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OneMain Holdings, Inc. OMF
Financial Services - Financial - Credit Services - NYSE - US
Watchlist
$ 41.54
1.24 %
$ 4.96 B
Market Cap
9.8
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OMF stock under the worst case scenario is HIDDEN Compared to the current market price of 41.5 USD, OneMain Holdings, Inc. is HIDDEN

OMF Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OMF stock under the base case scenario is HIDDEN Compared to the current market price of 41.5 USD, OneMain Holdings, Inc. is HIDDEN

OMF Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OMF stock under the best case scenario is HIDDEN Compared to the current market price of 41.5 USD, OneMain Holdings, Inc. is HIDDEN

OMF Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart OMF

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1M -20%
6M -11%
1Y -8%
3Y 12%
5Y 299%
All
$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
695 M REVENUE
-72.84%
Growth Rates
1Year -72.84%
3Years -44.37%
5Years -28.86%
7Years -18.73%
10Years -10.80%
-2.13 B OPERATING INCOME
-130.93%
Growth Rates
1Year -130.93%
3Years -30.51%
5Years -24.06%
7Years -15.29%
10Years -9.09%
509 M NET INCOME
-20.59%
Growth Rates
1Year -20.59%
3Years -27.10%
5Years -9.85%
7Years 15.74%
10Years -1.75%
2.7 B OPERATING CASH FLOW
7.15%
Growth Rates
1Year 7.15%
3Years 6.30%
5Years 2.70%
7Years 8.20%
10Years 21.03%
-3.27 B INVESTING CASH FLOW
-14.12%
Growth Rates
1Year -14.12%
3Years -15.08%
5Years 0.97%
7Years -5.86%
10Years -10.82%
130 M FINANCING CASH FLOW
-86.05%
Growth Rates
1Year -86.05%
3Years 27.48%
5Years -38.85%
7Years -25.01%
10Years 7.56%
160 M REVENUE
-89.08%
Growth Rates
1Year -72.84%
3Years -44.37%
5Years -28.86%
7Years -18.73%
10Years -10.80%
593 M OPERATING INCOME
-45.70%
Growth Rates
1Year -130.93%
3Years -30.51%
5Years -24.06%
7Years -15.29%
10Years -9.09%
126 M NET INCOME
-20.25%
Growth Rates
1Year -20.59%
3Years -27.10%
5Years -9.85%
7Years 15.74%
10Years -1.75%
752 M OPERATING CASH FLOW
11.08%
Growth Rates
1Year 7.15%
3Years 6.30%
5Years 2.70%
7Years 8.20%
10Years 21.03%
-1.03 B INVESTING CASH FLOW
-2.09%
Growth Rates
1Year -14.12%
3Years -15.08%
5Years 0.97%
7Years -5.86%
10Years -10.82%
148 M FINANCING CASH FLOW
-51.16%
Growth Rates
1Year -86.05%
3Years 27.48%
5Years -38.85%
7Years -25.01%
10Years 7.56%
Balance Sheet OneMain Holdings, Inc.
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Current Assets 2.06 B
Cash & Short-Term Investments 2.06 B
Receivables 0
Other Current Assets 0
Non-Current Assets 1.76 B
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 1.76 B
53.99 %46.01 %Total Assets$3.8b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 21.4 B
Long-Term Debt 21.4 B
Other Non-Current Liabilities 0
100.00 %Total Liabilities$21.4b
EFFICIENCY
Earnings Waterfall OneMain Holdings, Inc.
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Revenue 695 M
Cost Of Revenue 879 M
Gross Profit -184 M
Operating Expenses 4.54 B
Operating Income -2.13 B
Other Expenses -2.64 B
Net Income 509 M
1b1b00(1b)(1b)(2b)(2b)(3b)(3b)(4b)(4b)(5b)(5b)695m(879m)(184m)(5b)(2b)3b509mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
-26.47% GROSS MARGIN
-26.47%
Averages
1Year -26.47%
3Years 17.99%
5Years 43.71%
7Years 54.14%
10Years 62.49%
-306.33% OPERATING MARGIN
-306.33%
Averages
1Year -306.33%
3Years -66.70%
5Years -26.39%
7Years -8.37%
10Years 4.61%
73.24% NET MARGIN
73.24%
Averages
1Year 73.24%
3Years 39.68%
5Years 34.06%
7Years 29.43%
10Years 20.48%
15.95% ROE
15.95%
Averages
1Year 15.95%
3Years 21.62%
5Years 25.71%
7Years 22.87%
10Years 16.48%
1.96% ROA
1.96%
Averages
1Year 1.96%
3Years 2.82%
5Years 3.53%
7Years 3.38%
10Years 2.47%
-42.48% ROIC
-42.48%
