ONEMAIN HOLDINGS INC (OMF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OMF - US68268W1036 - Common Stock
65.4 USD
+0.36 (+0.55%)
65.4 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to OMF. OMF was compared to 54 industry peers in the Consumer Finance industry. OMF has an average financial health and profitability rating. OMF has a decent growth rate and is not valued too expensively. Finally OMF also has an excellent dividend rating.
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
- The Return On Assets of OMF (2.61%) is comparable to the rest of the industry.
- OMF's Return On Equity of 20.87% is fine compared to the rest of the industry. OMF outperforms 73.58% of its industry peers.
| 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
- Looking at the Profit Margin, with a value of 11.50%, OMF is in line with its industry, outperforming 50.94% of the companies in the same industry.
- In the last couple of years the Profit Margin of OMF has declined.
- OMF has a Operating Margin (16.32%) which is comparable to the rest of the industry.
- OMF's Operating Margin has declined in the last couple of years.
- OMF has a better Gross Margin (79.44%) than 73.58% 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.
- OMF has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for OMF has been reduced compared to 5 years ago.
- The debt/assets ratio for OMF is higher compared to a year ago.
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 66.04% of the companies in the same industry.
- A Debt/Equity ratio of 6.61 is on the high side and indicates that OMF has dependencies on debt financing.
- OMF's Debt to Equity ratio of 6.61 is on the low side compared to the rest of the industry. OMF is outperformed by 73.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.61 | ||
| Debt/FCF | 7.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.19%
2.3 Liquidity
- A Current Ratio of 2.91 indicates that OMF has no problem at all paying its short term obligations.
- The Current ratio of OMF (2.91) is better than 79.25% of its industry peers.
- OMF has a Quick Ratio of 2.91. This indicates that OMF is financially healthy and has no problem in meeting its short term obligations.
- OMF has a Quick ratio of 2.91. This is in the better half of the industry: OMF outperforms 79.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 |
3. Growth
3.1 Past
- OMF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.68%, which is quite impressive.
- The Earnings Per Share has been decreasing by -6.16% on average over the past years.
- The Revenue has grown by 9.49% in the past year. This is quite good.
- OMF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.65% yearly.
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
- Based on estimates for the next years, OMF will show a very strong growth in Earnings Per Share. The EPS will grow by 25.87% on average per year.
- The Revenue is expected to grow by 9.80% on average over the next years. This is quite good.
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- OMF is valuated reasonably with a Price/Earnings ratio of 10.50.
- The rest of the industry has a similar Price/Earnings ratio as OMF.
- The average S&P500 Price/Earnings ratio is at 27.47. OMF is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 8.10, the valuation of OMF can be described as reasonable.
- 67.92% of the companies in the same industry are more expensive than OMF, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, OMF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.5 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of OMF is on the same level as its industry peers.
- Based on the Price/Free Cash Flow ratio, OMF is valued a bit cheaper than 75.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.55 | ||
| EV/EBITDA | 22.85 |
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)0.28
PEG (5Y)N/A
EPS Next 2Y28.49%
EPS Next 3Y25.87%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.46%, OMF is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.58, OMF pays a better dividend. On top of this OMF pays more dividend than 83.02% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.87, OMF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.46% |
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.
- The dividend of OMF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP71.06%
EPS Next 2Y28.49%
EPS Next 3Y25.87%
65.4
+0.36 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)02-05 2026-02-05/amc
Inst Owners95%
Inst Owner Change-0.01%
Ins Owners0.2%
Ins Owner Change-1.64%
Market Cap7.70B
Revenue(TTM)6.13B
Net Income(TTM)705.00M
Analysts77.89
Price Target73.44 (12.29%)
Short Float %4.38%
Short Ratio4.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.46% |
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)2.81%
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 | 10.5 | ||
| Fwd PE | 8.1 | ||
| P/S | 1.26 | ||
| P/FCF | 2.55 | ||
| P/OCF | 2.55 | ||
| P/B | 2.28 | ||
| P/tB | 4.75 | ||
| EV/EBITDA | 22.85 |
EPS(TTM)6.23
EY9.53%
EPS(NY)8.07
Fwd EY12.34%
FCF(TTM)25.64
FCFY39.21%
OCF(TTM)25.64
OCFY39.21%
SpS52.06
BVpS28.69
TBVpS13.76
PEG (NY)0.28
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
WACC7.19%
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 10.5 and the Price/Book (PB) ratio is 2.28.
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.