ONEMAIN HOLDINGS INC (OMF) Stock Fundamental Analysis

NYSE:OMF • US68268W1036

57.69 USD
+1.32 (+2.34%)
Last: Feb 26, 2026, 03:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall OMF gets a fundamental rating of 5 out of 10. We evaluated OMF against 54 industry peers in the Consumer Finance industry. OMF has an average financial health and profitability rating. OMF is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year OMF was profitable.
  • In the past year OMF had a positive cash flow from operations.
  • In the past 5 years OMF has always been profitable.
  • OMF had a positive operating cash flow in each 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 1B 2B 3B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.86%, OMF is in line with its industry, outperforming 55.56% of the companies in the same industry.
  • The Return On Equity of OMF (23.02%) is better than 79.63% of its industry peers.
Industry RankSector Rank
ROA 2.86%
ROE 23.02%
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

  • OMF's Profit Margin of 12.54% is in line compared to the rest of the industry. OMF outperforms 51.85% of its industry peers.
  • OMF's Profit Margin has declined in the last couple of years.
  • OMF's Operating Margin of 17.11% is fine compared to the rest of the industry. OMF outperforms 61.11% of its industry peers.
  • OMF's Operating Margin has declined in the last couple of years.
  • OMF has a Gross Margin of 79.63%. This is in the better half of the industry: OMF outperforms 74.07% of its industry peers.
  • OMF's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 17.11%
PM (TTM) 12.54%
GM 79.63%
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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5

2. Health

2.1 Basic Checks

  • OMF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, OMF has less shares outstanding
  • OMF has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for OMF has remained at the same level compared to a year ago.
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 7.25. This is a slightly negative value and a sign of low solvency as OMF would need 7.25 years to pay back of all of its debts.
  • The Debt to FCF ratio of OMF (7.25) is better than 66.67% of its industry peers.
  • OMF has a Debt/Equity ratio of 6.67. This is a high value indicating a heavy dependency on external financing.
  • OMF's Debt to Equity ratio of 6.67 is on the low side compared to the rest of the industry. OMF is outperformed by 74.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.67
Debt/FCF 7.25
Altman-Z N/A
ROIC/WACCN/A
WACC6.93%
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

  • OMF has a Current Ratio of 7.19. This indicates that OMF is financially healthy and has no problem in meeting its short term obligations.
  • OMF's Current ratio of 7.19 is amongst the best of the industry. OMF outperforms 92.59% of its industry peers.
  • OMF has a Quick Ratio of 7.19. This indicates that OMF is financially healthy and has no problem in meeting its short term obligations.
  • OMF's Quick ratio of 7.19 is amongst the best of the industry. OMF outperforms 92.59% of its industry peers.
Industry RankSector Rank
Current Ratio 7.19
Quick Ratio 7.19
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.
  • OMF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.81% yearly.
  • Looking at the last year, OMF shows a quite strong growth in Revenue. The Revenue has grown by 9.12% in the last year.
  • The Revenue has been growing slightly by 4.82% on average over the past years.
EPS 1Y (TTM)36.2%
EPS 3Y-2.97%
EPS 5Y1.81%
EPS Q2Q%37.07%
Revenue 1Y (TTM)9.12%
Revenue growth 3Y7.03%
Revenue growth 5Y4.82%
Sales Q2Q%8.33%

3.2 Future

  • OMF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.73% yearly.
  • 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 Year19.22%
Revenue Next 2Y13.06%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.66, the valuation of OMF can be described as very reasonable.
  • OMF's Price/Earnings ratio is in line with the industry average.
  • OMF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.05.
  • A Price/Forward Earnings ratio of 7.23 indicates a rather cheap valuation of OMF.
  • OMF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OMF is cheaper than 74.07% of the companies in the same industry.
  • OMF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
Industry RankSector Rank
PE 8.66
Fwd PE 7.23
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.
  • Based on the Price/Free Cash Flow ratio, OMF is valued a bit cheaper than 77.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.16
EV/EBITDA 20.95
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)0.44
PEG (5Y)4.8
EPS Next 2Y20.27%
EPS Next 3Y17.73%

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.30%, OMF is a good candidate for dividend investing.
  • OMF's Dividend Yield is rather good when compared to the industry average which is at 2.75. OMF pays more dividend than 85.19% of the companies in the same industry.
  • OMF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 7.3%

