ONEMAIN HOLDINGS INC (OMF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OMF - US68268W1036 - Common Stock
61.34 USD
+1.5 (+2.51%)
61.34 USD
0 (0%)
OMF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. OMF has an average financial health and profitability rating. OMF scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally OMF also has an excellent dividend rating.
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.
1.2 Ratios
OMF has a Return On Assets of 2.61%. This is comparable to the rest of the industry: OMF outperforms 60.00% of its industry peers.
The Return On Equity of OMF (20.87%) is better than 78.18% 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
With a Profit Margin value of 11.50%, OMF perfoms like the industry average, outperforming 56.36% of the companies in the same industry.
In the last couple of years the Profit Margin of OMF has declined.
With a decent Operating Margin value of 16.32%, OMF is doing good in the industry, outperforming 61.82% of the companies in the same industry.
In the last couple of years the Operating Margin of OMF has declined.
OMF has a Gross Margin of 79.44%. This is in the better half of the industry: OMF outperforms 70.91% 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 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
Compared to 5 years ago, OMF has less shares outstanding
OMF has a worse debt/assets ratio than last year.
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.
OMF's Debt to FCF ratio of 7.40 is fine compared to the rest of the industry. OMF outperforms 63.64% of its industry peers.
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 76.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.61 | ||
| Debt/FCF | 7.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.21%
2.3 Liquidity
OMF has a Current Ratio of 2.91. This indicates that OMF is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.91, OMF is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
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 78.18% 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.
OMF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.16% yearly.
The Revenue has grown by 9.49% in the past year. This is quite good.
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
Based on estimates for the next years, OMF will show a very strong growth in Earnings Per Share. The EPS will grow by 26.61% 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 11.79% on average per year.
EPS Next Y34.64%
EPS Next 2Y28.54%
EPS Next 3Y26.62%
EPS Next 5YN/A
Revenue Next Year18.65%
Revenue Next 2Y10.31%
Revenue Next 3Y11.79%
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.
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
A Price/Earnings ratio of 9.85 indicates a reasonable valuation of OMF.
OMF's Price/Earnings ratio is a bit cheaper when compared to the industry. OMF is cheaper than 63.64% of the companies in the same industry.
When comparing the Price/Earnings ratio of OMF to the average of the S&P500 Index (25.98), we can say OMF is valued rather cheaply.
A Price/Forward Earnings ratio of 7.59 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 70.91% of the companies in the same industry.
OMF is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | 7.59 |
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.
74.55% 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 | 2.42 | ||
| EV/EBITDA | 22.56 |
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.
A more expensive valuation may be justified as OMF's earnings are expected to grow with 26.61% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y28.54%
EPS Next 3Y26.62%
5. Dividend
5.1 Amount
OMF has a Yearly Dividend Yield of 7.27%, which is a nice return.
OMF's Dividend Yield is rather good when compared to the industry average which is at 5.22. OMF pays more dividend than 87.27% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, OMF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.27% |
5.2 History
The dividend of OMF is nicely growing with an annual growth rate of 6.78%!
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
5.3 Sustainability
OMF pays out 71.06% of its income as dividend. 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 2Y28.54%
EPS Next 3Y26.62%
61.34
+1.5 (+2.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners92.2%
Inst Owner Change-5.22%
Ins Owners0.24%
Ins Owner Change-1.39%
Market Cap7.29B
Revenue(TTM)6.13B
Net Income(TTM)705.00M
Analysts79
Price Target67.54 (10.11%)
Short Float %4.62%
Short Ratio4.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.27% |
Yearly Dividend4.17
Dividend Growth(5Y)6.78%
DP71.06%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)1.75%
PT rev (3m)1.75%
EPS NQ rev (1m)3.86%
EPS NQ rev (3m)2.29%
EPS NY rev (1m)2.47%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)-1.68%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)9.31%
Revenue NY rev (3m)9.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | 7.59 | ||
| P/S | 1.19 | ||
| P/FCF | 2.42 | ||
| P/OCF | 2.42 | ||
| P/B | 2.16 | ||
| P/tB | 4.5 | ||
| EV/EBITDA | 22.56 |
EPS(TTM)6.23
EY10.16%
EPS(NY)8.08
Fwd EY13.17%
FCF(TTM)25.4
FCFY41.4%
OCF(TTM)25.4
OCFY41.4%
SpS51.56
BVpS28.42
TBVpS13.63
PEG (NY)0.28
PEG (5Y)N/A
Graham Number63.11
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
WACC7.21%
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 Y34.64%
EPS Next 2Y28.54%
EPS Next 3Y26.62%
EPS Next 5YN/A
Revenue 1Y (TTM)9.49%
Revenue growth 3Y4.79%
Revenue growth 5Y3.65%
Sales Q2Q%9.28%
Revenue Next Year18.65%
Revenue Next 2Y10.31%
Revenue Next 3Y11.79%
Revenue Next 5YN/A
EBIT growth 1Y35.5%
EBIT growth 3Y-27.23%
EBIT growth 5Y-9.16%
EBIT Next Year-43.21%
EBIT Next 3YN/A
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 for 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 is the valuation of ONEMAIN HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ONEMAIN HOLDINGS INC (OMF) is 9.85 and the Price/Book (PB) ratio is 2.16.
What is the expected EPS growth for ONEMAIN HOLDINGS INC (OMF) stock?
The Earnings per Share (EPS) of ONEMAIN HOLDINGS INC (OMF) is expected to grow by 34.64% in the next year.