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OMFOneMain Holdings, Inc.
$56.09$6.5B
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 · Consumer Finance
$56.09
At close - Nov 6, 4:00 PM EST - USD
Market Cap$6.48B
P/E8.4x
52W High$71.93
Volume946.06K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Reserve Swings Mask Steady Net Interest Income Growth at OMF

OneMain's net interest income rose from $922.0M in 2024Q2 to roughly $1.1B by 2026Q2, a gain of about 19 percent that suggests sustained loan volume growth despite a wholesale, securitization-based funding model.

GrowthMixed
ProfitabilityStrained
ValuationAttractive
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

11/12 Beats

EPS beat 11 of last 12 quarters

02

Valuation risk

-29% Peers

P/E is 29% below peer median

03

Market leadership

RS 52 · Avg

Average momentum (RS Rating: 52)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 30

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
OMF-14.23%
S&P 500 (^GSPC)+7.63%
1-Year Return
OMF+1.58%
S&P 500 (^GSPC)+9.69%
3-Year Return
OMF+78.23%
S&P 500 (^GSPC)+66.90%
5-Year Return
OMF+40.80%
S&P 500 (^GSPC)+55.31%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
8.4x
Forward P/E
8.6x
EV/EBITDA20th %ile
12.9x
FCF YieldCash Flow
49.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
8.4x
9.3x
40th· Fair
EV/EBITDA
12.9x
22.5x
20th· Low
Price/FCF
2.0x
2.4x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$67.49+20.3%
Base (Fair)$75.16+34.0%
Bull$91.77+63.6%
$67.49 Bear$75.16 Base$91.77 Bull
Current Market Price: $56.09
Trades at a 25.4% discount to Base DCF ($75.16)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$4.97B+9.5% YoY
Net income FY25
$783M+53.8% YoY
Free cash flow FY25
$3.13B+16.0% YoY
Operating margin FY25
20.1%+5.4 pts YoY
ROIC (FY25)3%
Avg ROIC 5Y3.6%
ROE (TTM)22.6%
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 Rate11/12 (92%)
Revenue Beat Rate9/12 (75%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 30, 2026
$1.51-3.2%
vs $1.56
$1.4B+1.2%
vs $1.3B
Q3 2026
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
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
247 Wallst·Oct 28, 2026
These 5 High-Yield Dividend Stocks Are Hiding in Wall Street’s Least Popular Sectors

Investors keep fighting over the same crowded dividend names while a handful of unloved sectors quietly generate yields that dwarf the typical blue-chip payout, and the safety picture on each one is more nuanced than the yield alone suggests.

Zacks Investment Research·Oct 23, 2026
Analysts Estimate OneMain Holdings (OMF) to Report a Decline in Earnings: What to Look Out for

OneMain (OMF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Defense World·Oct 20, 2026
OneMain (NYSE:OMF) Shares Break Below Fifty Day Moving Average – Should You Sell?

OneMain Holdings, Inc. (NYSE: OMF - Get Free Report) passed below its fifty day moving average during trading on Monday. The stock has a fifty day moving average of $60.37 and traded as low as $55.42. OneMain shares last traded at $55.8210, with a volume of 783,761 shares. Wall Street Analyst Weigh In A number of

Zacks Investment Research·Oct 15, 2026
PGY vs. OMF: Which Consumer Lending Stock Has Better Growth Potential?

Pagaya outshines OneMain in growth projections, ROE and stock performance, but its premium valuation and funding risks raise questions about the better pick.

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
$56.09$6.48B8.459.54%14.72%22.64%4.62%
SLM logoSLMSLM Corporation
$16.94$3.18B5.547.32%31.69%23.59%19.95%
ENVA logoENVAEnova International, Inc.
$172.48$4.29B11.9212.2%11.89%26.36%—
WRLD logoWRLDWorld Acceptance Corporation
$149.08$694.77M13.582.6%9.13%14.16%—
COF logoCOFCapital One Financial Corporation
$201.87$123.84B11.3236.62%17.3%9.67%1.39%
SYF logoSYFSynchrony Financial
$73.74$23.99B7.13-7.09%22.18%19.99%1.62%

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

Oct 30, 2026·SEC

Material company update

Aug 20, 2026·SEC

Material company update

Aug 7, 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

Oct 30, 2026·SEC

FY 2026

Jul 30, 2026·SEC

FY 2026

May 1, 2026·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 7.0% over the trailing twelve months, compared with the twelve months before.

Is OMF profitable?

Yes. OneMain Holdings, Inc. (OMF) earned $767.0M in net income over the trailing twelve months (a 14.7% net margin).

Dividend & Returns
Does OMF pay dividends?

Yes. OneMain Holdings, Inc. (OMF) pays a dividend that yields 4.62% at the current price, a high yield.

What is OMF's return on equity?

OneMain Holdings, Inc. (OMF) had a return on equity (ROE) of 22.6% over the trailing twelve months. That is well above the market's typical 10-15%.

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 39.7%. 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 →