Onemain Holdings Stock Analysis

OMF Stock  USD 57.53  0.70  1.23%   
Below is the normalized historical share price chart for OneMain Holdings extending back to October 16, 2013. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of OneMain Holdings stands at 57.53, as last reported on the 20th of February, with the highest price reaching 57.53 and the lowest price hitting 56.14 during the day.
IPO Date
16th of October 2013
200 Day MA
59.0207
50 Day MA
66.0036
Beta
1.291
 
Yuan Drop
 
Covid
 
Interest Hikes
OneMain Holdings has over 22.69 Billion in debt which may indicate that it relies heavily on debt financing. At this time, OneMain Holdings' Long Term Debt To Capitalization is most likely to increase slightly in the upcoming years. The OneMain Holdings' current Total Debt To Capitalization is estimated to increase to 0.95, while Short and Long Term Debt Total is projected to decrease to roughly 17.7 B. OneMain Holdings' financial risk is the risk to OneMain Holdings stockholders that is caused by an increase in debt.

Asset vs Debt

Equity vs Debt

OneMain Holdings' liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. OneMain Holdings' cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps OneMain Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect OneMain Holdings' stakeholders.
For many companies, including OneMain Holdings, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for OneMain Holdings, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, OneMain Holdings' management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.9603
Price Sales
2.2505
Shares Float
116.5 M
Dividend Share
4.17
Wall Street Target Price
72.2857
Given that OneMain Holdings' debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which OneMain Holdings is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of OneMain Holdings to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, OneMain Holdings is said to be less leveraged. If creditors hold a majority of OneMain Holdings' assets, the Company is said to be highly leveraged.
At this time, OneMain Holdings' Common Stock Shares Outstanding is most likely to increase significantly in the upcoming years. The OneMain Holdings' current Issuance Of Capital Stock is estimated to increase to about 5.2 M, while Total Stockholder Equity is projected to decrease to roughly 2.7 B. . At this time, OneMain Holdings' Price To Operating Cash Flows Ratio is most likely to drop slightly in the upcoming years. The OneMain Holdings' current Price To Free Cash Flows Ratio is estimated to increase to 4.85, while Price Book Value Ratio is projected to decrease to 1.91.
OneMain Holdings is undervalued with Real Value of 66.27 and Target Price of 72.29. The main objective of OneMain Holdings stock analysis is to determine its intrinsic value, which is an estimate of what OneMain Holdings is worth, separate from its market price. There are two main types of OneMain Holdings' stock analysis: fundamental analysis and technical analysis.
The OneMain Holdings stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and OneMain Holdings' ongoing operational relationships across important fundamental and technical indicators.
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in OneMain Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.
For more detail on how to invest in OneMain Stock please use our How to Invest in OneMain Holdings guide.

OneMain Stock Analysis Notes

About 94.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.96. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. OneMain Holdings has Price/Earnings To Growth (PEG) ratio of 0.61. The entity recorded earning per share (EPS) of 6.56. The firm last dividend was issued on the 17th of February 2026. OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. OneMain Holdings, Inc. was founded in 1912 and is based in Evansville, Indiana. Onemain Holdings operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 8800 people. To find out more about OneMain Holdings contact Douglas Shulman at 812 424 8031 or learn more at https://www.onemainfinancial.com.

OneMain Holdings Quarterly Total Revenue

1.61 Billion

OneMain Holdings Investment Alerts

OneMain Holdings generated a negative expected return over the last 90 days
Over 94.0% of the company shares are owned by institutional investors
Latest headline from benzinga.com: Insights Ahead Blue Owl Capitals Quarterly Earnings

OneMain Largest EPS Surprises

Earnings surprises can significantly impact OneMain Holdings' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2014-08-07
2014-06-300.450.520.0715 
2024-10-30
2024-09-301.141.260.1210 
2022-10-26
2022-09-301.351.510.1611 
View All Earnings Estimates

OneMain Holdings Environmental, Social, and Governance (ESG) Scores

OneMain Holdings' ESG score is a quantitative measure that evaluates OneMain Holdings' performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of OneMain Holdings' operations that may have significant financial implications and affect OneMain Holdings' stock price as well as guide investors towards more socially responsible investments.

