OneMain Holdings, Inc. (OMF) Key Metrics
OMF valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $6.44B
- Enterprise value
- $28.64B
- P/E (TTM)
- 8.4 10-yr median 9.1
- Forward P/E
- 6.7
- PEG ratio
- 0.75
- Price / sales
- 2.1 10-yr median 1.1
- Price / book
- 1.9 10-yr median 1.4
- EV / EBITDA
- — 10-yr median 19.1
- Dividend yield
- 7.51% $4.20 a year
- Beta
- 1.21
OMF key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsOMF valuation Price multiples at each fiscal year-end price.
OMF returns How much profit the business earns on the capital it uses.
OMF per-share figures Results divided by the shares outstanding at year-end.
OMF financial health Debt, liquidity and how easily interest is covered.
OMF efficiency & capital use Working capital cycle and where the cash goes.
OMF valuation history
OMF returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
OMF debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
OMF cash returned to shareholders
OMF price vs earnings per share
OMF key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $8.06B | $6.26B | $5.93B | $4.14B | $6.66B | $6.50B | $5.75B | $3.30B | $3.53B | $2.99B |
| Enterprise value | $29.42B | $25.70B | $23.09B | $21.93B | $23.39B | $22.57B | $22.21B | $17.80B | $17.59B | $16.37B |
| P/E ratio | 10.3 | 12.3 | 9.3 | 4.8 | 5.1 | 8.9 | 6.7 | 7.4 | 19.3 | 13.9 |
| Price / sales | 1.3 | 1.1 | 1.1 | 0.8 | 1.3 | 1.3 | 1.2 | 0.8 | 0.9 | 0.8 |
| Price / book | 2.4 | 2.0 | 1.9 | 1.4 | 1.5 | 1.4 | 1.0 | 0.9 | 1.1 | 1.0 |
| Price / free cash flow | 2.6 | 2.3 | 2.4 | 1.7 | 3.0 | 2.9 | 2.4 | 1.6 | 2.3 | 2.2 |
| Price / operating cash flow | 2.6 | 2.3 | 2.4 | 1.7 | 3.0 | 2.9 | 2.4 | 1.6 | 2.3 | 2.3 |
| EV / sales | 4.7 | 4.5 | 4.4 | 4.3 | 4.7 | 4.6 | 4.7 | 4.2 | 4.6 | 4.4 |
| EV / EBITDA | 22.8 | 27.2 | 21.0 | 15.5 | 11.7 | 18.2 | 16.2 | 19.5 | 23.2 | 18.7 |
| EV / free cash flow | 9.4 | 9.5 | 9.2 | 9.2 | 10.4 | 10.2 | 9.4 | 8.7 | 11.3 | 12.3 |
| Earnings yield | 9.7% | 8.1% | 10.8% | 21.0% | 19.7% | 11.2% | 14.9% | 13.5% | 5.2% | 7.2% |
| Free cash flow yield | 38.8% | 43.1% | 42.4% | 57.6% | 33.7% | 34.0% | 41.1% | 61.9% | 44.2% | 44.6% |
| Dividend yield | 6.2% | 8.0% | 8.2% | 11.6% | 19.1% | 12.4% | 7.1% | 8.1% | 3.9% | 0.6% |
| Shareholder yield (dividends + buybacks) | 8.1% | 8.5% | 9.3% | 18.9% | 24.7% | 13.1% | 7.2% | 8.4% | 4.0% | 0.8% |
| Share price at fiscal year-end | $67.55 | $52.13 | $49.20 | $33.31 | $50.04 | $48.16 | $42.15 | $24.29 | $25.99 | $22.14 |
| Per share | ||||||||||
| Revenue per share | $52.32 | $47.64 | $43.93 | $40.92 | $37.38 | $36.56 | $34.34 | $31.18 | $27.90 | $27.59 |
| Earnings per share | $6.56 | $4.24 | $5.31 | $7.01 | $9.88 | $5.41 | $6.27 | $3.29 | $1.35 | $1.59 |
| Operating cash flow per share | $26.24 | $22.47 | $20.88 | $19.19 | $16.89 | $16.39 | $17.33 | $15.04 | $11.46 | $9.81 |
| Free cash flow per share | $26.24 | $22.47 | $20.88 | $19.19 | $16.89 | $16.39 | $17.33 | $15.04 | $11.49 | $9.87 |
| Cash per share | $11.19 | $16.63 | $22.06 | $4.00 | $7.64 | $17.97 | $13.29 | $4.99 | $7.27 | $4.28 |
| Book value per share | $28.51 | $26.57 | $26.41 | $24.35 | $32.53 | $34.29 | $40.87 | $27.93 | $24.16 | $22.69 |
| Tangible book value per share | $13.79 | $11.92 | $12.34 | $10.70 | $19.67 | $21.48 | $27.92 | $14.62 | $10.44 | $8.52 |
| Dividends per share | $4.18 | $4.15 | $4.04 | $3.86 | $9.58 | $5.97 | $2.99 | $1.97 | $1.00 | $0.13 |
| Capex per share | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.03 | $0.06 |
