OneMain Holdings, Inc.

NYSE:OMF Stock Report

Market Cap: US$6.4b

OneMain Holdings Valuation

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

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 ($51.42) is trading below our estimate of fair value ($96.41)

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

Key Valuation Metric

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

Key metric: As OMF is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for OMF. This is calculated by dividing OMF's market cap by their current earnings.
What is OMF's PE Ratio?
PE Ratio11.2x
EarningsUS$548.00m
Market CapUS$6.42b

Price to Earnings Ratio vs Peers

How does OMF's PE Ratio compare to its 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.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15x
SLM SLM
8.8x0.7%US$5.9b
QFIN Qifu Technology
7.8x9.6%US$6.2b
CACC Credit Acceptance
30x49.0%US$5.9b
ALLY Ally Financial
13.6x27.7%US$11.1b
OMF OneMain Holdings
11.2x31.2%US$6.4b

Price-To-Earnings vs Peers: OMF is good value based on its Price-To-Earnings Ratio (11.2x) compared to the peer average (15x).

Price to Earnings Ratio vs Industry

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

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
YRD Yiren Digital
1.6xn/aUS$412.94m
No more companies available in this PE range
OMF 11.2xIndustry Avg. 11.2xNo. of Companies4PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: OMF is good value based on its Price-To-Earnings Ratio (11.2x) compared to the US Consumer Finance industry average (11.7x).

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 Ratio11.2x
Fair PE Ratio23.1x

Price-To-Earnings vs Fair Ratio: OMF is good value based on its Price-To-Earnings Ratio (11.2x) compared to the estimated Fair Price-To-Earnings Ratio (23.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst OMF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$51.42
US$59.00
+14.7%
8.4%US$64.00US$46.00n/a13
Dec ’25US$57.35
US$58.31
+1.7%
8.6%US$64.00US$46.00n/a13
Nov ’25US$49.78
US$58.00
+16.5%
9.1%US$64.00US$46.00n/a12
Oct ’25US$45.71
US$57.08
+24.9%
5.9%US$61.00US$52.00n/a12
Sep ’25US$49.41
US$57.50
+16.4%
5.2%US$61.00US$52.00n/a12
Aug ’25US$48.56
US$57.58
+18.6%
5.3%US$61.00US$52.00n/a12
Jul ’25US$48.27
US$56.85
+17.8%
6.9%US$64.00US$50.00n/a13
Jun ’25US$49.12
US$57.15
+16.4%
7.3%US$64.00US$50.00n/a13
May ’25US$50.76
US$57.31
+12.9%
7.4%US$64.00US$50.00n/a13
Apr ’25US$50.23
US$54.00
+7.5%
8.6%US$62.00US$47.00n/a13
Mar ’25US$48.71
US$52.43
+7.6%
8.3%US$62.00US$47.00n/a14
Feb ’25US$47.87
US$54.33
+13.5%
9.2%US$68.00US$48.00n/a15
Jan ’25US$49.20
US$48.29
-1.9%
10.5%US$55.00US$38.00n/a14
Dec ’24US$43.33
US$47.00
+8.5%
11.7%US$55.00US$38.00US$57.3514
Nov ’24US$36.35
US$47.29
+30.1%
12.3%US$55.00US$38.00US$49.7814
Oct ’24US$40.09
US$52.62
+31.2%
8.4%US$60.00US$46.00US$45.7113
Sep ’24US$42.30
US$52.62
+24.4%
8.4%US$60.00US$46.00US$49.4113
Aug ’24US$45.51
US$52.62
+15.6%
8.4%US$60.00US$46.00US$48.5613
Jul ’24US$43.69
US$51.23
+17.3%
11.7%US$62.00US$41.00US$48.2713
Jun ’24US$39.07
US$51.54
+31.9%
11.6%US$62.00US$41.00US$49.1213
May ’24US$38.91
US$51.36
+32.0%
11.6%US$62.00US$41.00US$50.7614
Apr ’24US$37.08
US$51.93
+40.0%
10.1%US$62.00US$43.00US$50.2314
Mar ’24US$43.30
US$51.93
+19.9%
10.1%US$62.00US$43.00US$48.7114
Feb ’24US$43.41
US$45.71
+5.3%
14.5%US$60.00US$36.00US$47.8714
Jan ’24US$33.31
US$47.29
+42.0%
15.1%US$60.00US$36.00US$49.2014
Dec ’23US$39.44
US$47.50
+20.4%
14.4%US$60.00US$36.00US$43.3314

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 05:05
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

OneMain Holdings, Inc. is covered by 30 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mark DeVriesBarclays
Terry MaBarclays
Mark DeVriesBarclays