OneMain Holdings, Inc. (OMF) P/E Ratio History
Fairly ValuedTrading at 9.0x, near 5Y avg of 8.0x · 50th percentile · In line with own history · Data 2014–2026
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P/E Ratio Analysis
As of September 23, 2026, OneMain Holdings, Inc. (OMF) trades at a price-to-earnings ratio of 9.0x, with a stock price of $59.08 and trailing twelve-month earnings per share of $6.74.
The current P/E is 13% above its 5-year average of 8.0x. Over the past five years, OMF's P/E has ranged from a low of 3.9x to a high of 12.3x, placing the current valuation at the 50th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.1x, OMF trades at a 36% discount to its sector peers. The sector includes 804 companies with P/E ratios ranging from 0.0x to 150.0x.
The PEG ratio of 2.29 (P/E divided by 55% EPS growth) suggests the stock may be expensive relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, OMF trades at a notable discount to the S&P 500 median P/E of 25.5x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our OMF DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
OMF Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
OMF P/E vs Peers
Consumer Credit Issuers and Installment Lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $5B | 7.0Lowest | 0.78 | +29% | |
| $4B | 14.6 | - | +56% | |
| $806M | 25.1 | - | -58% | |
| $123B | 49.8 | - | -65% | |
| $24B | 7.8 | 0.24Best | +9% | |
| $12B | 16.5 | - | +32% | |
| $20B | 34.5 | 1.26 | +30% | |
| $14B | 31.0 | 5.82 | +60%Best |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
OMF Historical P/E Data (2014–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q2 | - | $60.97 | $6.63 | 9.2x | -31% |
| FY2026 Q1 | - | $53.49 | $6.72 | 8.0x | -40% |
| FY2025 Q4 | Dec 31 2025 | $67.55 | $6.57 | 10.3x | -23% |
| FY2025 Q3 | - | $56.46 | $5.90 | 9.6x | -28% |
| FY2025 Q2 | Jun 30 2025 | $57.00 | $5.54 | 10.3x | -22% |
| FY2025 Q1 | Mar 31 2025 | $48.88 | $4.73 | 10.3x | -22% |
| FY2024 Q4 | - | $52.13 | $4.24 | 12.3x | -7% |
| FY2024 Q3 | Sep 30 2024 | $47.07 | $4.57 | 10.3x | -22% |
| FY2024 Q2 | Jun 30 2024 | $48.49 | $4.87 | 10.0x | -25% |
| FY2024 Q1 | Mar 31 2024 | $51.09 | $5.13 | 10.0x | -25% |
| FY2023 Q4 | Dec 31 2023 | $49.20 | $5.32 | 9.2x | -30% |
| FY2023 Q3 | Sep 30 2023 | $40.09 | $5.38 | 7.5x | -44% |
| FY2023 Q2 | Jun 30 2023 | $43.69 | $5.26 | 8.3x | -37% |
| FY2023 Q1 | Mar 31 2023 | $37.08 | $6.08 | 6.1x | -54% |
| FY2022 Q4 | Dec 31 2022 | $33.31 | $6.98 | 4.8x | -64% |
| FY2022 Q3 | Sep 30 2022 | $29.52 | $7.56 | 3.9x | -71% |
| FY2022 Q2 | - | $37.38 | $8.24 | 4.5x | -66% |
| FY2022 Q1 | - | $47.41 | $9.17 | 5.2x | -61% |
| FY2021 Q4 | Dec 31 2021 | $50.04 | $9.85 | 5.1x | -62% |
| FY2021 Q3 | - | $55.33 | $10.50 | 5.3x | -60% |
| FY2021 Q2 | Jun 30 2021 | $59.91 | $10.19 | 5.9x | -56% |
| FY2021 Q1 | Mar 31 2021 | $53.72 | $8.25 | 6.5x | -51% |
| FY2020 Q4 | - | $48.16 | $5.43 | 8.9x | -33% |
| FY2020 Q3 | Sep 30 2020 | $31.25 | $4.67 | 6.7x | -50% |
| FY2020 Q2 | - | $24.54 | $4.63 | 5.3x | -60% |
