ONEMAIN HOLDINGS INC (OMF) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:OMF • US68268W1036

61.76 USD
-0.34 (-0.55%)
At close: Feb 10, 2026
61.76 USD
0 (0%)
After Hours: 2/10/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to OMF. OMF was compared to 54 industry peers in the Consumer Finance industry. There are concerns on the financial health of OMF while its profitability can be described as average. OMF is not valued too expensively and it also shows a decent growth rate. Finally OMF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year OMF was profitable.
  • OMF had a positive operating cash flow in the past year.
  • Each year in the past 5 years OMF has been profitable.
  • OMF had a positive operating cash flow in 4 of the past 5 years.
OMF Yearly Net Income VS EBIT VS OCF VS FCFOMF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

1.2 Ratios

  • OMF has a Return On Assets of 2.61%. This is comparable to the rest of the industry: OMF outperforms 55.56% of its industry peers.
  • Looking at the Return On Equity, with a value of 20.87%, OMF is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
Industry RankSector Rank
ROA 2.61%
ROE 20.87%
ROIC N/A
ROA(3y)2.49%
ROA(5y)3.46%
ROE(3y)19.7%
ROE(5y)26.11%
ROIC(3y)N/A
ROIC(5y)N/A
OMF Yearly ROA, ROE, ROICOMF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

1.3 Margins

  • The Profit Margin of OMF (11.50%) is comparable to the rest of the industry.
  • OMF's Profit Margin has declined in the last couple of years.
  • OMF has a Operating Margin of 16.32%. This is comparable to the rest of the industry: OMF outperforms 59.26% of its industry peers.
  • OMF's Operating Margin has declined in the last couple of years.
  • The Gross Margin of OMF (79.44%) is better than 74.07% of its industry peers.
  • In the last couple of years the Gross Margin of OMF has remained more or less at the same level.
Industry RankSector Rank
OM 16.32%
PM (TTM) 11.5%
GM 79.44%
OM growth 3Y-9.88%
OM growth 5Y-3.64%
PM growth 3Y-10.07%
PM growth 5Y-3.25%
GM growth 3Y-1.17%
GM growth 5Y0.11%
OMF Yearly Profit, Operating, Gross MarginsOMF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • OMF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OMF has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, OMF has less shares outstanding
  • Compared to 1 year ago, OMF has about the same debt to assets ratio.
OMF Yearly Shares OutstandingOMF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
OMF Yearly Total Debt VS Total AssetsOMF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • OMF has a debt to FCF ratio of 7.40. This is a slightly negative value and a sign of low solvency as OMF would need 7.40 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 7.40, OMF is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • OMF has a Debt/Equity ratio of 6.61. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of OMF (6.61) is worse than 72.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.61
Debt/FCF 7.4
Altman-Z N/A
ROIC/WACCN/A
WACC7.09%
OMF Yearly LT Debt VS Equity VS FCFOMF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OMF Yearly Current Assets VS Current LiabilitesOMF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • OMF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.20%, which is quite impressive.
  • Measured over the past 5 years, OMF shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
  • OMF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.09%.
  • Measured over the past years, OMF shows a small growth in Revenue. The Revenue has been growing by 4.82% on average per year.
EPS 1Y (TTM)36.2%
EPS 3Y-2.97%
EPS 5Y1.81%
EPS Q2Q%37.07%
Revenue 1Y (TTM)9.09%
Revenue growth 3Y7.03%
Revenue growth 5Y4.82%
Sales Q2Q%8.33%

3.2 Future

  • Based on estimates for the next years, OMF will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.73% on average per year.
  • Based on estimates for the next years, OMF will show a quite strong growth in Revenue. The Revenue will grow by 13.10% on average per year.
EPS Next Y19.8%
EPS Next 2Y20.27%
EPS Next 3Y17.73%
EPS Next 5YN/A
Revenue Next Year12.78%
Revenue Next 2Y10.35%
Revenue Next 3Y13.1%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
OMF Yearly Revenue VS EstimatesOMF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
OMF Yearly EPS VS EstimatesOMF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.27, the valuation of OMF can be described as very reasonable.
  • OMF's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 28.03. OMF is valued rather cheaply when compared to this.
  • OMF is valuated cheaply with a Price/Forward Earnings ratio of 7.74.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OMF indicates a somewhat cheap valuation: OMF is cheaper than 75.93% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.97. OMF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.27
Fwd PE 7.74
OMF Price Earnings VS Forward Price EarningsOMF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • OMF's Enterprise Value to EBITDA ratio is in line with the industry average.
  • 74.07% of the companies in the same industry are more expensive than OMF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.4
EV/EBITDA 22.52
OMF Per share dataOMF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as OMF's earnings are expected to grow with 17.73% in the coming years.
PEG (NY)0.47
PEG (5Y)5.14
EPS Next 2Y20.27%
EPS Next 3Y17.73%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • OMF has a Yearly Dividend Yield of 6.80%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.75, OMF pays a better dividend. On top of this OMF pays more dividend than 85.19% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, OMF pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.8%

5.2 History

  • On average, the dividend of OMF grows each year by 6.78%, which is quite nice.
  • OMF has been paying a dividend for over 5 years, so it has already some track record.
  • OMF has decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.78%
Div Incr Years2
Div Non Decr Years2
OMF Yearly Dividends per shareOMF Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

