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OneMain Holdings NYSE:OMF Stock Report

Last Price


Market Cap







29 Jun, 2022


Company Financials +
OMF fundamental analysis
Snowflake Score
Future Growth2/6
Past Performance3/6
Financial Health1/6

OMF Stock Overview

OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses.

OneMain Holdings Competitors

Price History & Performance

Summary of all time highs, changes and price drops for OneMain Holdings
Historical stock prices
Current Share PriceUS$37.83
52 Week HighUS$63.19
52 Week LowUS$34.22
1 Month Change-14.49%
3 Month Change-20.21%
1 Year Change-36.86%
3 Year Change8.96%
5 Year Change52.97%
Change since IPO96.42%

Recent News & Updates

Jun 19
Here's Why We Think OneMain Holdings (NYSE:OMF) Might Deserve Your Attention Today

Here's Why We Think OneMain Holdings (NYSE:OMF) Might Deserve Your Attention Today

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...

Jun 14

OneMain Holdings: Enticing Dividend Yield

OneMain is the largest non-prime lending company in the U.S. Their business has been growing at a solid pace with a well-managed portfolio to avoid risk. Low unemployment rate and strong financial health of the American people will benefit OneMain's business growth.

May 24

OneMain Holdings Is Looking Cheap

OneMain has seen strong receivables growth to power revenue and net income growth over the past few years. Credit metrics have been phenomenal, but inflation, rising rates, and subprime customers may change this. Either way, the bank trades at low multiples and offers a high dividend.

May 18

OneMain Holdings: Too Cheap With A Big Yield

Today, we revisit OneMain Holdings for the first time since late in 2021. The stock has slid some 15% since then despite solid results, recent insider buying, and a boost of its dividend yield to 9%. A full investment analysis follows in the paragraphs below.

Shareholder Returns

OMFUS Consumer FinanceUS Market

Return vs Industry: OMF underperformed the US Consumer Finance industry which returned -29.2% over the past year.

Return vs Market: OMF underperformed the US Market which returned -20.4% over the past year.

Price Volatility

Is OMF's price volatile compared to industry and market?
OMF volatility
OMF Average Weekly Movement6.7%
Consumer Finance Industry Average Movement9.0%
Market Average Movement8.1%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.2%

Stable Share Price: OMF is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: OMF's weekly volatility (7%) has been stable over the past year.

About the Company

19208,800Doug Shulman

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 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.

OneMain Holdings Fundamentals Summary

How do OneMain Holdings's earnings and revenue compare to its market cap?
OMF fundamental statistics
Market CapUS$4.74b
Earnings (TTM)US$1.20b
Revenue (TTM)US$3.27b


P/E Ratio


P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
OMF income statement (TTM)
Cost of RevenueUS$188.00m
Gross ProfitUS$3.08b
Other ExpensesUS$1.88b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date


Earnings per share (EPS)9.60
Gross Margin94.25%
Net Profit Margin36.74%
Debt/Equity Ratio568.5%

How did OMF perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio
We’ve recently updated our valuation analysis.


Is OMF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 5/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for OMF?

Other financial metrics that can be useful for relative valuation.

OMF key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-12.5x

Price to Earnings Ratio vs Peers

How does OMF's PE Ratio compare to its peers?

OMF PE Ratio vs Peers
The above table shows the PE ratio for OMF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average9.4x
NNI Nelnet
CACC Credit Acceptance
UPST Upstart Holdings
OMF OneMain Holdings

Price-To-Earnings vs Peers: OMF is good value based on its Price-To-Earnings Ratio (3.9x) compared to the peer average (9.4x).

Price to Earnings Ratio vs Industry

How does OMF's PE Ratio compare vs other companies in the US Consumer Finance Industry?

Price-To-Earnings vs Industry: OMF is good value based on its Price-To-Earnings Ratio (3.9x) compared to the US Consumer Finance industry average (5.6x)

Price to Earnings Ratio vs Fair Ratio

What is OMF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

OMF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio3.9x
Fair PE Ratio11.6x

Price-To-Earnings vs Fair Ratio: OMF is good value based on its Price-To-Earnings Ratio (3.9x) compared to the estimated Fair Price-To-Earnings Ratio (11.6x).

