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OneMain Holdings, Inc. OMF R3KFINANCIAL

Financial Services · Credit Services · United States
https://www.onemainfinancial.com
Company Profile ↓
$63.31
+17.32% 1Y
Mkt Cap$7.28B
P/E9.55
P/B2.07
Div. Yield6.89%
52W High$67.63
52W Low$47.56
Book Value$29.40
EPS (TTM)$6.63

Company Overview

OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was incorporated in 2013 and is based in Evansville, Indiana.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 23.3%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at a P/E of 9.6, below the sector median of 12.9.

Healthy Margins

Maintains a net profit margin of 25.9%.

Dividend Income

Offers a dividend yield of 6.89%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $4.97B (+9.5% YoY); net profit $783.00M.
  • Trailing 12 Months Year-on-year growth — revenue -2.7%, earnings -5.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.8%, profit CAGR -1.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:5.78%
1 Year:-2.70%

Compounded Profit Growth

5 Years:-1.74%
1 Year:-5.90%

Stock Price Performance

1 Year:+17.32%
6 Months:+21.55%
3 Months:+19.03%
1 Month:-0.92%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 78% of range
$47.56 $67.63
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)51.78 · Neutral
Price Performance
1M-0.92%
3M+19.03%
6M+21.55%
1Y+17.32%
Valuation vs Sector

P/E of 9.55 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 23.3%.
  • Excellent profit margin of 25.9%.
  • Attractive dividend yield of 6.89%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -1.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.55
Industry PE
12.89
Forward P/E
7.37
PEG Ratio
0.75
Book Value
$29.40
Price to Book
2.07
P/S
2.32
EV/EBITDA
-
Dividend Yield
6.89%

Growth (CAGR)

Revenue 5Y
5.78%
Profit 5Y
-1.74%
Revenue (YoY)
-2.70%
Earnings (YoY)
-5.90%

Profitability & Returns

ROCE
-
ROE
23.28%
ROA
2.89%
Profit Margin
25.86%
Op Margin
28.59%
Gross Margin
93.68%
EPS (Latest Qtr)
$1.32
EPS (TTM)
$6.63

Balance Sheet & Liquidity

Debt/Equity
6.73
Quick Ratio
-
Current Ratio
-
Debt
$22.77B
Total Assets
$27.42B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.22%
Chg in Prom Hold
-0.01%
FII / Inst Holding
96.04%
Chg in FII Hold
0.06%

Financial Snapshot

Enterprise Value
$7.28B
Total Revenue (TTM)
$3.02B
EBITDA
-
Free Cash Flow
$3.13B
Operating Cash Flow
$3.23B
Shares Outstanding
115.04M
Gross Margin
93.68%
Payout Ratio
63.20%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 OMF OneMain Holdings, Inc. R3KFINANCIAL 63.31 9.55 $7.28B 6.89% - 23.28% 5.78% -1.74%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue -----------------------------------1.22B1.27B1.29B1.26B1.30B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------317.00M320.00M323.00M322.00M326.00M
Pretax Income -----------------------------------214.00M263.00M249.00M296.00M196.00M
Tax Provision -----------------------------------47.00M64.00M45.00M70.00M44.00M
Net Income -13.00M-197.00M137.00M26.00M25.00M27.00M--69.00M-124.00M7.00M148.00M-152.00M194.00M248.00M-32.00M89.00M250.00M-413.00M350.00M288.00M303.00M208.00M185.00M179.00M103.00M194.00M155.00M71.00M157.00M213.00M167.00M199.00M204.00M226.00M152.00M
Diluted EPS -0.10-1.461.010.190.190.200.250.300.510.290.910.051.091.241.111.421.821.910.240.661.862.673.062.602.172.381.671.491.480.851.611.290.591.311.781.401.671.721.931.32

