OMF$60.44
Chart
Performance
Key Stats
AI OMF Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuyOneMain Holdings demonstrates solid fundamental performance with a notable dividend yield, but faces mixed signals from technical analysis and limited thematic alignment. Focus on income and value investors may find this stock appealing.
Thematic
OneMain Holdings operates within the financial services sector, which is not directly aligned with major high-growth tech themes like AI or disruptive innovation. Its business model is more traditional, focusing on consumer lending.
Fundamental
OneMain Holdings exhibits stable financial health, consistent dividend payouts, and reasonable valuation metrics, although recent revenue and net income trends show some contraction.
Technical
The stock shows mixed technical signals. While it's trading above key moving averages, recent momentum indicators suggest potential weakness or consolidation.
| Factor | Score |
|---|---|
| Financial Sector Trends | 50 |
| Digital Transformation in Finance | 40 |
| Consumer Lending Demand | 55 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 70 |
| Growth | 40 |
| Balance Sheet Health | 75 |
| Cash Flow | 85 |
| Dividend Yield | 95 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 65 |
| Volume Confirmation | 60 |
| Support & Resistance | 55 |
| Short-term Oscillators | 50 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beat
The company has consistently surpassed earnings per share (EPS) estimates in the last several quarters, with a recent Q2 2025 beat of 9.74% (reported $1.72 vs. estimate $1.57).
Attractive P/E Ratio
The trailing twelve months (TTM) Price-to-Earnings (P/E) ratio is 12.39, which is notably lower than the industry average, suggesting potential undervaluation.
Bearish Points (7)
Elevated Quarterly P/E and P/S
Recent quarterly P/E ratios have been high, with Q1 2025 at 26.7 and Q4 2024 at 47.3, and P/S ratios also elevated (Q1 2025 at 4.8), potentially indicating overvaluation on a quarterly basis.
Declining Net Margin
The net margin has decreased significantly from 32.6% in Q4 2021 to 10.6% in Q4 2024, indicating pressure on profitability.
Calendar
May 2025
9
Ex-Dividend Date
May 2025
16
Next Dividend Date
July 2025
25
Next Earnings Date
H: $1.51
A: $1.22
L: $0.87
H: 1.20B
A: 1.19B
L: 1.18B
Profile
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured. 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 founded in 1912 and is based in Evansville, Indiana.
Seasonals
Price Target
59.64 USD
The 39 analysts offering 1 year price forecasts for OMF have a max estimate of 74.00 and a min estimate of 48.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct competitor specializing in subprime installment lending to consumers, similar to OMF's core business.
Weight: 90
Direct competitor focusing on small-dollar, short-term, and medium-term installment loans, often serving non-prime customers.
Weight: 88
Direct competitor offering a range of installment and short-term credit products primarily to non-prime consumers.
Weight: 85
Provides pawn loans and other consumer credit products, often serving a similar underbanked and non-prime demographic.