15.2% Below Target

OneMain Holdings, Inc. (OMF) has a consensus 12-month price target of $67, implying 15.2% upside from $58.18. The 31 analysts covering OMF see moderate appreciation potential.

OMF has a consensus rating of "Buy" based on 31 Wall Street analysts. The rating breakdown is predominantly bullish, with 22 Buy/Strong Buy ratings. The consensus 12-month price target of $67 implies 15.2% upside from current levels.

With a forward P/E of 7.988x, OMF trades at a relatively low valuation. The consensus target of $67 implies 15.2% appreciation, suggesting meaningful undervaluation.

The most bullish Wall Street analyst has a price target of $76 for OMF, while the most conservative target is $55. The consensus of $67 represents the median expectation. Our quantitative valuation model projects a bull case target of $94 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.

OMF is heavily covered by Wall Street, with 31 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 22 have Buy ratings, 8 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.

The 12-month OMF stock forecast based on 31 Wall Street analysts shows a consensus price target of $67, with estimates ranging from $55 (bear case) to $76 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $71, with bear/bull scenarios of $45/$94.

Our quantitative valuation model calculates OMF's fair value at $71 (base case), with a bear case of $45 and bull case of $94. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 52/100.

OMF trades at a forward P/E ratio of 8.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 8.9x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.

Wall Street analysts are optimistic on OMF, with a "Buy" consensus rating and $67 price target (15.2% upside). 22 of 31 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.

OMF analyst price targets range from $55 to $76, a 31% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $67 consensus represents the middle ground. Our model's $45-$94 range provides an independent fundamental perspective.