Averages
1Year -42.48%
3Years -13.96%
5Years -6.62%
7Years -1.32%
10Years -0.09%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis OneMain Holdings, Inc.
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3b3b3b3b2b2b2b2b1b1b500m500m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 509 M
Depreciation & Amortization 277 M
Capital Expenditures 0
Stock-Based Compensation 30 M
Change in Working Capital -125 M
Others 1.92 B
Free Cash Flow 2.7 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets OneMain Holdings, Inc.
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Wall Street analysts predict an average 1-year price target for OMF of $55.5 , with forecasts ranging from a low of $27 to a high of $65 .
OMF Lowest Price Target Wall Street Target
27 USD -35.00%
OMF Average Price Target Wall Street Target
55.5 USD 33.70%
OMF Highest Price Target Wall Street Target
65 USD 56.48%
Price
Max Price Target
Min Price Target
Average Price Target
656560605555505045454040353530302525May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
2.01% DIVIDEND YIELD
1.04 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
10.0010.009.009.008.008.007.007.006.006.005.005.004.004.003.003.002.002.001.001.000.000.002.833.950.95111.040.330.70.9511.042.252.334.20.9511.043.000.455.940.79.550.953.8014.001.044.121.0420192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership OneMain Holdings, Inc.
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Sold
0-3 MONTHS
158 K USD 1
3-6 MONTHS
1.58 M USD 3
6-9 MONTHS
1.76 M USD 3
9-12 MONTHS
1.5 M USD 3
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
3 Rock-Solid Dividend Stocks Yielding Over 8% High-yield dividend stocks are becoming even more compelling as market volatility increases. 247wallst.com - 3 weeks ago
OneMain Financial Elects Andrew D. Macdonald to Board of Directors NEW YORK , March 17, 2025 /PRNewswire/ -- OneMain Financial, the leader in offering nonprime customers responsible access to credit, today announced that Andrew D. Macdonald was elected to its Board of Directors, effective immediately. prnewswire.com - 1 month ago
OneMain: Hold Now, Fairly Valued Yet Bearish OneMain Holdings, Inc. shows modest revenue growth and stable margins despite higher credit loss provisions and increased operating expenses. The company enjoys robust loan growth and improved credit trends, but delinquencies warrant caution. OMF's stock appears expensive relative to its valuation metrics, with technical indicators suggesting potential downside risks. seekingalpha.com - 1 month ago
OneMain Holdings to Present at Bank of America Securities 2025 Financial Services Conference NEW YORK , Feb. 6, 2025 /PRNewswire/ -- OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, announced today that Doug Shulman, Chairman and CEO, will present at the Bank of America Securities 2025 Financial Services Conference at 11:20 a.m. Eastern on Wednesday, February 12. prnewswire.com - 2 months ago
OneMain Holdings Q4 Earnings Beat on Higher NII, Stock Falls 3.2% OMF's fourth-quarter 2024 results top estimates on higher NII. However, rise in operating expenses and provisions alongside lower other revenues are woes. zacks.com - 2 months ago
OneMain Holdings, Inc. (OMF) Q4 2024 Earnings Call Transcript OneMain Holdings, Inc. (NYSE:OMF ) Q4 2024 Earnings Conference Call January 31, 2025 9:00 AM ET Company Participants Peter Poillon - Head of Investor Relations Doug Shulman - Chairman and Chief Executive Officer Jenny Osterhout - Executive Vice President and Chief Financial Officer Conference Call Participants Terry Ma - Barclays Moshe Orenbuch - TD Cowen Mark DeVries - Deutsche Bank John Hecht - Jefferies Kyle Joseph - Stephens Michael Kaye - Wells Fargo Mihir Bhatia - Bank of America Operator Welcome to the OneMain Financial Fourth Quarter 2024 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Peter Poillon, Head of Investor Relations. seekingalpha.com - 2 months ago
