OneMain Holdings, Inc. (OMF) Financial Ratios
17 years of historical data (2009–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↑
22.21
+9% vs avg
5yr avg: 20.39
30Y Low11.9·High28.9
P/FCF
↓
2.18
-9% vs avg
5yr avg: 2.39
30Y Low1.6·High9.1
P/B Ratio
↑
2.04
+5% vs avg
5yr avg: 1.94
30Y Low0.9·High2.4
ROE
↓
23.8%
-8% vs avg
5yr avg: 25.8%
30Y Low-46%·High67%
Debt/EBITDA
↑
17.62
+10% vs avg
5yr avg: 16.03
30Y Low8.9·High29.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
OMF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
OneMain Holdings, Inc. trades at 8.9x earnings, 6% above its 5-year average of 8.3x, sitting at the 45th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 35%. On a free-cash-flow basis, the stock trades at 2.2x P/FCF, 9% below the 5-year average of 2.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $6.8B | $8.1B | $6.3B | $5.9B | $4.1B | $6.7B | $6.5B | $5.7B | $3.3B | $3.5B | $3.0B |
| Enterprise Value | $28.6B | $29.8B | $27.2B | $24.7B | $21.9B | $23.9B | $22.0B | $21.7B | $17.8B | $17.6B | $16.4B |
| P/E Ratio → | 8.88 | 10.30 | 12.29 | 9.27 | 4.75 | 5.06 | 8.90 | 6.72 | 7.38 | 19.25 | 13.92 |
| P/S Ratio | 1.09 | 1.29 | 1.09 | 1.12 | 0.81 | 1.34 | 1.32 | 1.23 | 0.78 | 0.93 | 0.80 |
| P/B Ratio | 2.04 | 2.37 | 1.96 | 1.86 | 1.37 | 2.15 | 1.89 | 1.33 | 0.87 | 1.08 | 0.98 |
| P/FCF | 2.18 | 2.57 | 2.32 | 2.36 | 1.74 | 2.96 | 2.94 | 2.43 | 1.61 | 2.26 | 2.24 |
| P/OCF | 2.18 | 2.57 | 2.32 | 2.36 | 1.74 | 2.96 | 2.94 | 2.43 | 1.61 | 2.27 | 2.26 |
P/E links to full P/E history page with 30-year chart
OMF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
OneMain Holdings, Inc.'s enterprise value stands at 22.2x EBITDA, 9% above its 5-year average of 20.4x. The Financial Services sector median is 11.4x, placing the stock at a 94% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.78 | 4.76 | 4.67 | 4.31 | 4.80 | 4.46 | 4.64 | 4.20 | 4.65 | 4.39 |
| EV / EBITDA | 22.21 | 23.17 | 28.86 | 22.55 | 15.47 | 11.90 | 17.75 | 15.87 | 19.50 | 23.17 | 18.67 |
| EV / EBIT | 28.57 | 29.81 | 40.84 | 29.45 | 18.98 | 13.71 | 22.54 | 19.79 | 28.53 | 40.81 | 45.99 |
| EV / FCF | — | 9.53 | 10.09 | 9.82 | 9.19 | 10.62 | 9.96 | 9.20 | 8.70 | 11.28 | 12.27 |
OMF Profitability
Margins and return-on-capital ratios measuring operating efficiency
OneMain Holdings, Inc. earns an operating margin of 16.0%, below the Financial Services sector average of 20.3%. ROE of 23.8% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 3.0% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 47.6% | 47.6% | 43.6% | 48.3% | 54.9% | 69.2% | 52.4% | 55.2% | 54.7% | 53.2% | 52.1% |
| Operating Margin | 16.0% | 16.0% | 11.7% | 15.9% | 22.7% | 35.0% | 19.8% | 23.5% | 14.7% | 11.4% | 9.5% |
| Net Profit Margin | 12.5% | 12.5% | 8.9% | 12.1% | 17.1% | 26.4% | 14.8% | 18.3% | 10.5% | 4.8% | 5.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 23.8% | 23.8% | 16.0% | 20.7% | 28.6% | 40.2% | 18.8% | 21.0% | 12.6% | 5.8% | 7.4% |
| ROA | 2.9% | 2.9% | 2.0% | 2.7% | 3.9% | 5.9% | 3.2% | 4.0% | 2.3% | 1.0% | 1.1% |
| ROIC | 3.0% | 3.0% | 2.1% | 2.8% | 4.1% | 6.2% | 3.4% | 4.1% | 2.5% | 1.8% | 1.4% |
| ROCE | 3.8% | 3.8% | 2.7% | 3.6% | 5.2% | 7.8% | 4.3% | 5.1% | 3.3% | 2.3% | 1.9% |
OMF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
OneMain Holdings, Inc. carries a Debt/EBITDA ratio of 17.6x, which is highly leveraged (313% above the sector average of 4.3x). Net debt stands at $21.8B ($22.7B total debt minus $914M cash). Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 6.67 | 6.67 | 6.72 | 6.22 | 6.06 | 5.74 | 5.17 | 3.98 | 4.00 | 4.59 | 4.55 |
| Debt / EBITDA | 17.62 | 17.62 | 22.71 | 18.06 | 12.90 | 8.85 | 14.34 | 12.57 | 16.62 | 19.83 | 15.92 |
| Net Debt / Equity | — | 6.40 | 6.57 | 5.90 | 5.90 | 5.56 | 4.51 | 3.69 | 3.82 | 4.29 | 4.36 |
