17 years of historical data (2009–2025) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
OneMain Holdings, Inc. trades at 8.4x earnings, roughly in line with 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 13.8x, the stock trades at a discount of 39%. On a free-cash-flow basis, the stock trades at 2.1x P/FCF, 13% 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 | $6.5B | $8.1B | $6.3B | $5.9B | $4.1B | $6.7B | $6.5B | $5.7B | $3.3B | $3.5B | $3.0B |
| Enterprise Value | $28.3B | $29.8B | $27.2B | $24.7B | $21.9B | $23.9B | $22.0B | $21.7B | $17.8B | $17.6B | $16.4B |
| P/E Ratio → | 8.39 | 10.30 | 12.29 | 9.27 | 4.75 | 5.06 | 8.90 | 6.72 | 7.38 | 19.25 | 13.92 |
| P/S Ratio | 1.04 | 1.29 | 1.09 | 1.12 | 0.81 | 1.34 | 1.32 | 1.23 | 0.78 | 0.93 | 0.80 |
| P/B Ratio | 1.93 | 2.37 | 1.96 | 1.86 | 1.37 | 2.15 | 1.89 | 1.33 | 0.87 | 1.08 | 0.98 |
| P/FCF | 2.08 | 2.57 | 2.32 | 2.36 | 1.74 | 2.96 | 2.94 | 2.43 | 1.61 | 2.26 | 2.24 |
| P/OCF | 2.08 | 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
Enterprise-value multiples — capital-structure-neutral measures of total business value
OneMain Holdings, Inc.'s enterprise value stands at 12.1x EBITDA, 34% below its 5-year average of 18.3x. The Financial Services sector median is 11.1x, placing the stock at a 9% 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 | 12.09 | 12.75 | 28.86 | 22.55 | 15.47 | 11.90 | 17.75 | 15.87 | 19.50 | 23.17 | 18.67 |
| EV / EBIT | 12.09 | 12.75 | 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 |
Margins and return-on-capital ratios measuring operating efficiency
OneMain Holdings, Inc. earns an operating margin of 37.5%, significantly above the Financial Services sector average of 21.9%. Operating margins have expanded from 15.9% to 37.5% over the past 3 years, signaling improving operational efficiency. ROE of 23.8% indicates solid capital efficiency, compared to the sector median of 9.1%. ROIC of 6.9% represents adequate returns on invested capital versus a sector median of 5.4%.
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 | 69.5% | 69.5% | 43.6% | 48.3% | 54.9% | 69.2% | 52.4% | 55.2% | 54.7% | 53.2% | 52.1% |
| Operating Margin | 37.5% | 37.5% | 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% |
| 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 | 6.9% | 6.9% | 2.1% | 2.8% | 4.1% | 6.2% | 3.4% | 4.1% | 2.5% | 1.8% | 1.4% |
| ROCE | 8.8% | 8.8% | 2.7% | 3.6% | 5.2% | 7.8% | 4.3% | 5.1% | 3.3% | 2.3% | 1.9% |
Solvency and debt-coverage ratios — lower is generally safer
OneMain Holdings, Inc. carries a Debt/EBITDA ratio of 9.7x, which is highly leveraged (136% above the sector average of 4.1x). Net debt stands at $21.8B ($22.7B total debt minus $914M cash).
| 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 | 9.70 | 9.70 | 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 | 9.31 | 9.31 | 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 | — | — | 0.56 | 0.82 | 1.29 | 1.86 | 0.95 | 1.13 | 0.71 | 0.53 | 0.42 |
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 | — | — | — | — | — | — | — | 1.09 | — | 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 | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
OneMain Holdings, Inc. returns 9.4% to shareholders annually primarily through dividends. The earnings yield of 11.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
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 | 9.4% | 7.6% | 8.9% | 7.0% | 11.6% | 19.1% | 12.4% | 7.1% | — | — | 0.6% |
| Payout Ratio | — | — | 110.0% | 64.6% | 55.0% | 97.0% | 110.4% | 47.7% | — | — | 8.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.9% | 9.7% | 8.1% | 10.8% | 21.0% | 19.7% | 11.2% | 14.9% | 13.5% | 5.2% | 7.2% |
| FCF Yield | 48.1% | 38.8% | 43.1% | 42.4% | 57.6% | 33.7% | 34.0% | 41.1% | 61.9% | 44.2% | 44.6% |
| Buyback Yield | 0.0% | 0.0% | 0.6% | 1.1% | 7.3% | 5.5% | 0.7% | 0.0% | 0.3% | 0.1% | 0.2% |
| Total Shareholder Yield | 9.4% | 7.6% | 9.5% | 8.1% | 18.9% | 24.7% | 13.1% | 7.1% | 0.3% | 0.1% | 0.8% |
| Shares Outstanding | — | $119M | $120M | $121M | $124M | $133M | $135M | $136M | $136M | $136M | $135M |
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 | 8.4 | 12.1 | 2.1 | 69.5% | 37.5% | 23.8% | 6.9% | 9.7 |
| COF | $124B | 16.9 | 13.9 | 7.3 | 50.8% | 11.0% | 8.0% | 4.1% | 5.0 |
| SYF | $25B | 8.1 | 5.1 | 2.5 | 45.2% | 21.9% | 23.0% | 11.0% | 3.1 |
| SYF-PB | $9B | 3.1 | 2.0 | 1.0 | 45.2% | 21.9% | 23.0% | 11.0% | 3.1 |
| ENVA | $3B | 12.0 | 10.1 | 1.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
| FINV | $3B | 4.3 | 6.6 | 7.6 | 79.3% | 19.4% | 16.2% | 12.9% | 0.0 |
| BFH | $3B | 12.9 | 10.7 | 1.6 | 50.9% | 7.9% | 9.3% | 3.3% | 12.1 |
| AHG | $2B | -3.0 | — | 2306.8 | -1.9% | -1125.4% | -80.0% | -73.9% | — |
| LU | $2B | 5.8 | 1.3 | 1.0 | 69.5% | 35.5% | 0.9% | 7.7% | 2.9 |
| XYF | $1B | 0.2 | 3.2 | 5.7 | 66.6% | 31.9% | 24.1% | 20.5% | 0.2 |
| ATLC | $791M | 11.0 | 20.3 | 1.7 | 21.6% | 10.6% | 25.2% | 3.8% | 17.4 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 17 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationSee how OMF stacks up against sector leader Capital One Financial Corporation.
Start ComparisonOneMain Holdings, Inc.'s current P/E ratio is 8.4x. The historical average is 9.6x. This places it at the 45th percentile of its historical range.
OneMain Holdings, Inc.'s current EV/EBITDA is 12.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 18.2x.
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%.
Based on historical data, OneMain Holdings, Inc. is trading at a P/E of 8.4x. This is at the 45th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
OneMain Holdings, Inc.'s current dividend yield is 9.37%.
OneMain Holdings, Inc. has 69.5% gross margin and 37.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
OneMain Holdings, Inc.'s Debt/EBITDA ratio is 9.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.