Want to see OMF full AI Analyst Report?
OMF Stock Chart & Stats
$63.23
$1.07(1.79%)
At close: 4:00 PM EDT
$63.23
$1.07(1.79%)
Day’s Range― - ―
52-Week Range$45.78 - $71.93
Previous CloseN/A
Volume247.02K
Average Volume (3M)903.55K
Market Cap
$6.44B
Enterprise Value$28.52B
Total Cash (Recent Filing)$2.22B
Total Debt (Recent Filing)$22.77B
Price to Earnings (P/E)8.4
Beta1.30
Next Earnings
Oct 30, 2026EPS Estimate
1.57Next Dividend Ex-DateN/A
Dividend Yield7.51%
Share Statistics
EPS (TTM)6.65
Shares Outstanding115,041,466
10 Day Avg. Volume858,980
30 Day Avg. Volume903,547
Financial Highlights & Ratios
PEG Ratio0.19
Price to Book (P/B)2.36
Price to Sales (P/S)1.29
P/FCF Ratio2.56
Enterprise Value/Market Cap4.43
Enterprise Value/Revenue4.44
Enterprise Value/Gross Profit6.98
Enterprise Value/Ebitda14.65
Forecast
1Y Price Target
$65.00Price Target Upside2.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)6.75
Revenue Forecast (FY)$5.28B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationStrong and accelerating cash generation indicates that reported earnings are converting into internally generated funds. This supports loan portfolio growth, technology investment, debt management, and shareholder distributions while providing a durable operating foundation over the next several quarters.
Receivables And Origination GrowthGrowth in both managed receivables and originations demonstrates continued demand for OneMain’s consumer credit products and expansion of its earning-asset base. Sustained volume growth can support recurring interest income and operating scale, provided underwriting remains disciplined.
Product And Operating EfficiencyThe card platform is gaining scale while showing improving unit economics, with higher revenue yield, faster purchase activity, and lower marginal servicing costs. These trends can strengthen earnings capacity over time as the expanding customer base produces greater operating leverage.
Bears Say
High Financial LeverageVery high leverage magnifies returns when portfolio performance is strong but leaves less protection during credit deterioration or funding stress. It can constrain financial flexibility, increase sensitivity to financing costs, and make future capital allocation more dependent on stable cash generation.
Elevated Credit Losses And ReservesElevated charge-offs and substantial reserve levels show that credit costs remain a core earnings pressure for this nonprime lender. Even with sequential improvement, losses can absorb revenue growth, reduce profitability, and require continued provisioning as portfolio mix and vintages evolve.
Earnings Pressure From ProvisionsThe decline in EPS despite higher revenue indicates that incremental growth is currently being offset by credit provisions and operating investment. Persistent expense or loss pressure could limit earnings conversion and make profitability more volatile across the lending cycle.
OneMain Holdings News
OMF FAQ
What was OneMain Holdings’s price range in the past 12 months?
OneMain Holdings lowest stock price was $45.78 and its highest was $71.93 in the past 12 months.
What is OneMain Holdings’s market cap?
OneMain Holdings’s market cap is $6.44B.
When is OneMain Holdings’s upcoming earnings report date?
OneMain Holdings’s upcoming earnings report date is Oct 30, 2026 which is in 10 days.
How were OneMain Holdings’s earnings last quarter?
OneMain Holdings released its earnings results on Jul 29, 2026. The company reported $1.31 earnings per share for the quarter, beating the consensus estimate of $1.261 by $0.049.
Is OneMain Holdings overvalued?
According to Wall Street analysts OneMain Holdings’s price is currently Undervalued.
Does OneMain Holdings pay dividends?
OneMain Holdings pays a Quarterly dividend of $1.05 which represents an annual dividend yield of 7.51%. See more information on OneMain Holdings dividends here
What is OneMain Holdings’s EPS estimate?
OneMain Holdings’s EPS estimate is 1.57.
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 $1.31 in its last earnings report, beating expectations of $1.261. Following the earnings report the stock price went up 1.125%.
Which hedge fund is a major shareholder of OneMain Holdings?
Currently, no hedge funds are holding shares in OMF
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
OneMain Holdings Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$65.00 (2.80% Upside)
$65.00 (2.80% Upside)
Blogger Sentiment
Bullish
OMF Sentiment 78%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Decreased
By 165.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $327.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 0.2%
Last 30 Days ▲ 0.9%
Last 30 Days ▲ 0.9%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
12.80%
12-Months-Change
Fundamentals
Return on Equity
23.07%
Trailing 12-Months
Asset Growth
2.99%
Trailing 12-Months
Learn more about TipRanks 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.
OMF Company Deck
OMF 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 OMF earnings summariesOMF Stock 12 Month Forecast
Average Price Target
$65.00
▲(2.80% Upside)
Technical Analysis
Regional Management
―
World Acceptance
―
Atlanticus Holdings
―
Enova International
―
OppFi
―
Ownership Overview
0.51% Insiders
34.98% Mutual Funds
0.82% Other Institutional Investors
41.54% Public Companies and
Individual Investors