| Net Debt / EBITDA | 16.91 | 16.91 | 22.22 | 17.14 | 12.55 | 8.58 | 12.51 | 11.68 | 15.88 | 18.53 | 15.26 |
| Debt / FCF | — | 6.96 | 7.77 | 7.46 | 7.45 | 7.66 | 7.02 | 6.77 | 7.09 | 9.02 | 10.03 |
| Interest Coverage | 0.79 | 0.79 | 0.56 | 0.82 | 1.29 | 1.86 | 0.95 | 1.13 | 0.71 | 0.53 | 0.42 |
OMF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — | — | — | — | 3.80 | — | 6.58 |
| Quick Ratio | — | — | — | — | — | — | — | — | 3.80 | — | 6.58 |
| Cash Ratio | — | — | — | — | — | — | — | — | 1.09 | — | 1.63 |
| Asset Turnover | — | 0.23 | 0.22 | 0.22 | 0.23 | 0.23 | 0.22 | 0.21 | 0.21 | 0.19 | 0.21 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
OMF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
OneMain Holdings, Inc. returns 6.7% to shareholders annually — split between a 4.4% dividend yield and 2.3% buyback yield. The payout ratio of 39.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 11.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.4% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 39.5% | 39.5% | 110.0% | 64.6% | 55.0% | 97.0% | 110.4% | 47.7% | — | — | 8.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.3% | 9.7% | 8.1% | 10.8% | 21.0% | 19.7% | 11.2% | 14.9% | 13.5% | 5.2% | 7.2% |
| FCF Yield | 45.9% | 38.8% | 43.1% | 42.4% | 57.6% | 33.7% | 34.0% | 41.1% | 61.9% | 44.2% | 44.6% |
| Buyback Yield | 2.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 6.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $119M | $120M | $121M | $124M | $133M | $135M | $136M | $136M | $136M | $135M |
Peer Comparison
Compare OMF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 OMFYou | $7B | 8.9 | 22.2 | 2.2 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 SLM | $5B | 6.6 | 6.2 | 7.9 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 ENVA | $5B | 17.7 | 12.3 | 2.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 WRLD | $916M | 11.1 | 8.5 | 3.7 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 COF | $124B | 49.8 | 15.6 | 4.8 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
 SYF | $26B | 8.1 | 5.2 | 2.7 | 51.0% | 24.2% | 21.3% | 10.8% | 3.0 |
 ALLY | $14B | 19.2 | 10.6 | — | 52.0% | 8.6% | 5.8% | 2.2% | 8.9 |
 LDI | $372M | -3.7 | 22.1 | — | 88.3% | 13.2% | -14.0% | 2.7% | 22.0 |
 NAVI | $740M | -9.7 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 FICO | $25B | 41.1 | 30.0 | 32.9 | 82.2% | 46.5% | — | 59.7% | 3.3 |
 TRU | $12B | 27.8 | 11.7 | 18.8 | 59.1% | 18.7% | 10.3% | 7.3% | 3.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 17 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
OMF — Frequently Asked Questions
Quick answers to the most common questions about buying OMF stock.
What is OneMain Holdings, Inc.'s P/E ratio?
OneMain Holdings, Inc.'s current P/E ratio is 8.9x. The historical average is 9.6x. This places it at the 45th percentile of its historical range.
What is OneMain Holdings, Inc.'s EV/EBITDA?
OneMain Holdings, Inc.'s current EV/EBITDA is 22.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 19.1x.
What is OneMain Holdings, Inc.'s ROE?
OneMain Holdings, Inc.'s return on equity (ROE) is 23.8%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 11.2%.
Is OMF stock overvalued?
Based on historical data, OneMain Holdings, Inc. is trading at a P/E of 8.9x. This is at the 45th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is OneMain Holdings, Inc.'s dividend yield?
OneMain Holdings, Inc.'s current dividend yield is 4.45% with a payout ratio of 39.5%.
What are OneMain Holdings, Inc.'s profit margins?
OneMain Holdings, Inc. has 47.6% gross margin and 16.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does OneMain Holdings, Inc. have?
OneMain Holdings, Inc.'s Debt/EBITDA ratio is 17.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.