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -----------4.20B4.28B4.54B4.97B
Cost of Revenue ---------------
Gross Profit ---------------
Operating Expenses ---------------
Operating Income ---------------
EBITDA ---------------
Interest Expense -----------892.00M1.02B1.19B1.27B
Pretax Income -----------1.16B840.00M667.00M1.00B
Tax Provision -----------283.00M199.00M158.00M218.00M
Net Income -241.73M-217.70M-19.00M463.00M-220.00M215.00M183.00M447.00M855.00M730.00M-872.00M641.00M509.00M783.00M
Diluted EPS --2.18-0.194.02-1.721.591.353.296.275.41-7.065.324.246.56

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -15.51B14.67B15.18B10.93B21.19B18.12B19.43B20.09B22.82B22.47B22.09B22.54B24.29B25.91B27.39B
Current Assets ----------------
Cash & Equivalents 1.40B689.59M1.55B431.00M879.00M939.00M579.00M987.00M679.00M1.23B2.27B541.00M498.00M1.01B458.00M738.00M
Inventory ----------------
Receivables ----------------
Total Liabilities --13.49B13.52B8.97B18.46B15.06B16.16B16.29B18.49B19.03B18.99B19.52B21.11B22.72B23.99B
Current Liabilities ----------------
Long Term Debt --12.62B12.77B8.36B17.30B13.96B15.05B15.18B17.21B17.80B17.75B18.28B19.81B21.44B22.69B
Total Debt ------------18.28B19.81B21.44B22.69B
Total Equity 1.61B1.34B1.18B1.54B2.02B2.81B3.07B3.28B3.80B4.33B3.44B3.04B3.02B3.19B3.19B3.40B
Shares Outstanding ------------134.86M135.14M135.42M135.71M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 381.00M741.00M1.32B1.55B2.05B2.36B2.21B2.25B2.39B2.52B2.70B3.13B
Investing Cash Flow 1.84B-2.19B-106.00M-2.19B-2.40B-3.43B-751.00M-2.14B-2.12B-2.86B-3.27B-3.16B
Financing Cash Flow -1.77B1.96B-1.69B975.00M44.00M1.52B-370.00M-1.81B-326.00M932.00M161.00M500.00M
Capital Expenditure ------------
Free Cash Flow --------2.39B2.52B2.70B3.13B
Net Change in Cash ---------58.00M589.00M-406.00M471.00M
Share Buybacks ----0045.00M368.00M303.00M65.00M35.00M141.00M
Dividends Paid ---00408.00M806.00M1.27B480.00M487.00M498.00M499.00M

Ratios (Annual)

Figures in %.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------------
Operating Margin % ---------------
Net Margin % -----------20.8%15.0%11.2%15.8%
ROE % -18.0%-18.4%-1.2%22.9%-7.8%7.0%5.6%11.8%19.7%21.2%-28.9%20.1%16.0%23.0%
ROCE % ---------------

Shareholding Pattern

Insiders
0.22%
Institutions
96.04%
Public Float
96.26%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.04% 10.40M $632.23M
2 Brave Warrior Advisors, LLC 6.59% 7.59M $461.25M
3 AQR Capital Management, LLC 5.47% 6.30M $382.91M
4 Capital International Investors 4.97% 5.71M $347.49M
5 Vanguard Portfolio Management LLC 4.69% 5.40M $328.34M
6 Vanguard Capital Management LLC 4.62% 5.32M $323.46M
7 Dimensional Fund Advisors LP 3.88% 4.47M $271.66M
8 Goldman Sachs Group Inc 3.64% 4.19M $254.50M
9 FMR, LLC 3.22% 3.70M $225.23M
10 Fiduciary Management, Inc. 2.68% 3.08M $187.34M

Analyst View

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Latest News

Recent headlines for OMF

Google News ue, 08 Sep 2026

OneMain Holdings to Present at Barclays Global Financial Services Conference - Stock Titan

<a href="https://news.google.com/rss/articles/CBMivAFBVV95cUxQbFpZZUVwdVN5dC1YTnVqb2p0Zkl0Y0p5anRCbWZWaDltMERxTk5IWmtaMXd5TDdMX2xUMnFlTy1iY2tnQ1FYVXBvS255bjkyS29zcVE3X0U4RUh3M0JBeURHT19NTGhpdHQxR1hmSHpEVDZLVUpnSm45QUtzeWpwSWE1R25JRFEzX1Bxc0…