OneMain Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Brandes Investment Partners & Co2025-06-30
1.9 M
Northern Trust Corp2025-06-30
1.6 M
Nuveen, Llc2025-06-30
1.6 M
Norges Bank2025-06-30
1.5 M
Charles Schwab Investment Management Inc2025-06-30
1.4 M
Arrowstreet Capital Limited Partnership2025-06-30
1.3 M
Cooperman Leon G
1.1 M
First Trust Advisors L.p.2025-06-30
1.1 M
Royal Bank Of Canada2025-06-30
1.1 M
Vanguard Group Inc2025-06-30
11.7 M
Capital Research & Mgmt Co - Division 32025-06-30
10.3 M
Note, although OneMain Holdings' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

OneMain Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 6.69 B.

OneMain Profitablity

The company has Net Profit Margin of 0.26 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.34 %, which entails that for every 100 dollars of revenue, it generated $0.34 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.03  0.03 
Return On Capital Employed 0.04  0.02 
Return On Assets 0.03  0.03 
Return On Equity 0.23  0.24 

Management Efficiency

OneMain Holdings has Return on Asset of 0.0294 % which means that on every $100 spent on assets, it made $0.0294 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.2376 %, implying that it generated $0.2376 on every 100 dollars invested. OneMain Holdings' management efficiency ratios could be used to measure how well OneMain Holdings manages its routine affairs as well as how well it operates its assets and liabilities. At this time, OneMain Holdings' Return On Equity is most likely to increase slightly in the upcoming years. At this time, OneMain Holdings' Non Current Assets Total are most likely to increase significantly in the upcoming years. The OneMain Holdings' current Total Current Assets is estimated to increase to about 2.9 B, while Intangible Assets are projected to decrease to roughly 279.3 M.
Last ReportedProjected for Next Year
Book Value Per Share 28.62  16.82 
Tangible Book Value Per Share 13.84  9.57 
Enterprise Value Over EBITDA 23.14  24.30 
Price Book Value Ratio 2.36  1.91 
Enterprise Value Multiple 23.14  24.30 
Price Fair Value 2.36  1.91 
OneMain Holdings has shown resilience through effective management strategies. Our analysis examines how these strategies influence financial outcomes and investor returns which helps in understanding the stock's long-term potential.
Dividend Yield
0.0739
Operating Margin
0.3365
Profit Margin
0.2634
Forward Dividend Yield
0.0739
Beta
1.291

Technical Drivers

As of the 20th of February, OneMain Holdings holds the Coefficient Of Variation of (15,450), risk adjusted performance of 8.0E-4, and Variance of 3.23. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of OneMain Holdings, as well as the relationship between them. Please check OneMain Holdings coefficient of variation, treynor ratio, as well as the relationship between the Treynor Ratio and skewness to decide if OneMain Holdings is priced some-what accurately, providing market reflects its current price of 57.53 per share. Given that OneMain Holdings has information ratio of (0.04), we recommend you to check out OneMain Holdings's recent market performance to make sure the company can sustain itself at a future point.

OneMain Holdings Price Movement Analysis

The output start index for this execution was nine with a total number of output elements of fifty-two. The Simple Moving Average indicator is calculated by adding the closing price of OneMain Holdings for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out OneMain Holdings short-term fluctuations and highlight longer-term trends or cycles.

