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OneMain Holdings (DE:0S1)
XETRA:0S1

OneMain Holdings (0S1) Price & Analysis

2 Followers

0S1 Stock Chart & Stats

€54.40
€1.52(2.97%)
At close: 4:00 PM EDT
€54.40
€1.52(2.97%)

Bulls Say, Bears Say

Bulls Say
Receivables And Origination GrowthGrowth in managed receivables and originations indicates continued demand for OneMain’s installment, auto, and card products. Expanding balances can support recurring interest income and operating scale over the next several quarters, provided underwriting remains disciplined.
Strong Cash GenerationFree cash flow that closely tracks net income provides evidence that reported profitability is converting into cash. Stronger internal cash generation can support lending activity, debt management, technology investment, and shareholder returns while reducing reliance on external funding.
Product Innovation And Operating LeverageInvestment in digital origination, internal AI, and personalized offers can improve customer acquisition, underwriting, and servicing efficiency. Combined with a stable-to-improving expense ratio, these capabilities may strengthen scalability and competitiveness across products.
Bears Say
High Financial LeverageHigh leverage leaves OneMain with limited balance-sheet cushion if borrower performance or funding conditions deteriorate. It can amplify returns when credit remains healthy, but also increases sensitivity to losses, refinancing needs, and the cost of maintaining financial flexibility.
Elevated Credit Losses And ReservesElevated charge-offs and additional provisioning are absorbing part of the benefit from receivables and revenue growth. Persistently high losses would pressure earnings and capital generation, while the effect of prior vintages rolling into losses may remain relevant over coming quarters.
High Credit-card Loss IntensityThe rapidly expanding card portfolio carries materially higher loss intensity than the consumer loan portfolio and requires substantially heavier reserves. Continued card growth could therefore increase consolidated credit costs and make future profitability more dependent on successful portfolio seasoning.

OneMain Holdings News

0S1 FAQ

What was OneMain Holdings’s price range in the past 12 months?
OneMain Holdings lowest stock price was €42.39 and its highest was €61.18 in the past 12 months.
    What is OneMain Holdings’s market cap?
    OneMain Holdings’s market cap is €5.79B.
      When is OneMain Holdings’s upcoming earnings report date?
      OneMain Holdings’s upcoming earnings report date is Oct 28, 2026 which is in 31 days.
        How were OneMain Holdings’s earnings last quarter?
        OneMain Holdings released its earnings results on Jul 29, 2026. The company reported €1.15 earnings per share for the quarter, beating the consensus estimate of €1.107 by €0.043.
          Is OneMain Holdings overvalued?
          According to Wall Street analysts OneMain Holdings’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does OneMain Holdings pay dividends?
            OneMain Holdings does not currently pay dividends.
            What is OneMain Holdings’s EPS estimate?
            OneMain Holdings’s EPS estimate is 1.58.
              How many shares outstanding does OneMain Holdings have?
              OneMain Holdings has 115,041,466 shares outstanding.
                What happened to OneMain Holdings’s price movement after its last earnings report?
                OneMain Holdings reported an EPS of €1.15 in its last earnings report, beating expectations of €1.107. Following the earnings report the stock price went up 0.073%.
                  Which hedge fund is a major shareholder of OneMain Holdings?
                  Currently, no hedge funds are holding shares in DE:0S1
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    OneMain Holdings

                    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.

                    OneMain Holdings (0S1) Earnings & Revenues

                    0S1 Company Deck

                    0S1 Earnings Call

                    Q2 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Positive
                    The call presented a predominantly positive picture: the company delivered healthy top-line growth (managed receivables +7%, originations +10%), meaningful product momentum (auto +19% originations, cards rapid scale and revenue yield gains), improving early-stage delinquency trends, strong recoveries, solid funding access and continued investment in technology. Offsetting these positives are elevated year-over-year net charge-offs and a modest reserve build (driven by rapid card growth and prior vintage delinquencies), a small decline in EPS versus prior year, and a persistent back-book delinquency drag. Management maintained full-year guidance and emphasized a conservative underwriting posture while opportunistically investing and returning capital. Overall, the positives (growth, improving delinquencies, funding strength, product scaling and efficiency gains) outweigh the near-term credit and reserve headwinds.View all DE:0S1 earnings summaries

                    0S1 Stock 12 Month Forecast

                    Average Price Target

                    €61.32
                    ▲(12.72% Upside)
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<span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 14,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 13, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":44.861,"date":1759276800000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 9,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 10, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":44.963,"date":1761955200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 13,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 12, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":50.775,"date":1764547200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 15,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 12, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":54.753,"date":1767225600000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 12,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 12, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 1</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":51.779,"date":1769904000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 15,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 14, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 2</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":44.445,"date":1772323200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 16,\t&nbsp; </span>\n              <span  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style=\"color:#912767\">Sell 1</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":45.882,"date":1780272000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 10,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 13, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 1</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":52.461,"date":1782864000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 19,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 17, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 2</span>\n      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