ONEMAIN HOLDINGS INC (OMF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OMF - US68268W1036 - Common Stock
71.04 USD
+0.71 (+1.01%)
71.5 USD
+0.46 (+0.65%)
Overall OMF gets a fundamental rating of 5 out of 10. We evaluated OMF against 55 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.
1. Profitability
1.1 Basic Checks
In the past year OMF was profitable.
OMF had a positive operating cash flow in the past year.
OMF had positive earnings in each of the past 5 years.
Each year in the past 5 years OMF had a positive operating cash flow.
1.2 Ratios
OMF has a Return On Assets (2.61%) which is comparable to the rest of the industry.
With a decent Return On Equity value of 20.87%, OMF is doing good in the industry, outperforming 74.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.61% | ||
| ROE | 20.87% | ||
| ROIC | N/A |
ROA(3y)2.83%
ROA(5y)3.54%
ROE(3y)21.69%
ROE(5y)25.75%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OMF has a Profit Margin (11.50%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of OMF has declined.
The Operating Margin of OMF (16.32%) is comparable to the rest of the industry.
OMF's Operating Margin has declined in the last couple of years.
The Gross Margin of OMF (79.44%) is better than 70.91% of its industry peers.
OMF's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.32% | ||
| PM (TTM) | 11.5% | ||
| GM | 79.44% |
OM growth 3Y-30.55%
OM growth 5Y-12.35%
PM growth 3Y-30.43%
PM growth 5Y-13.02%
GM growth 3Y-0.77%
GM growth 5Y-0.11%
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
The number of shares outstanding for OMF has been reduced compared to 5 years ago.
Compared to 1 year ago, OMF has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OMF is 7.40, which is on the high side as it means it would take OMF, 7.40 years of fcf income to pay off 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 67.27% 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.
With a Debt to Equity ratio value of 6.61, OMF is not doing good in the industry: 74.55% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.61 | ||
| Debt/FCF | 7.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.27%
2.3 Liquidity
A Current Ratio of 2.91 indicates that OMF has no problem at all paying its short term obligations.
OMF has a Current ratio of 2.91. This is in the better half of the industry: OMF outperforms 78.18% of its industry peers.
A Quick Ratio of 2.91 indicates that OMF has no problem at all paying its short term obligations.
OMF has a Quick ratio of 2.91. This is in the better half of the industry: OMF outperforms 78.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 21.68% over the past year.
Measured over the past years, OMF shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.16% on average per year.
Looking at the last year, OMF shows a quite strong growth in Revenue. The Revenue has grown by 9.49% in the last year.
The Revenue has been growing slightly by 3.65% on average over the past years.
EPS 1Y (TTM)21.68%
EPS 3Y-23.16%
EPS 5Y-6.16%
EPS Q2Q%50.79%
Revenue 1Y (TTM)9.49%
Revenue growth 3Y4.79%
Revenue growth 5Y3.65%
Sales Q2Q%9.28%
3.2 Future
OMF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.87% yearly.
OMF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.80% yearly.
EPS Next Y37.02%
EPS Next 2Y28.49%
EPS Next 3Y25.87%
EPS Next 5YN/A
Revenue Next Year9.85%
Revenue Next 2Y11.26%
Revenue Next 3Y9.8%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.40, which indicates a very decent valuation of OMF.
OMF's Price/Earnings ratio is in line with the industry average.
OMF is valuated cheaply when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.80, which indicates a very decent valuation of OMF.
Based on the Price/Forward Earnings ratio, OMF is valued a bit cheaper than the industry average as 65.45% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.70. OMF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 8.8 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as OMF.
76.36% of the companies in the same industry are more expensive than OMF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.77 | ||
| EV/EBITDA | 23.33 |
4.3 Compensation for Growth
OMF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
OMF's earnings are expected to grow with 25.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y28.49%
EPS Next 3Y25.87%
5. Dividend
5.1 Amount
OMF has a Yearly Dividend Yield of 6.22%, which is a nice return.
OMF's Dividend Yield is a higher than the industry average which is at 2.93.
OMF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
5.2 History
The dividend of OMF is nicely growing with an annual growth rate of 6.79%!
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)6.79%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
71.06% of the earnings are spent on dividend by OMF. This is not a sustainable payout ratio.
OMF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP71.06%
EPS Next 2Y28.49%
EPS Next 3Y25.87%
71.04
+0.71 (+1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners95%
Inst Owner Change0%
Ins Owners0.2%
Ins Owner Change-1.64%
Market Cap8.36B
Revenue(TTM)6.13B
Net Income(TTM)705.00M
Analysts79
Price Target69.29 (-2.46%)
Short Float %4.38%
Short Ratio4.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
Yearly Dividend4.17
Dividend Growth(5Y)6.79%
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)2.59%
PT rev (3m)4.38%
EPS NQ rev (1m)-0.76%
EPS NQ rev (3m)-1.87%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)3.72%
Revenue NQ rev (1m)2.7%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)3.98%
Revenue NY rev (3m)5.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 8.8 | ||
| P/S | 1.36 | ||
| P/FCF | 2.77 | ||
| P/OCF | 2.77 | ||
| P/B | 2.48 | ||
| P/tB | 5.16 | ||
| EV/EBITDA | 23.33 |
EPS(TTM)6.23
EY8.77%
EPS(NY)8.07
Fwd EY11.36%
FCF(TTM)25.64
FCFY36.1%
OCF(TTM)25.64
OCFY36.1%
SpS52.06
BVpS28.69
TBVpS13.76
PEG (NY)0.31
PEG (5Y)N/A
Graham Number63.42
Profitability
| Industry Rank | Sector 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)2.83%
ROA(5y)3.54%
ROE(3y)21.69%
ROE(5y)25.75%
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)3.84%
ROCE(5y)4.87%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-30.55%
OM growth 5Y-12.35%
PM growth 3Y-30.43%
PM growth 5Y-13.02%
GM growth 3Y-0.77%
GM growth 5Y-0.11%
F-Score6
Asset Turnover0.23
Health
| Industry Rank | Sector 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 | 2.91 | ||
| Quick Ratio | 2.91 | ||
| Altman-Z | N/A |
F-Score6
WACC7.27%
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)398.37%
Profit Quality(5y)333.82%
High Growth Momentum
Growth
EPS 1Y (TTM)21.68%
EPS 3Y-23.16%
EPS 5Y-6.16%
EPS Q2Q%50.79%
EPS Next Y37.02%
EPS Next 2Y28.49%
EPS Next 3Y25.87%
EPS Next 5YN/A
Revenue 1Y (TTM)9.49%
Revenue growth 3Y4.79%
Revenue growth 5Y3.65%
Sales Q2Q%9.28%
Revenue Next Year9.85%
Revenue Next 2Y11.26%
Revenue Next 3Y9.8%
Revenue Next 5YN/A
EBIT growth 1Y35.5%
EBIT growth 3Y-27.23%
EBIT growth 5Y-9.16%
EBIT Next Year-42.49%
EBIT Next 3Y-12.13%
EBIT Next 5YN/A
FCF growth 1Y20.52%
FCF growth 3Y6.3%
FCF growth 5Y2.7%
OCF growth 1Y20.52%
OCF growth 3Y6.3%
OCF growth 5Y2.7%
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 11.4 and the Price/Book (PB) ratio is 2.48.
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 37.02% in the next year.