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ONEMAIN HOLDINGS INC

OMFNYSE
πŸ† #1130 by market capUS Equity
$56.35β–² $0.17 (+0.31%)
Market closed Β· at close
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24hβ–² 0.3%
7dβ–Ό 1.6%
14dβ–Ό 7.0%
30dβ–Ό 9.8%
ytdβ–Ό 16.7%
1yβ–Ό 0.2%
🏦Market Cap
$6.51B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+6.9%
Slowing
πŸ“ŠGross Margin
79.9%
High
πŸ’΅FCF Margin
50.4%
Strong
βš–οΈP/S Ratio
1.0x
Cheap
Otter Score
84
Good

Trading Snapshot

Day Range
$55.51 – $56.70
52-Week Range
$45.78 – $71.93
Volume
$4.75B
Avg Volume
$4.41B
Shares Outstanding
115.5M
Next Earnings
Oct 29, 2026

Fundamentals Snapshot

Annual Revenue
$6.24B
Last Q Revenue
$1.63B
P/E Ratio
8.2
P/S Ratio
1.0x
EPS (TTM)
$6.63
Dividend Yield
7.75%
Dilution (1yr)
βˆ’1.5%

Why Investors Own OMF

  • βœ“High-growth profile β€” revenue up +27.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 68% gross margin and 21% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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ONEMAIN HOLDINGS INC

OMF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$6.2Bβ–² +9.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
47.6%β–² +9.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$1.0Bβ–² +50.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$3.1Bβ–² +16.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
118.3Mβ–Ό βˆ’1.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$21.8Bβ–Ό βˆ’$800M YoY
StockOtter Β· stockotter.space

About ONEMAIN HOLDINGS INC

OneMain Holdings, Inc. functions as a financial services holding company, primarily engaged in consumer lending and the provision of insurance products. The firm is responsible for originating, assessing, and servicing personal loans, which may be secured by collateral such as automobiles or other titled property, or they may be unsecured. Additionally, the company provides credit cards and a diverse portfolio of insurance offerings, encompassing life, disability, and job loss coverage. They also offer optional non-credit insurance, guaranteed asset protection (available as a waiver or insurance policy), and various membership programs. With a physical footprint of around 1,400 locations across 44 states in the United States, along with an active online platform at onemainfinancial.com, the company reaches its customers. Established in 1912 and based in Evansville, Indiana, the entity was formerly known as Springleaf Holdings, Inc., adopting its current name, OneMain Holdings, Inc., in November 2015.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
84/100

Analyst Price Target

β“˜
Average Target
$69.23
β–² +22.9% Upside
High Target$75.65
Low Target$51.87
Based on 13 analysts

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