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OMFOneMain Holdings, Inc.
$59.08$6.8B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
OMF logo

OneMain Holdings, Inc.

OMF
NYSE · Credit Services
$59.08
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$6.83B
P/E9.0x
52W High$71.93
Volume1.23M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Credit Volatility Masks Stable NII Growth

OneMain's net interest income grew 9.2% YoY in 2026Q2 to $1.1B, supported by portfolio expansion and a stable NIM of 4.1%. However, the sharp swing in provision for credit losses from a $543M charge in 2025Q4 to a $1M benefit in 2026Q2, coupled with an EPS mis...

GrowthStable
ProfitabilityStable
ValuationReview
TechnicalsWeak
Explore valuation models
MARKET ACTION

OMF price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

12/12 Beats

EPS beat 12 of last 12 quarters

02

Valuation risk

-46% Peers

P/E is 46% below peer median

03

Market leadership

RS 60 · Avg

Average momentum (RS Rating: 60)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 29

Market performance

Price History →

Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
OMF-9.90%
S&P 500 (^GSPC)+13.20%
1-Year Return
OMF+4.68%
S&P 500 (^GSPC)+15.98%
3-Year Return
OMF+80.33%
S&P 500 (^GSPC)+78.68%
5-Year Return
OMF+41.82%
S&P 500 (^GSPC)+70.95%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
9.0x
Forward P/EExpansion
8.3x
EV/EBITDA40th %ile
22.2x
FCF YieldCash Flow
45.9%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
9.0x
9.3x
40th· Fair
EV/EBITDA
22.2x
22.5x
40th· Fair
Price/FCF
2.2x
2.4x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$66.41+12.4%
Base (Fair)$74.46+22.4%
Bull$89.94+52.2%
$66.41 Bear$74.46 Base$89.94 Bull
Current Market Price: $59.08
Trades at a 20.7% discount to Base DCF ($74.46)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$4.97B+9.5% YoY
Net income
$783M+53.8% YoY
Free cash flow
$3.13B+16.0% YoY
Operating margin
16%+4.4 pts YoY
ROIC (TTM)3%
Avg ROIC 5Y-
ROE (TTM)23.8%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate12/12 (100%)
Revenue Beat Rate9/12 (75%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 29, 2026
$1.31+4.0%
vs $1.26
$1.3B+1.4%
vs $1.3B
Q2 2026
May 1, 2026
$1.95+1.6%
vs $1.92
$1.3B-0.4%
vs $1.3B
Q1 2026
Feb 5, 2026
$1.59+2.6%
vs $1.55
$1.3B-0.7%
vs $1.3B
Q4 2025
Oct 31, 2025
$1.90+18.0%
vs $1.61
$1.3B+1.8%
vs $1.3B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Seeking Alpha·Sep 15, 2026
OneMain Holdings, Inc. (OMF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

OneMain Holdings, Inc. (OMF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

Defense World·Sep 15, 2026
OneMain Holdings, Inc. $OMF Shares Acquired by California State Teachers Retirement System

California State Teachers Retirement System boosted its stake in shares of OneMain Holdings, Inc. (NYSE: OMF) by 5,748.8% during the undefined quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The fund owned 8,245,644 shares of the financial services provider's stock after purchasing an additional 8,104,663

PRNewsWire·Sep 8, 2026
OneMain Holdings to Present at Barclays Global Financial Services Conference

NEW YORK, Sept. 8, 2026 /PRNewswire/ -- OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, announced today that Jenny Osterhout, CFO, will present at the Barclays 24th Annual Global Financial Servies Conference at 10:30 a.m.

Defense World·Aug 31, 2026
Analyzing goeasy (OTCMKTS:EHMEF) & OneMain (NYSE:OMF)

goeasy (OTCMKTS:EHMEF - Get Free Report) and OneMain (NYSE: OMF - Get Free Report) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, dividends, earnings and risk. Insider and Institutional Ownership 23.7% of goeasy shares are owned

Filtered for OneMain Holdings, Inc.More Headlines
04

Compare before deciding

Benchmark OMF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for OneMain Holdings, Inc. (OMF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OMF logoOMFOneMain Holdings, Inc.Current
$59.08$6.83B9.019.54%12.54%23.76%4.38%
SLM logoSLMSLM Corporation
$24.25$4.56B7.017.32%23.97%30.31%—
ENVA logoENVAEnova International, Inc.
$168.98$4.21B14.5912.2%11.81%25.76%—
WRLD logoWRLDWorld Acceptance Corporation
$172.99$806.2M25.142.6%6.65%11%—
COF logoCOFCapital One Financial Corporation
$200.55$123.03B49.7636.62%13.38%9.28%—
SYF logoSYFSynchrony Financial
$72.67$23.64B7.82-7.09%22.03%20.94%—

Compare OMF vs Peers

OneMain Holdings, Inc. (OMF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SLM

Most directly comparable listed peer for OMF.

Scale Benchmark

vs COF

Larger-name benchmark to compare OMF against a more recognizable public peer.

Peer Set

Compare Top 5

vs SLM, ENVA, WRLD, COF

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

OMF SEC Filings & Documents

OneMain Holdings, Inc. (OMF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 20, 2026·SEC

Material company update

Aug 7, 2026·SEC

Material company update

Jul 29, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 6, 2026·SEC

FY 2025

Feb 7, 2025·SEC

FY 2024

Feb 13, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Jul 30, 2026·SEC

FY 2026

May 1, 2026·SEC

FY 2025

Oct 31, 2025·SEC

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OMF Frequently Asked Questions

OneMain Holdings, Inc. (OMF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is OneMain Holdings, Inc. growing?

OneMain Holdings, Inc. (OMF) grew revenue by 9.5% over the past year. This is steady growth.

Is OMF profitable?

Yes, OneMain Holdings, Inc. (OMF) is profitable, generating $781.0M in net income for fiscal year 2025 (12.5% net margin).

Dividend & Returns
Does OMF pay dividends?

Yes, OneMain Holdings, Inc. (OMF) pays a dividend with a yield of 4.38%. This makes it attractive for income-focused investors.

What is OMF's return on equity?

OneMain Holdings, Inc. (OMF) has a return on equity (ROE) of 23.8%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is OneMain Holdings, Inc.'s net interest margin?

OneMain Holdings, Inc. (OMF) has a net interest margin (NIM) of 15.3%. This indicates healthy earnings from lending activities.

What is OneMain Holdings, Inc.'s efficiency ratio?

OneMain Holdings, Inc. (OMF) has an efficiency ratio of 31.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in OMF back in 2009?

Total return calculator · dividends reinvested · 17+ years of data

See returns →