| FY2020 Q1 | - | $19.12 | $5.39 | 3.5x | -73% |
| FY2019 Q4 | - | $42.15 | $6.26 | 6.7x | -49% |
| FY2019 Q3 | Sep 30 2019 | $36.68 | $5.58 | 6.6x | -50% |
| FY2019 Q2 | Jun 30 2019 | $33.81 | $4.85 | 7.0x | -47% |
| FY2019 Q1 | Mar 31 2019 | $31.75 | $3.48 | 9.1x | -31% |
| FY2018 Q4 | Dec 31 2018 | $24.29 | $3.28 | 7.4x | -44% |
| FY2018 Q3 | Sep 30 2018 | $33.61 | $2.34 | 14.4x | +8% |
| FY2018 Q2 | Jun 30 2018 | $33.29 | $1.76 | 18.9x | +43% |
| FY2018 Q1 | Mar 31 2018 | $29.94 | $2.02 | 14.8x | +12% |
| FY2017 Q4 | Dec 31 2017 | $25.99 | $1.35 | 19.3x | +45% |
| FY2017 Q3 | Sep 30 2017 | $28.19 | $1.26 | 22.4x | +69% |
| FY2017 Q2 | Jun 30 2017 | $24.59 | $0.94 | 26.2x | +97% |
| FY2017 Q1 | Mar 31 2017 | $24.85 | $0.82 | 30.3x | +128% |
| FY2016 Q4 | Dec 31 2016 | $22.14 | $1.60 | 13.8x | +4% |
| FY2015 Q2 | - | $45.91 | $3.47 | 13.2x | -0% |
| FY2015 Q1 | - | $51.77 | $4.19 | 12.4x | -7% |
| FY2014 Q4 | Dec 31 2014 | $36.17 | $4.37 | 8.3x | -38% |
| FY2014 Q3 | - | $31.93 | $5.02 | 6.4x | -52% |
| FY2014 Q2 | Jun 30 2014 | $25.95 | $0.39 | 66.5x | +401% |
| FY2014 Q1 | Mar 31 2014 | $25.15 | $0.26 | 96.7x | +629% |
Average P/E for displayed period: 13.3x
OMF Chart Terminal
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Peer Comparison
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OMF — Frequently Asked Questions
Quick answers to the most common questions about buying OMF stock.
What is OMF's P/E ratio?
OneMain Holdings, Inc. (OMF) trailing twelve-month P/E ratio is 9.0x, based on TTM diluted EPS of $6.74. The 5-year average P/E is 8.0x and the historical range spans 3.9x to 12.3x.
Is OMF stock overvalued or undervalued?
OMF trades at 9.0x P/E, near its 5-year average of 8.0x. The 50th percentile ranking within the 3.9x–12.3x historical range places valuation within normal bounds.
Is OMF stock expensive?
OMF is fairly valued relative to its own history. The current P/E of 9.0x is near the 5-year average of 8.0x (50th percentile of historical range).
What is OMF's historical P/E range?
Over the past 5 years, OMF's P/E ratio has ranged from 3.9x to 12.3x, with a median of 9.2x and an average of 8.0x. The current P/E of 9.0x places the stock at the 50th percentile of this range. Full historical data spans 2014–2026.
How does OMF's P/E compare to the S&P 500?
OMF trades at 9.0x P/E versus the S&P 500 median of 25.5x. The 65% discount to the market suggests lower growth expectations or perceived higher risk.
How does OMF's valuation compare to Financial Services peers?
OneMain Holdings, Inc. P/E of 9.0x compares to the Financial Services sector median of 14.1x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is OMF's PEG ratio?
OMF PEG ratio is 2.29, based on a P/E of 9.0x and EPS growth of 54.7%. A PEG above 2.0 indicates a premium valuation relative to earnings growth — typically considered expensive.
What is OMF's earnings yield?
OMF earnings yield is 11.10%, the inverse of its 9.0x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.