OneMain Holdings, Inc. (OMF) AI Stock Analysis

OneMain Holdings, Inc. is a financial service holding company focused on consumer finance and insurance. It specializes in personal lending, including loans secured by automobiles or other titled collateral as well as unsecured personal loans. The company also offers credit cards and insurance products such as life, disability, involuntary unemployment, optional non-credit insurance, and guaranteed asset protection coverage. Founded in 1912 and headquartered in Evansville, Indiana, the firm operates across 44 states through approximately 1,400 branch offices and an online platform.

Over a five-year period from FY2020 to FY2025, OneMain Holdings grew revenue at a compound annual growth rate of 4.8%. In FY2025, annual revenue grew 9.1% to $6.24B, up from $5.72B in FY2024, while net income rose to $783.0M with a net margin of 12.5% and diluted EPS of $6.66. Operating margin stood at 16.0% in FY2025. In the latest trailing twelve months, revenue was $3.02B with an operating margin of 28.6% and a profit margin of 25.9%. For the quarter ended June 30, 2026, quarterly revenue fell 2.7% year-over-year and quarterly earnings declined 5.9%.

As of June 30, 2026, OneMain Holdings carried $2.22B in cash and short-term investments against $22.77B in total debt, leaving net debt at $20.55B. Shareholders' equity was $3.38B, resulting in a debt-to-equity ratio of 6.73, while total assets were $27.42B and the current ratio was 2216.00. In FY2025, operating cash flow and free cash flow were both $3.13B. The company deployed cash by paying $499.0M in dividends and spending $154.0M on share buybacks, contributing to a 10.9% decline in share count over five years.

OneMain Holdings trades at a trailing price-to-earnings ratio of 8.4x and a forward P/E of 6.7x, both below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio of 2.1x is also lower than the peer group median of 3.2x, while its enterprise value stands at $28.64B and EV-to-revenue is 5.7x. Over the past year, the stock returned 12.8%, trailing the S&P 500 (SPY) return of 16.8%. Over five years, its return of 43.4% compares to 83.0% for the benchmark index.

OneMain Holdings pays a forward annual dividend of $4.20 per share, representing a 7.51% dividend yield based on its last close of $55.95. The company has paid quarterly dividends for 8 consecutive years, and its payout ratio is 62.2%. Its annualized five-year dividend growth rate is -6.8%, and the most recent ex-dividend date was August 10, 2026.

Wall Street analysts coverage includes 8 Strong Buy, 2 Buy, 4 Hold, and 1 Sell ratings. The mean price target is $67.43, representing a 20.5% premium to the last closing price of $55.95. For the current fiscal year ending December 31, 2026, consensus estimates project EPS of $6.73 on revenue of $5.28B. For the next fiscal year, 15 analysts project EPS to grow 26.0% to $8.48 on revenue of $5.70B. OneMain Holdings beat EPS estimates in 3 of the last 4 quarters, with its next earnings date scheduled for October 30, 2026.

This page is an AI-written research summary of OneMain Holdings, Inc. (OMF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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