OneMain Holdings, Inc. (OMF)
NYSE:OMF
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OMF Stock Chart & Stats
$59.26
-$1.16(-2.17%)
At close: 4:00 PM EST
$59.26
-$1.16(-2.17%)
Day’s Range― - ―
52-Week Range$45.78 - $71.93
Previous CloseN/A
Volume155.88K
Average Volume (3M)1.12M
Market Cap
$6.30B
Enterprise Value$27.95B
Total Cash (Recent Filing)$2.45B
Total Debt (Recent Filing)$22.40B
Price to Earnings (P/E)8.0
Beta1.39
Next Earnings
Jul 29, 2026EPS Estimate
1.4Next Dividend Ex-DateN/A
Dividend Yield6.07%
Share Statistics
EPS (TTM)6.74
Shares Outstanding115,530,950
10 Day Avg. Volume1,108,471
30 Day Avg. Volume1,115,739
Financial Highlights & Ratios
PEG Ratio0.19
Price to Book (P/B)2.36
Price to Sales (P/S)1.29
P/FCF Ratio2.56
Enterprise Value/Market Cap4.44
Enterprise Value/Revenue4.42
Enterprise Value/Gross Profit8.00
Enterprise Value/Ebitda17.10
Forecast
1Y Price Target
$67.90Price Target Upside14.58% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)7.3
Revenue Forecast (FY)$5.23B
Bulls Say, Bears Say
Bulls Say
Cash GenerationSustained operating and free cash flow growth supports durable earnings quality and funds capital allocation (dividends, buybacks, investments) without relying solely on new debt. Strong FCF provides a multi‑quarter buffer versus credit volatility and funds strategic initiatives.
Funding & Liquidity ProfileDiverse funding sources (ABS, sizable bank lines) and access to capital markets at reasonable pricing materially reduce refinancing and liquidity risk. Maintaining leverage inside the stated target range preserves flexibility to grow receivables, absorb losses, and sustain shareholder returns over several quarters.
Product Innovation & Channel ScaleDeploying AI and successful product pilots can sustainably lower unit costs, improve underwriting and collections, and accelerate scalable growth in auto and card channels. Structural tech advantages help differentiate in non‑prime markets and can improve margins as initiatives mature.
Bears Say
High Financial LeverageVery high leverage amplifies refinancing and credit‑cycle risk, reducing financial flexibility. Even with solid ROE, elevated debt multiples increase vulnerability to rising funding costs or credit deterioration, potentially forcing heavier capital conservatism or curtailed growth over multiple quarters.
Elevated Net Charge‑offsPersistently high charge‑offs are inherent to non‑prime lending and erode margin and capital generation. If loss rates remain elevated while the portfolio scales (especially higher‑loss cards), reserve builds and provisions can compress free cash flow and limit sustainable returns for several quarters.
Regulatory / Legal RiskOngoing multi‑state enforcement action creates structural uncertainty: potential fines, remediation or limits on product practices could raise compliance costs, constrain origination or ancillary revenue, and damage customer trust—risks that can persist for many quarters until resolved.
OneMain Holdings News
OMF FAQ
What was OneMain Holdings, Inc.’s price range in the past 12 months?
OneMain Holdings, Inc. lowest stock price was $45.78 and its highest was $71.93 in the past 12 months.
What is OneMain Holdings, Inc.’s market cap?
OneMain Holdings, Inc.’s market cap is $6.30B.
When is OneMain Holdings, Inc.’s upcoming earnings report date?
OneMain Holdings, Inc.’s upcoming earnings report date is Jul 29, 2026 which is in 56 days.
How were OneMain Holdings, Inc.’s earnings last quarter?
OneMain Holdings, Inc. released its earnings results on May 01, 2026. The company reported $1.95 earnings per share for the quarter, beating the consensus estimate of $1.859 by $0.091.
Is OneMain Holdings, Inc. overvalued?
According to Wall Street analysts OneMain Holdings, Inc.’s price is currently Undervalued.
Does OneMain Holdings, Inc. pay dividends?
OneMain Holdings, Inc. pays a Quarterly dividend of $1.05 which represents an annual dividend yield of 6.07%. See more information on OneMain Holdings, Inc. dividends here
What is OneMain Holdings, Inc.’s EPS estimate?
OneMain Holdings, Inc.’s EPS estimate is 1.4.
How many shares outstanding does OneMain Holdings, Inc. have?
OneMain Holdings, Inc. has 115,530,950 shares outstanding.
What happened to OneMain Holdings, Inc.’s price movement after its last earnings report?
OneMain Holdings, Inc. reported an EPS of $1.95 in its last earnings report, beating expectations of $1.859. Following the earnings report the stock price went down -3.709%.
Which hedge fund is a major shareholder of OneMain Holdings, Inc.?
Currently, no hedge funds are holding shares in OMF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
OneMain Holdings Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$67.90 (14.58% Upside)
$67.90 (14.58% Upside)
Blogger Sentiment
Bullish
OMF Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 147.6K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.6%
Last 30 Days ▼ 0.9%
Last 30 Days ▼ 0.9%
News Sentiment
Very Bearish
Bullish news 19%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Negative
20 days / 200 days
Momentum
13.87%
12-Months-Change
Fundamentals
Return on Equity
23.62%
Trailing 12-Months
Asset Growth
3.80%
Trailing 12-Months
Company Description
OneMain Holdings, Inc.
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured. The company also offers credit cards and insurance products comprising life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. It operates through a network of approximately 1,400 branch offices in 44 states in the United States, as well as through its website onemainfinancial.com. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was founded in 1912 and is based in Evansville, Indiana.
OMF Company Deck
OMF Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed solid execution: earnings and revenue growth, healthy receivable expansion, strong funding execution, accelerating growth in auto and credit card businesses, and continued product/AI innovation. These positives were balanced by elevated but expected seasonal net charge-offs, a concentrated back-book delinquency headwind, higher operating investments and ongoing legal noise. Management reiterated guidance and expressed confidence in credit trends improving in the back half of the year.View all OMF earnings summariesOMF Stock 12 Month Forecast
Average Price Target
$67.90
▲(14.58% Upside)
Technical Analysis
Bread Financial Holdings
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Credit Acceptance
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SLM
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World Acceptance
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Enova International
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Ownership Overview
0.52% Insiders
35.36% Mutual Funds
25.36% Other Institutional Investors
18.70% Public Companies and
Individual Investors