Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
OneMain Holdings, Inc.'s quarterly P/E stands at 8.5x, down 5.9% year-over-year. EV/EBITDA has compressed 10.1% YoY to 21.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.39 | 8.45 | 10.18 | 6.87 | 12.41 | 8.98 | 20.55 | 9.90 | 8.91 | 6.23 | 12.85 | 6.26 | 5.78 |
| — | -5.9% | -50.5% | -30.7% | +39.3% | +44.3% | +59.9% | +58.1% | +54.1% | +25.7% | +129.6% | +25.8% | -6.6% | |
| P/S Ratio | 1.04 | 1.06 | 1.11 | 0.98 | 1.05 | 0.96 | 1.04 | 1.13 | 1.07 | 0.90 | 1.01 | 0.88 | 0.79 |
| — | +9.6% | +6.8% | -13.8% | -2.7% | +7.8% | +2.5% | +28.4% | +36.7% | +26.2% | +9.6% | -26.9% | -43.3% | |
| P/B Ratio | 1.93 | 2.00 | 2.05 | 1.79 | 1.96 | 1.76 | 1.85 | 1.91 | 1.85 | 1.56 | 1.72 | 1.46 | 1.35 |
| — | +13.2% | +10.7% | -6.4% | +5.8% | +13.2% | +7.2% | +31.2% | +37.7% | +28.6% | +12.2% | -25.6% | -36.0% | |
| P/FCF | 2.08 | 2.04 | 2.20 | 2.20 | 2.08 | 2.09 | 2.05 | 2.75 | 2.18 | 2.03 | 1.93 | 2.00 | 1.53 |
| — | -2.5% | +7.4% | -19.9% | -4.5% | +2.8% | +6.1% | +37.9% | +42.5% | +21.4% | +3.6% | -27.1% | -42.8% | |
| EV / EBITDA | 12.09 | 21.40 | 24.55 | 19.37 | 29.10 | 23.81 | 40.19 | 22.44 | 21.52 | 18.97 | 29.26 | 18.86 | 17.56 |
| — | -10.1% | -38.9% | -13.7% | +35.2% | +25.5% | +37.4% | +19.0% | +22.6% | +10.0% | +81.5% | +51.1% | +25.0% | |
| EV / EBIT | 12.09 | 27.26 | 32.82 | 24.30 | 41.53 | 31.98 | 70.77 | 29.69 | 27.95 | 24.06 | 42.83 | 23.75 | 23.04 |
| — | -14.8% | -53.6% | -18.2% | +48.6% | +32.9% | +65.2% | +25.0% | +21.3% | +11.1% | +115.9% | +65.1% | +38.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
OneMain Holdings, Inc.'s operating margin was 16.5% in Q3 2025, up 2.6 pp QoQ and up 2.4 pp YoY. The trailing four-quarter average of 14.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 10.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.5% | 49.3% | 46.1% | 48.8% | 44.4% | 44.5% | 37.9% | 47.7% | 47.9% | 49.9% | 44.5% | 50.9% | 50.9% |
| — | +10.8% | +21.5% | +2.3% | -7.4% | -10.9% | -14.7% | -6.2% | -5.8% | +0.0% | -20.3% | -19.8% | -15.1% | |
| Operating Margin | 37.5% | 16.5% | 13.9% | 18.3% | 10.9% | 14.1% | 6.5% | 15.1% | 16.1% | 18.2% | 10.6% | 18.5% | 18.3% |
| — | +16.8% | +112.8% | +21.7% | -31.9% | -22.3% | -38.2% | -18.6% | -12.4% | -4.9% | -51.9% | -42.0% | -39.3% | |
| Net Margin | 12.5% | 12.5% | 10.9% | 14.2% | 8.4% | 10.7% | 5.1% | 11.4% | 12.0% | 14.3% | 7.9% | 14.1% | 13.9% |
| — | +16.5% | +115.2% | +24.1% | -29.9% | -25.3% | -36.1% | -18.8% | -13.9% | -0.3% | -52.0% | -41.9% | -37.8% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 23.8% | 5.9% | 5.1% | 6.6% | 3.9% | 4.9% | 2.2% | 4.8% | 5.2% | 6.3% | 3.4% | 5.9% | 6.0% |
| — | +20.3% | +126.7% | +35.9% | -24.9% | -21.5% | -33.5% | -17.5% | -12.2% | +2.8% | -50.6% | -40.1% | -29.4% | |
| ROA | 2.9% | 0.7% | 0.6% | 0.8% | 0.5% | 0.6% | 0.3% | 0.6% | 0.7% | 0.8% | 0.4% | 0.8% | 0.8% |
| — | +19.8% | +118.9% | +27.5% | -28.2% | -23.9% | -35.4% | -19.2% | -15.1% | -2.0% | -52.6% | -42.4% | -32.8% | |
| ROIC | 6.9% | 0.8% | 0.6% | 0.8% | 0.5% | 0.6% | 0.3% | 0.7% | 0.7% | 0.8% | 0.5% | 0.8% | 0.8% |
| — | +19.8% | +115.9% | +24.8% | -30.4% | -21.0% | -37.7% | -19.2% | -13.8% | -6.7% | -52.6% | -42.6% | -34.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
OneMain Holdings, Inc.'s Debt/EBITDA ratio is 66.7x, down from 77.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 20496.2% YoY to 873.00x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 6.67 | 6.61 | 6.63 | 6.55 | 6.72 | 6.59 | 6.56 | 6.07 | 6.22 | 6.39 | 6.28 | 5.91 | 6.06 |
| — | +0.4% | +1.1% | +7.9% | +8.0% | +3.2% | +4.4% | +2.8% | +2.6% | +5.7% | +6.2% | +3.9% | +5.7% | |
| Debt / EBITDA | 9.70 | 66.68 | 77.11 | 62.30 | 91.62 | 76.03 | 127.60 | 72.30 | 69.03 | 63.63 | 95.02 | 61.51 | 58.78 |
| — | -12.3% | -39.6% | -13.8% | +32.7% | +19.5% | +34.3% | +17.5% | +17.4% | +8.0% | +81.3% | +61.1% | +39.8% | |
| Current Ratio | — | 873.00 | 2452.00 | 2297.00 | — | 4.24 | — | — | — | — | — | — | — |
| — | +20496.2% | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | — | 873.00 | 2452.00 | 2297.00 | — | 4.24 | — | — | — | — | — | — | — |
| — | +20496.2% | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | — | 0.82 | 0.68 | 0.88 | 0.53 | 0.69 | 0.31 | 0.74 | 0.82 | 0.92 | 0.57 | 0.98 | 1.03 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonOneMain Holdings, Inc.'s current P/E is 8.4x. The average P/E over the last 4 quarters is 9.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
OneMain Holdings, Inc.'s current operating margin is 37.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking OneMain Holdings, Inc.'s business trajectory between earnings reports.