OneMain Holdings (OMF) Stock Price & Analysis
OMF Stock Chart & Stats
- Day’s Range
- MXN 749.55 - MXN 749.55
- 52-Week Range
- MXN 749.50 - MXN 923.00
- Previous Close
- MXN 749.55
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 122.25B
- Enterprise Value
- MXN 28.78B
- Total Cash (Recent Filing)
- MXN 2.49B
- Total Debt (Recent Filing)
- MXN 24.07B
- Price to Earnings (P/E)
- 8.6
- Beta
- 0.12
- Next Earnings
- Feb 10, 2027 (Est.)
- EPS Estimate
- 33.24
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 6.65%
Bulls Say, Bears Say
Bulls Say
Receivables And Origination Growth
Strong growth in managed receivables and originations indicates continued demand across OneMain’s lending platforms. Expanding scale can support recurring interest income, improve operating leverage, and reinforce the company’s market position if underwriting discipline remains intact.
Improving Credit Performance
Improving delinquency and charge-off trends support better credit economics and can reduce future loss pressure as newer portfolio vintages mature. Sustained credit improvement would strengthen earnings quality, support capital generation, and improve resilience through the lending cycle.
Operating Leverage And Cash Generation
Expenses growing more slowly than receivables shows scalable operating leverage in the branch and digital model. Combined with strong capital generation, this provides internal resources to support portfolio growth, absorb credit costs, and maintain strategic flexibility over coming quarters.
Bears Say
High Balance-sheet Leverage
High leverage amplifies returns when credit conditions are favorable but leaves less room for error when losses or funding costs rise. It increases sensitivity to borrower performance, capital-market access, and economic downturns, making balance-sheet risk a durable constraint on flexibility.
Elevated Credit Provisions And Losses
Large provisions and an elevated charge-off outlook consume earnings and capital that could otherwise fund growth or shareholder returns. The reserve build also signals continuing credit-cost pressure, particularly while management works through portfolio seasoning and uncertain economic conditions.
Portfolio Mix And Funding-cost Pressure
A shift toward secured lending can lower portfolio yields, while faster credit-card growth brings higher loss rates and upfront reserve needs. At the same time, rising interest expense pressures spreads, creating a lasting risk that asset-mix changes dilute profitability even as receivables expand.
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OneMain Holdings Stock Smart Score
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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Douglas H. Shulman
- Employees
- 9,300
- Website
- www.onemainfinancial.com
- Address
- 601 N.W. Second Street, Evansville, IN, 47708, US
OneMain Holdings (OMF) Earnings & Revenues
OMF Company Deck
OMF Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, with accelerating receivables and originations growth, improving delinquency and charge-off trends, strong capital generation, better operating leverage, successful funding execution, and continued shareholder returns. The main challenges were the legacy back book, higher reserve and interest expenses, portfolio-mix-related yield and reserve pressure, macroeconomic uncertainty, and full-year C&I charge-offs expected at the higher end of guidance. Management nevertheless characterized the business trajectory as strong and expected further loss improvement into 2027.
View all MX:OMF earnings summariesOMF Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 2 | 1 | 12 |
| Technical Analysis | 0 | 1 | 2 |
| Moving Averages | 2 | 0 | 10 |