| Debt per share | $190.23 | $178.50 | $164.25 | $146.93 | $133.40 | $137.07 | $134.05 | $111.58 | $110.92 | $103.30 |
| Shares outstanding | 119.3M | 120.1M | 120.6M | 124.4M | 133.1M | 134.9M | 136.3M | 136.0M | 135.7M | 135.1M |
| Change in shares outstanding | −0.7% | −0.4% | −3.0% | −6.5% | −1.4% | −1.0% | +0.2% | +0.3% | +0.4% | +5.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 23.8% | 16.0% | 20.6% | 23.7% | 29.4% | 14.3% | 18.2% | 12.6% | 5.8% | 7.4% |
| Return on invested capital (ROIC) | 3.3% | 2.4% | 3.1% | 4.2% | 6.3% | 3.4% | 4.2% | 2.5% | 1.3% | 1.4% |
| Return on assets (ROA) | 2.9% | 2.0% | 2.7% | 3.9% | 5.9% | 3.2% | 4.0% | 2.3% | 1.0% | 1.1% |
| Return on tangible assets | 3.1% | 2.1% | 2.8% | 4.2% | 6.5% | 3.5% | 4.1% | 2.4% | 1.0% | 1.3% |
| Free cash flow margin | 50.1% | 47.2% | 47.5% | 46.9% | 45.2% | 44.8% | 50.4% | 48.2% | 41.2% | 35.8% |
| Income quality (OCF / net income) | 4.00 | 5.30 | 3.93 | 2.74 | 1.71 | 3.03 | 2.76 | 4.58 | 8.50 | 6.17 |
| Financial health | ||||||||||
| Total debt | $22.69B | $21.44B | $19.81B | $18.28B | $17.75B | $18.49B | $18.27B | $15.18B | $15.05B | $13.96B |
| Cash & short-term investments | $1.33B | $2.00B | $2.66B | $498.0M | $1.02B | $2.42B | $1.81B | $679.0M | $987.0M | $579.0M |
| Net debt | $21.36B | $19.44B | $17.15B | $17.78B | $16.73B | $16.07B | $16.46B | $14.50B | $14.06B | $13.38B |
| Debt / equity | 6.67 | 6.72 | 6.22 | 6.04 | 4.10 | 4.00 | 3.28 | 4.00 | 4.59 | 4.55 |
| Debt / assets | 0.83 | 0.83 | 0.82 | 0.81 | 0.80 | 0.82 | 0.80 | 0.76 | 0.77 | 0.77 |
| Net debt / EBITDA | 16.58 | 20.59 | 15.64 | 12.55 | 8.35 | 12.95 | 12.02 | 15.88 | 18.53 | 15.26 |
| Current ratio | — | — | 0.08 | 0.03 | 0.03 | 3.92 | 1.98 | 3.80 | 2.43 | 2.13 |
| Quick ratio | — | — | 0.04 | −0.01 | −0.00 | −21.77 | −15.35 | 3.80 | 2.31 | 1.99 |
| Interest coverage | 0.8 | 0.6 | 0.8 | 1.3 | 1.9 | 1.0 | 1.1 | 0.7 | 0.5 | 0.4 |
| Working capital | — | — | −$37.73B | −$36.79B | −$35.72B | $2.03B | $1.04B | $1.75B | $1.58B | $1.25B |
| Invested capital | $24.76B | $22.63B | $20.34B | $20.81B | $21.06B | $20.70B | $22.03B | $18.30B | $17.34B | $16.45B |
| Tangible asset value | $1.65B | $1.43B | $1.49B | $1.33B | $2.62B | $2.90B | $3.81B | $1.99B | $1.42B | $1.15B |
| Net current asset value | −$21.95B | −$20.04B | −$17.91B | −$18.49B | −$16.73B | −$15.12B | −$15.14B | −$13.92B | −$13.47B | −$12.71B |
| Graham number | $64.88 | $50.34 | $56.19 | $61.96 | $85.02 | $64.61 | $75.94 | $45.44 | $27.08 | $28.50 |
| Graham net-net per share | −$56.74 | −$47.04 | −$33.90 | −$44.73 | −$29.69 | −$46.57 | −$44.14 | −$113.37 | −$111.22 | −$106.26 |
| Capital allocation | ||||||||||
| Dividends paid | $499.0M | $498.0M | $487.0M | $480.0M | $1.27B | $806.0M | $408.0M | $268.0M | $136.0M | $18.0M |
| Share buybacks (net) | $154.0M | $35.0M | $65.0M | $303.0M | $368.0M | $45.0M | $5.0M | $10.0M | $5.0M | $7.0M |
| Dividend payout ratio | 63.7% | 97.8% | 76.0% | 55.0% | 97.0% | 110.4% | 47.7% | 60.0% | 74.3% | 8.4% |
| Dividends + buybacks / free cash flow | 20.9% | 19.7% | 21.9% | 32.8% | 73.1% | 38.5% | 17.5% | 13.6% | 9.0% | 1.9% |
| Capex / revenue | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% | 0.2% |
| Capex / operating cash flow | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.3% | 0.6% |
| Capex / depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 |
| Stock-based compensation / revenue | 0.6% | 0.5% | 0.7% | 0.6% | 0.5% | 0.3% | 0.3% | 3.1% | 0.4% | 0.6% |