5.2 History

  • The dividend of OMF decreases each year by -6.71%.
  • 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)-6.71%
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 2026 2 4 6 8

5.3 Sustainability

  • OMF pays out 63.73% of its income as dividend. This is not a sustainable payout ratio.
DP63.73%
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 1B 2B 3B
OMF Dividend Payout.OMF Dividend Payout, showing the Payout Ratio.OMF Dividend Payout.PayoutRetained Earnings

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ONEMAIN HOLDINGS INC

NYSE:OMF (2/26/2026, 3:02:02 PM)

57.69

+1.32 (+2.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05
Earnings (Next)04-27
Inst Owners95%
Inst Owner Change-1.03%
Ins Owners0.2%
Ins Owner Change0.91%
Market Cap6.76B
Revenue(TTM)6.24B
Net Income(TTM)783.00M
Analysts77
Price Target77.1 (33.65%)
Short Float %3.57%
Short Ratio3.07
Dividend
Industry RankSector Rank
Dividend Yield 7.3%
Yearly Dividend4.22
Dividend Growth(5Y)-6.71%
DP63.73%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.34%
Min EPS beat(2)1.86%
Max EPS beat(2)16.83%
EPS beat(4)4
Avg EPS beat(4)11.08%
Min EPS beat(4)1.86%
Max EPS beat(4)17%
EPS beat(8)7
Avg EPS beat(8)8.17%
EPS beat(12)9
Avg EPS beat(12)3.04%
EPS beat(16)12
Avg EPS beat(16)2.99%
Revenue beat(2)0
Avg Revenue beat(2)-7.56%
Min Revenue beat(2)-7.75%
Max Revenue beat(2)-7.37%
Revenue beat(4)1
Avg Revenue beat(4)-4.97%
Min Revenue beat(4)-7.75%
Max Revenue beat(4)0.39%
Revenue beat(8)2
Avg Revenue beat(8)-3.02%
Revenue beat(12)3
Avg Revenue beat(12)0.45%
Revenue beat(16)7
Avg Revenue beat(16)9.75%
PT rev (1m)4.98%
PT rev (3m)14.15%
EPS NQ rev (1m)-5%
EPS NQ rev (3m)-5.23%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-1.25%
Revenue NQ rev (1m)7.69%
Revenue NQ rev (3m)7.6%
Revenue NY rev (1m)5.72%
Revenue NY rev (3m)7.64%
Valuation
Industry RankSector Rank
PE 8.66
Fwd PE 7.23
P/S 1.08
P/FCF 2.16
P/OCF 2.16
P/B 1.99
P/tB 4.11
EV/EBITDA 20.95
EPS(TTM)6.66
EY11.54%
EPS(NY)7.98
Fwd EY13.83%
FCF(TTM)26.74
FCFY46.34%
OCF(TTM)26.74
OCFY46.34%
SpS53.29
BVpS29.03
TBVpS14.04
PEG (NY)0.44
PEG (5Y)4.8
Graham Number65.96
Profitability
Industry RankSector Rank
ROA 2.86%
ROE 23.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 17.11%
PM (TTM) 12.54%
GM 79.63%
FCFM 50.17%
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)3.37%
ROCE(5y)4.75%
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-Score8
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 6.67
Debt/FCF 7.25
Debt/EBITDA 16.75
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.86
Cash Conversion 231.14%
Profit Quality 400%
Current Ratio 7.19
Quick Ratio 7.19
Altman-Z N/A
F-Score8
WACC6.93%
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)441.08%
Profit Quality(5y)353.22%
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)9.12%
Revenue growth 3Y7.03%
Revenue growth 5Y4.82%
Sales Q2Q%8.33%
Revenue Next Year19.22%
Revenue Next 2Y13.06%
Revenue Next 3Y13.1%
Revenue Next 5YN/A
EBIT growth 1Y52.79%
EBIT growth 3Y-3.54%
EBIT growth 5Y1%
EBIT Next Year26.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.04%
FCF growth 3Y9.48%
FCF growth 5Y7.2%
OCF growth 1Y16.04%
OCF growth 3Y9.48%
OCF growth 5Y7.2%

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 6 / 10 to ONEMAIN HOLDINGS INC (OMF). This can be considered as Fairly Valued.


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 8.66 and the Price/Book (PB) ratio is 1.99.


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.