Skip to content
Company Analysis

OneMain Holdings, Inc. OMF

A comprehensive view of key metrics, scores, and financial health for OneMain Holdings, Inc.

Overview of OneMain Holdings, Inc.

OMF NYQ
Financial Services Credit Services Mid Cap
OneMain Holdings, Inc. (OMF), is a Mid Cap company, in the Credit Services industry, last closed at $52.06, about 42.8% overvalued vs fair value, +7.1% 1Y return, placing in the top 10% of its sector.
$52.06
-1.20%
As of March 13, 2026
Previous close • Vol 90d: 32.1%
52-Week Range
Market Cap
$6.26B
Enterprise Value
$28.04B
Overall Score
Scores locked

Create a free account to see overall and pillar scores for OneMain Holdings, Inc..

Top Beats
No strong beats yet

Quick Facts

Website https://www.onemainfinancial.c...
HQ Evansville, IN
Employees 9,300
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$30
$56
Current: $52.06 -43% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$5.5B
9.3%%
Interest Expense
$1.3B
Net Interest Income
$4.2B
9.8%%
Total Revenue
$5.0B
9.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
23.0%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$640.0M
81.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating OneMain Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Pricing Power

Moderate
62
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing OMF's balance between Growth (30.7%), Profitability (37.1%), and Safety (32.1%). Growth 31% Safety 32% Profitability 37%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

49th percentile vs peers
49
Key Signals
Rev Growth YoY 9.5% 44p EPS Growth YoY 54.9% 63p Revenue CAGR 3Y 5.8% 36p TSR 37.7% 78p EPS CAGR 3Y -2.2% 38p
Strengths
  • D/E Ratio in top 20% of peers (6.67, 85th percentile)
  • Fcf Margin in top 20% of peers (63.0%, 83th percentile)
  • Cash Flow To Debt Ratio in top 20% of peers (6.26, 95th percentile)
  • Consistently strong margins across 4 metrics
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

59th percentile vs peers
59
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

51th percentile vs peers
51
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for OneMain Holdings, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$29.76
- - -
-42.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info