OneMain Holdings: At Fair Value Given Modest Credit Improvement (Downgrade) OneMain Holdings, Inc.'s shares have performed well, but slower credit loss improvement and in-line quarterly results have led to a pullback. The company reported $1.16 EPS, slightly beating estimates, with revenue up 9% to $1.5 billion, but higher credit loss provisions impacted earnings. Improved credit quality due to tighter underwriting, with delinquency rates showing signs of improvement and stable reserves at 11.5% of loans. seekingalpha.com - 2 months ago
Here's What Key Metrics Tell Us About OneMain (OMF) Q4 Earnings The headline numbers for OneMain (OMF) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
OneMain Holdings (OMF) Q4 Earnings and Revenues Beat Estimates OneMain Holdings (OMF) came out with quarterly earnings of $1.16 per share, beating the Zacks Consensus Estimate of $1.12 per share. This compares to earnings of $1.39 per share a year ago. zacks.com - 2 months ago
ONEMAIN HOLDINGS, INC. REPORTS FOURTH QUARTER 2024 RESULTS 4 Q 2024 Diluted EPS of $1.05 4 Q 2024 C&I adjusted diluted EPS of $1.16 4 Q 2024 Managed receivables of $24.7 billion Declared quarterly dividend of $1.04 per share NEW YORK , Jan. 31, 2025 /PRNewswire/ -- OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, today reported pretax income of $164 million and net income of $126 million for the fourth quarter of 2024, compared to $220 million and $165 million, respectively, in the prior year quarter. Earnings per diluted share were $1.05 in the fourth quarter of 2024, compared to $1.38 in the prior year quarter. prnewswire.com - 2 months ago
3 Stocks to Watch From the Challenging Consumer Loan Industry Concerns related to higher interest rates and poor asset quality are likely to hurt the Zacks Consumer Loans industry. However, digitization of operations and easing lending standards will support COF, ALLY and OMF. zacks.com - 2 months ago
OneMain Holdings (OMF) Expected to Beat Earnings Estimates: Can the Stock Move Higher? OneMain (OMF) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
8. Profile Summary

OneMain Holdings, Inc. OMF

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 4.96 B
Dividend Yield 2.01%
Description OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured. The company also offers credit cards and insurance products comprising life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. It operates through a network of approximately 1,400 branch offices in 44 states in the United States, as well as through its website onemainfinancial.com. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was founded in 1912 and is based in Evansville, Indiana.
Contact 601 N.W. Second Street, Evansville, IN, 47708-1013 https://www.onemainfinancial.com
IPO Date Oct. 16, 2013
Employees 9000
Officers Mr. Mark Mattern Head of Credit Cards Ms. Sundus Kubba Chief of Staff Mr. Douglas H. Shulman Chairman, President & Chief Executive Officer Mr. Micah R. Conrad C.F.A. Executive Vice President & Chief Operating Officer Mr. Dinesh Goyal Executive Vice President & Chief Credit and Customer Acquisition Officer Ms. Lily Fu Claffee Executive Vice President, Chief Legal Officer & Corporate Secretary Mr. Larry Fitzpatrick Executive Vice President & Chief Technology Officer Mr. Peter R. Poillon Head of Investor Relations Ms. Jeannette E. Osterhout Executive Vice President & Chief Financial Officer Mr. Michael A. Hedlund Senior Vice President & Group Controller