenue | US$201.00m |
| Gross Profit | US$2.84b |
| Other Expenses | US$2.04b |
| Earnings | US$796.00m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 6.89 |
| Gross Margin | 93.39% |
| Net Profit Margin | 26.18% |
| Debt/Equity Ratio | 663.2% |
How did OMF perform over the long term?
See historical performance and comparisonDividends
7.8%
Current Dividend Yield62%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/20 06:23 |
| End of Day Share Price | 2026/05/20 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
OneMain Holdings, Inc. is covered by 27 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| Mark DeVries | Barclays |