OneMain Holdings Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific OneMain Holdings insiders, such as employees or executives, is commonly permitted as long as it does not rely on OneMain Holdings' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases OneMain Holdings insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

OneMain Holdings Outstanding Bonds

OneMain Holdings issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. OneMain Holdings uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most OneMain bonds can be classified according to their maturity, which is the date when OneMain Holdings has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

OneMain Holdings Predictive Daily Indicators

OneMain Holdings intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of OneMain Holdings stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

OneMain Holdings Corporate Filings

F4
13th of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10K
6th of February 2026
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
8K
5th of February 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
16th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
2nd of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
18th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
5th of December 2025
Other Reports
ViewVerify
4th of December 2025
Other Reports
ViewVerify

OneMain Holdings Forecast Models

OneMain Holdings' time-series forecasting models are one of many OneMain Holdings' stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary OneMain Holdings' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

OneMain Holdings Bond Ratings

OneMain Holdings financial ratings play a critical role in determining how much OneMain Holdings have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for OneMain Holdings' borrowing costs.
Piotroski F Score
5
HealthyView
Beneish M Score
(2.96)
Unlikely ManipulatorView

OneMain Holdings Debt to Cash Allocation

Many companies such as OneMain Holdings, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
OneMain Holdings has 22.69 B in debt with debt to equity (D/E) ratio of 6.04, demonstrating that the company may be unable to create cash to meet all of its financial commitments. OneMain Holdings has a current ratio of 298.92, demonstrating that it is liquid and is capable to disburse its financial commitments when the payables are due. That said, strategic use of leverage may enable OneMain to fund expansion initiatives and generate superior returns.

OneMain Holdings Total Assets Over Time

OneMain Holdings Assets Financed by Debt

The debt-to-assets ratio shows the degree to which OneMain Holdings uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

OneMain Holdings Debt Ratio

    
  63.0   
It seems as roughly 37% of OneMain Holdings' assets are financed be debt. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the OneMain Holdings' operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of OneMain Holdings, which in turn will lower the firm's financial flexibility.

OneMain Holdings Corporate Bonds Issued

Most OneMain bonds can be classified according to their maturity, which is the date when OneMain Holdings has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

OneMain Long Term Debt

Long Term Debt

15.73 Billion

At this time, OneMain Holdings' Long Term Debt is most likely to increase significantly in the upcoming years.

About OneMain Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how OneMain Holdings prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling OneMain shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as OneMain Holdings. By using and applying OneMain Stock analysis, traders can create a robust methodology for identifying OneMain entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.16  0.17 
Operating Profit Margin 0.16  0.17 
Net Profit Margin 0.13  0.13 
Gross Profit Margin 0.48  0.33 

Current OneMain Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. OneMain analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. OneMain analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
72.29Strong Buy16Odds
OneMain Holdings current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most OneMain analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand OneMain stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of OneMain Holdings, talking to its executives and customers, or listening to OneMain conference calls.
OneMain Analyst Advice Details

OneMain Stock Analysis Indicators

OneMain Holdings stock analysis indicators help investors evaluate how OneMain Holdings stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading OneMain Holdings shares will generate the highest return on investment. By understating and applying OneMain Holdings stock analysis, traders can identify OneMain Holdings position entry and exit signals to maximize returns.
Begin Period Cash Flow1.1 B
Long Term Debt22.7 B
Common Stock Shares Outstanding119.3 M
Total Stockholder Equity3.4 B
Total Cashflows From Investing Activities-3.2 B
Tax Provision218 M
Quarterly Earnings Growth Y O Y0.637
Cash And Short Term Investments1.3 B
Cash914 M
Net Debt21.8 B
50 Day M A66.0036
Other Operating Expenses5.2 B
Non Current Assets Total25.4 B
Forward Price Earnings7.8802
Non Currrent Assets Other461 M
Stock Based Compensation36 M

Complementary Tools for OneMain Stock analysis

When running OneMain Holdings' price analysis, check to measure OneMain Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy OneMain Holdings is operating at the current time. Most of OneMain Holdings' value examination focuses on studying past and present price action to predict the probability of OneMain Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move OneMain Holdings' price. Additionally, you may evaluate how the addition of OneMain Holdings to your portfolios can decrease your overall portfolio volatility.
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