5.3 Sustainability

  • OMF pays out 71.06% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of OMF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP71.06%
EPS Next 2Y20.27%
EPS Next 3Y17.73%
OMF Yearly Income VS Free CF VS DividendOMF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
OMF Dividend Payout.OMF Dividend Payout, showing the Payout Ratio.OMF Dividend Payout.PayoutRetained Earnings

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ONEMAIN HOLDINGS INC

NYSE:OMF (2/10/2026, 8:04:00 PM)

After market: 61.76 0 (0%)

61.76

-0.34 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05
Earnings (Next)04-27
Inst Owners95%
Inst Owner Change-2.4%
Ins Owners0.2%
Ins Owner Change-0.47%
Market Cap7.24B
Revenue(TTM)6.24B
Net Income(TTM)705.00M
Analysts77
Price Target77.1 (24.84%)
Short Float %3.41%
Short Ratio3.5
Dividend
Industry RankSector Rank
Dividend Yield 6.8%
Yearly Dividend4.17
Dividend Growth(5Y)6.78%
DP71.06%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.91%
Min EPS beat(2)16.83%
Max EPS beat(2)17%
EPS beat(4)3
Avg EPS beat(4)10.61%
Min EPS beat(4)-0.04%
Max EPS beat(4)17%
EPS beat(8)7
Avg EPS beat(8)8.01%
EPS beat(12)9
Avg EPS beat(12)3.08%
EPS beat(16)12
Avg EPS beat(16)2.89%
Revenue beat(2)1
Avg Revenue beat(2)-3.68%
Min Revenue beat(2)-7.75%
Max Revenue beat(2)0.39%
Revenue beat(4)1
Avg Revenue beat(4)-4.19%
Min Revenue beat(4)-7.75%
Max Revenue beat(4)0.39%
Revenue beat(8)2
Avg Revenue beat(8)-2.23%
Revenue beat(12)4
Avg Revenue beat(12)4.34%
Revenue beat(16)8
Avg Revenue beat(16)12.76%
PT rev (1m)11.27%
PT rev (3m)18.23%
EPS NQ rev (1m)-2.23%
EPS NQ rev (3m)-5.83%
EPS NY rev (1m)-0.51%
EPS NY rev (3m)1.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-7.41%
Valuation
Industry RankSector Rank
PE 9.27
Fwd PE 7.74
P/S 1.18
P/FCF 2.4
P/OCF 2.4
P/B 2.14
P/tB 4.47
EV/EBITDA 22.52
EPS(TTM)6.66
EY10.78%
EPS(NY)7.98
Fwd EY12.92%
FCF(TTM)25.77
FCFY41.73%
OCF(TTM)25.77
OCFY41.73%
SpS52.32
BVpS28.83
TBVpS13.83
PEG (NY)0.47
PEG (5Y)5.14
Graham Number65.73
Profitability
Industry RankSector Rank
ROA 2.61%
ROE 20.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 16.32%
PM (TTM) 11.5%
GM 79.44%
FCFM 49.26%
ROA(3y)2.49%
ROA(5y)3.46%
ROE(3y)19.7%
ROE(5y)26.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-9.88%
OM growth 5Y-3.64%
PM growth 3Y-10.07%
PM growth 5Y-3.25%
GM growth 3Y-1.17%
GM growth 5Y0.11%
F-Score7
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 6.61
Debt/FCF 7.4
Debt/EBITDA 17.4
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 235.13%
Profit Quality 428.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.09%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36.2%
EPS 3Y-2.97%
EPS 5Y1.81%
EPS Q2Q%37.07%
EPS Next Y19.8%
EPS Next 2Y20.27%
EPS Next 3Y17.73%
EPS Next 5YN/A
Revenue 1Y (TTM)9.09%
Revenue growth 3Y7.03%
Revenue growth 5Y4.82%
Sales Q2Q%8.33%
Revenue Next Year12.78%
Revenue Next 2Y10.35%
Revenue Next 3Y13.1%
Revenue Next 5YN/A
EBIT growth 1Y35.5%
EBIT growth 3Y-3.54%
EBIT growth 5Y1%
EBIT Next Year26.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y15.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y15.01%
OCF growth 3YN/A
OCF growth 5YN/A

ONEMAIN HOLDINGS INC / OMF FAQ

What is the fundamental rating for OMF stock?

ChartMill assigns a fundamental rating of 5 / 10 to OMF.


What is the valuation status of ONEMAIN HOLDINGS INC (OMF) stock?

ChartMill assigns a valuation rating of 7 / 10 to ONEMAIN HOLDINGS INC (OMF). This can be considered as Undervalued.


Can you provide the profitability details for ONEMAIN HOLDINGS INC?

ONEMAIN HOLDINGS INC (OMF) has a profitability rating of 4 / 10.


What are the PE and PB ratios of ONEMAIN HOLDINGS INC (OMF) stock?

The Price/Earnings (PE) ratio for ONEMAIN HOLDINGS INC (OMF) is 9.27 and the Price/Book (PB) ratio is 2.14.


What is the earnings growth outlook for ONEMAIN HOLDINGS INC?

The Earnings per Share (EPS) of ONEMAIN HOLDINGS INC (OMF) is expected to grow by 19.8% in the next year.