Google News ue, 08 Sep 2026

OneMain Holdings, Inc. $OMF Shares Bought by Allianz Asset Management GmbH - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMizAFBVV95cUxNMzRyYjdFZUJrM2tvLTFVTnNLMTA5NzEyM1lqa1hqdWdQNE13UzlxS1dzbEZJNDY0UFJ0MlBMX1h2UGpyTVNTZGVxX0ROUlVfZTBtMmR1SW15Y1ZJckI0czJhdVdib3pXdUxpZXdZRWFPY3hnNmQ1WTdqZUdrb2pDU3djQWpNNGtWb01KSD…

Google News hu, 03 Sep 2026

3 Reasons to Avoid OMF and 1 Stock to Buy Instead - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMijwFBVV95cUxNZXNQZmVIczBDV0g5VDVzTVpvb2plVEpwWDJ4SmVzbVhSUThUYjBpSXlqOFRCSDd0bnFKZWl4NWMwZ2pEZ3dkdjVIejhEbzd4NlJyal9WcFRPTDdjUFZfdmdYbEV2UWpIU3V1SHFuYWJpdjBhWTFLYTQtczVzNmdXZWJTb1JXRjFkdGRmNG…

Google News Mon, 07 Sep 2026

Enterprise value to revenue forward of OneMain Holdings, Inc. – NYSE:OMF - tradingview.com

<a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxQd05SQ3Z6SWJEOTAycFVzeUkxckZVUThnLXZ5c241a0ZUOFJTb2VGV2drdHBGX3hIYkpZTU9xTGprYUEwR0tBWE1fVm16RGYzMjFtaFctTk5rRU1PQ1RGWGY5RVd3OGdPbndzUnZlcF9IVGZJbFI0bnNudHkxVWM4cE5kVXZBZ0hqcVR2Wk…

Google News Wed, 02 Sep 2026

OneMain Holdings Inc (OMF) Stock Up 3.3% but GF Value Says Overv - gurufocus.com

<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxPZGwyRllRMF91bllTMDEwVWxjanBld2YtbHNiTU0yZjA0N2IwbEE5MFMxVXQyV1RPdjlnQlBIU1VyUi1wWXY2RDdFV3REd3FHMEVQQXVXU3kyVWxEY2J3Z1YxNXA5anY4N3otR0UxUTNPSWx1ejJUSW9JMDd5ZnJLYjlmb0F4WTZab3lNaG…

Google News ue, 25 Aug 2026

OneMain (OMF) Stock Looks Fairly Valued On Returns But Cheap On Earnings - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi3wFBVV95cUxOd0dtczdnSVo5VGtZMnZPV2s1UjlxbVIxUzFPRmJFYldnMDlFdnczdk01eTFXVU8wUldVRjJKb0RSelZZNThGX0dxUGFfbEZ3QThDRDJjWWFYN0VOODFrWFE3dzNicVlOTW5wX2g4SDR5UlRsWWJ5Mi1rbmtTamlNTEZGVnhpNlJIWk80Tk…

OMF — Frequently Asked Questions

What is the current share price of OneMain Holdings, Inc. (OMF)?

As of 2026-09-19 21:16 PDT, OneMain Holdings, Inc. (OMF) trades at $63.31 on NYSE. Its 52-week range is $47.56 to $67.63.

What is the market capitalisation of OMF?

OneMain Holdings, Inc. (OMF) has a market capitalisation of $7.28B on NYSE.

What is the P/E ratio of OMF?

OMF trades at a trailing price-to-earnings (P/E) ratio of 9.55. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.07.

Does OMF pay a dividend?

OneMain Holdings, Inc. (OMF) currently offers a dividend yield of 6.89%.

What is the return on equity (ROE) of OMF?

OMF has a return on equity (ROE) of 23.28%.

Is OMF a good stock to buy?

This page provides a data-driven analysis of OneMain Holdings, Inc. (OMF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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