OneMain Holdings, Inc.
OMF · Price history
Price at last available close
$57.65
+$1.42 (+2.53%) 1M
2026-10-28
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Company & revenue
About OneMain Holdings, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
OneMain Holdings, Inc. functions as a financial services holding company, primarily engaged in consumer lending and the provision of insurance products. The firm is responsible for originating, assessing, and servicing personal loans, which may be secured by collateral such as automobiles or other titled property, or they may be unsecured. Additionally, the company provides credit cards and a diverse portfolio of insurance offerings, encompassing life, disability, and job loss coverage.
How they make money
OneMain Holdings, Inc. operates as a financial services holding company that generates revenue primarily through interest income and fees on personal and auto finance loans. The company also earns revenue from the sale of optional credit and non-credit insurance products and credit card services, serving nonprime consumers through a combination of physical branches and digital platforms.
Products & services
Personal loans, secured auto finance loans, credit cards, and optional credit and non-credit insurance products.
Brands & revenue mix
Primary brand for personal loan and consumer finance services.
Separate brand revenue is not available in this research.Source
Wholly-owned subsidiary providing credit life, credit disability, and non-credit insurance.
Separate brand revenue is not available in this research.Source
Wholly-owned subsidiary providing property and casualty insurance products.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Nonprime consumersSource
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
- Extensive branch network and digital platformSource
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
53
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
50
Fair
Financial Strength
42
Business Quality / Moat
72
Management
38
Growth Quality
35
Risk / Durability
62
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
67
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
62/100
Building Historical Record
Model Score 62/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
- •Asset quality is a weaker factor
Company-specific research
Questions worth answering for OMF
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can OMF maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is OMF's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is OMF's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is OMF's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
53
Opportunity Score
67
Market Cap
$6.63B
P/E Ratio
8.4
EPS
$6.66
52-Week High
$71.93
52-Week Low
$45.02
Beta
1.21
Intrinsic Value
$150.25
Analyst Target
$60.00
Shares Outstanding
119.3M
Total Revenue
$6.42B
Total Debt
$22.77B
Dividend Yield (TTM)
7.29%
Liquidation Value / Share
$28.36
Dividend / Share (TTM)
$4.20
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for OMF
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on OMF.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Extensive branch network and digital platform.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Credit risk associated with nonprime consumer lending.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
54
Oct 1, 2026
Change
-0.7
points
Current Score
53
Oct 12, 2026
Category Changes
OMF decreased 0.7 points because some fundamentals weakened.
Projected Score
Projected Score
52
Projected Change
-1.2 points
Preliminary comparable-period financial changes suggest decline of approximately 1.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$57.65
Model Intrinsic Value
$150.25
Difference
−$92.60
-61.6% vs IV
Margin of Safety
61.6%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.42B | $6.24B | $5.72B | $5.30B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $2.33B | $3.27B | $3.23B | $2.74B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $4.08B | $2.97B | $2.50B | $2.56B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $1.02B | $1.12B | $1.07B | $1.04B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $2.43B | $1.97B | $1.83B | $1.72B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $1.95B | $1.29B | $944.0M | $1.10B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $1.66B | $1.00B | $667.0M | $840.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $1.29B | $1.27B | $1.19B | $1.02B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $1.00B | $1.00B | $667.0M | $840.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $223.0M | $218.0M | $158.0M | $199.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $781.0M | $783.0M | $509.0M | $641.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $6.66 | $6.59 | $4.25 | $5.35 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 116M | 119M | 120M | 120M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 116M | 119M | 120M | 121M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$1.63B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.31
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+3.2%
Cash Change
-2.9%
Margin Change
-1.5 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth. Pressure indicators included EPS growth, cash levels, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 5.8%. EPS declined 6.4%. Cash declined 2.9%. Total debt increased 3.2%. Net income margin declined by 1.5 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
40
Smart Money
40
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · OMF
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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