| R&D / revenue | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| SG&A / revenue | 18.0% | 18.7% | 21.8% | 19.5% | 20.4% | 20.2% | 21.2% | 26.1% | 25.4% | 25.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 1,206.7 | 1,218.6 | 1,207.2 | 1,194.0 | 611.7 | 21.8 | 21.1 | 11.5 | 3.4 | 4.5 |
| Days of inventory on hand | — | — | 201.1 | 198.0 | 2,247.9 | 2,818.2 | 3,199.4 | — | 29.4 | 96.9 |
| Days payables outstanding | — | — | — | — | — | — | — | 17.2 | 12.3 | 13.1 |
| Cash conversion cycle (days) | — | — | — | — | — | — | — | -5.6 | 20.5 | 88.3 |
| Receivables turnover | 0.30 | 0.30 | 0.30 | 0.31 | 0.60 | 16.78 | 17.28 | 31.65 | 106.62 | 81.07 |
| Payables turnover | — | — | — | — | — | — | — | 21.25 | 29.76 | 27.94 |
| Inventory turnover | — | — | 1.81 | 1.84 | 0.16 | 0.13 | 0.11 | — | 12.43 | 3.77 |
| Asset turnover | 0.23 | 0.23 | 0.23 | 0.23 | 0.22 | 0.22 | 0.22 | 0.21 | 0.20 | 0.19 |
| Average receivables | $20.64B | $19.10B | $17.53B | $16.65B | $8.33B | $294.0M | $271.0M | $134.0M | $35.5M | $46.0M |
| Average payables | — | — | — | — | — | — | — | $90.5M | $59.5M | $64.0M |
| Average inventory | — | — | $1.51B | $1.24B | $9.42B | $18.11B | $18.40B | — | $142.5M | $474.5M |
| Intangibles / total assets | 6.4% | 6.8% | 7.0% | 7.5% | 7.7% | 7.7% | 7.7% | 9.0% | 9.6% | 10.6% |
Computed from OMF's annual financial statements (latest annual report filed February 6, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
OMF valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), OneMain traded at 10.3 times earnings, against a 10-year median of 9.1. Based on the latest twelve months, the trailing P/E is 8.4 and the forward P/E is 6.7. OneMain earned a return on equity of 23.8% and a return on invested capital of 3.3% in fiscal 2025. It ended the year with $22.7 billion of debt and $1.3 billion in cash and short-term investments, net debt of $21.4 billion. It returned $653.0 million to shareholders: $499.0 million in dividends and $154.0 million in share buybacks, 21% of free cash flow. The share count fell 11.7% from 135.1M to 119.3M over 9 years.
See the OMF income statement, the OMF chart for price history, or the OMF stock overview for the latest quote and news.
OMF key metrics FAQ
What is OneMain's P/E ratio?
OneMain's trailing P/E ratio is 8.4 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 6.7. At the end of fiscal 2025 it was 10.3, compared with a 10-year median of 9.1.
What is OneMain's EV/EBITDA?
OneMain's enterprise value was 22.8 times EBITDA at the end of fiscal 2025 (enterprise value $29.4 billion, EBITDA $1.3 billion).
What is OneMain's return on equity?
OneMain's return on equity (ROE) was 23.8% in fiscal 2025: net income of $783.0 million on average shareholders' equity of $3.3 billion.
What is OneMain's ROIC?
OneMain's return on invested capital was 3.3% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does OneMain have?
OneMain had total debt of $22.7 billion at the end of fiscal 2025, a debt-to-equity ratio of 6.67 and $21.4 billion of net debt (16.58 times EBITDA).
What is OneMain's dividend yield?
OneMain's forward dividend yield is 7.51%. OneMain paid $499.0 million in dividends in fiscal 2025 ($4.18 per share), a payout ratio of 63.7%.
Does OneMain buy back its shares?
Yes. OneMain spent $154.0 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.7% over the year, to 119.3M..
What is OneMain's free cash flow yield?
OneMain generated $3.1 billion of free cash flow in fiscal 2025, a free cash flow yield of 38.8% on its market value at year-end ($8.1 billion).