Share Price vs Fair Value

What is the Fair Price of OMF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: OMF ($37.83) is trading below our estimate of fair value ($108.5)

Significantly Below Fair Value: OMF is trading below fair value by more than 20%.

Price to Earnings Growth Ratio

PEG Ratio: OMF's earnings are forecast to decline next year, so we can't calculate its PEG ratio.

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Future Growth

How is OneMain Holdings forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?

Future Growth Score


Future Growth Score 2/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: OMF's earnings are forecast to decline over the next 3 years (-0.3% per year).

Earnings vs Market: OMF's earnings are forecast to decline over the next 3 years (-0.3% per year).

High Growth Earnings: OMF's earnings are forecast to decline over the next 3 years.

Revenue vs Market: OMF's revenue (9.3% per year) is forecast to grow faster than the US market (8.3% per year).

High Growth Revenue: OMF's revenue (9.3% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: OMF's Return on Equity is forecast to be high in 3 years time (32.1%)

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Past Performance

How has OneMain Holdings performed over the past 5 years?

Past Performance Score


Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: OMF has high quality earnings.

Growing Profit Margin: OMF's current net profit margins (36.7%) are higher than last year (35.9%).

Past Earnings Growth Analysis

Earnings Trend: OMF's earnings have grown significantly by 39.5% per year over the past 5 years.

Accelerating Growth: OMF's earnings growth over the past year (8.2%) is below its 5-year average (39.5% per year).

Earnings vs Industry: OMF earnings growth over the past year (8.2%) underperformed the Consumer Finance industry 17.4%.

Return on Equity

High ROE: Whilst OMF's Return on Equity (38.91%) is high, this metric is skewed due to their high level of debt.

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Financial Health

How is OneMain Holdings's financial position?

Financial Health Score


Financial Health Score 1/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: OMF's short term assets ($17.4B) exceed its short term liabilities ($57.0M).

Long Term Liabilities: OMF's short term assets ($17.4B) do not cover its long term liabilities ($18.7B).

Debt to Equity History and Analysis

Debt Level: OMF's net debt to equity ratio (547.8%) is considered high.

Reducing Debt: OMF's debt to equity ratio has increased from 440.7% to 568.5% over the past 5 years.

Debt Coverage: OMF's debt is not well covered by operating cash flow (12.8%).

Interest Coverage: Insufficient data to determine if OMF's interest payments on its debt are well covered by EBIT.

Balance Sheet

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What is OneMain Holdings's current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: OMF's dividend (28.55%) is higher than the bottom 25% of dividend payers in the US market (1.59%).

High Dividend: OMF's dividend (28.55%) is in the top 25% of dividend payers in the US market (4.25%)

Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, OMF has been paying a dividend for less than 10 years.

Growing Dividend: OMF's dividend payments have increased, but the company has only paid a dividend for 3 years.

Earnings Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (33.2%), OMF's dividend payments are well covered by earnings.

Cash Payout to Shareholders

Cash Flow Coverage: With its reasonable cash payout ratio (60.3%), OMF's dividend payments are covered by cash flows.

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How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Doug Shulman (53 yo)





Mr. Douglas H. Shulman, also known as Doug, J.D., has been the President, Chief Executive Officer and Director of OneMain Holdings, Inc. since September 8, 2018. Mr. Shulman serves as Chairman at OneMain H...

CEO Compensation Analysis

Compensation vs Market: Doug's total compensation ($USD21.72M) is above average for companies of similar size in the US market ($USD6.90M).

Compensation vs Earnings: Doug's compensation has increased by more than 20% in the past year.

Leadership Team

Experienced Management: OMF's management team is considered experienced (3.3 years average tenure).

Board Members

Experienced Board: OMF's board of directors are considered experienced (3.9 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: OMF insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

OneMain Holdings, Inc.'s employee growth, exchange listings and data sources

Key Information

  • Name: OneMain Holdings, Inc.
  • Ticker: OMF
  • Exchange: NYSE
  • Founded: 1920
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: US$4.737b
  • Shares outstanding: 125.21m
  • Website:

Number of Employees


  • OneMain Holdings, Inc.
  • 601 NW Second Street
  • Evansville
  • Indiana
  • 47708-1013
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/29 00:00
End of Day Share Price2022/06/29 00:00
Annual Earnings2021/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.