OneMain Holdings, Inc. (OMF) Stock Score, Valuation & Financial Research
OneMain Holdings, Inc. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for OMF
OneMain Holdings, Inc. currently has a Wall Street Score of 53/100. The stored market price is $62.75. Its financial score is 30/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What OneMain Holdings, Inc. does
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. They also offer optional non-credit insurance, guaranteed asset protection (available as a waiver or insurance policy), and various membership programs. With a physical footprint of around 1,400 locations across 44 states in the United States, along with an active online platform at onemainfinancial.com, the company reaches its customers. Established in 1912 and based in Evansville, Indiana, the entity wa
OMF financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $62.75
- Market capitalization:
- $7.25B
- Revenue:
- $6.33B
- Net income:
- $796.0M
- Free cash flow:
- $3.13B
- Cash:
- $834.0M
- Total debt:
- $22.40B
- EPS:
- 6.59
- P/E ratio:
- 9.5x
- Financial score:
- 30/100
- Valuation score:
- 100/100
- Revenue score:
- 34/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $3.13B, showing positive cash generation.
- The balance sheet shows $834.0M of cash versus $22.40B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 30/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research OMF
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.