ONEMAIN HOLDINGS INC (OMF) Fundamental Analysis & Valuation

NYSE:OMF • US68268W1036

Current stock price

57.66 USD
+0.24 (+0.42%)
At close:
57.66 USD
0 (0%)
After Hours:

This OMF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. OMF Profitability Analysis

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.
  • 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

  • OMF has a Return On Assets of 2.86%. This is comparable to the rest of the industry: OMF outperforms 53.70% of its industry peers.
  • OMF has a Return On Equity of 23.02%. This is in the better half of the industry: OMF outperforms 74.07% 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 has a Profit Margin (12.54%) which is comparable to the rest of the industry.
  • OMF's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 17.11%, OMF is in line with its industry, outperforming 57.41% of the companies in the same industry.
  • In the last couple of years the Operating Margin of OMF has declined.
  • OMF's Gross Margin of 79.63% is fine compared to the rest of the industry. OMF outperforms 70.37% 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. OMF Health Analysis

2.1 Basic Checks

  • OMF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for OMF has been reduced compared to 1 year ago.
  • OMF has less shares outstanding than it did 5 years ago.
  • OMF has about the same debt/assets ratio as last year.
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.
  • Looking at the Debt to FCF ratio, with a value of 7.25, OMF is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
  • OMF has a Debt/Equity ratio of 6.67. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of OMF (6.67) is worse than 77.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.67
Debt/FCF 7.25
Altman-Z N/A
ROIC/WACCN/A
WACC7.03%
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

  • A Current Ratio of 7.19 indicates that OMF has no problem at all paying its short term obligations.
  • The Current ratio of OMF (7.19) is better than 94.44% of its industry peers.
  • A Quick Ratio of 7.19 indicates that OMF has no problem at all paying its short term obligations.
  • OMF's Quick ratio of 7.19 is amongst the best of the industry. OMF outperforms 94.44% 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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6

3. OMF Growth Analysis

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.
  • The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
  • The Revenue has grown by 9.12% in the past year. This is quite good.
  • 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.
  • OMF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.10% yearly.
EPS Next Y13.42%
EPS Next 2Y16.54%
EPS Next 3Y17.73%
EPS Next 5YN/A
Revenue Next Year14.64%
Revenue Next 2Y10.7%
Revenue Next 3Y13.1%
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.
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. OMF Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.66, the valuation of OMF can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of OMF is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 27.38. OMF is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.63, the valuation of OMF can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OMF indicates a somewhat cheap valuation: OMF is cheaper than 72.22% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 38.20. OMF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.66
Fwd PE 7.63
OMF Price Earnings VS Forward Price EarningsOMF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • OMF's Enterprise Value to EBITDA ratio is in line with the industry average.
  • OMF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OMF is cheaper than 75.93% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.16
EV/EBITDA 21.04
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.
  • OMF's earnings are expected to grow with 17.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.65
PEG (5Y)4.8
EPS Next 2Y16.54%
EPS Next 3Y17.73%

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

5

5. OMF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.42%, OMF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.23, OMF pays a better dividend. On top of this OMF pays more dividend than 81.48% of the companies listed in the same industry.
  • OMF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.42%

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 not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-6.71%
Div Incr Years3
Div Non Decr Years3
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

  • 63.73% of the earnings are spent on dividend by OMF. This is not a sustainable payout ratio.
DP63.73%
EPS Next 2Y16.54%
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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OMF Fundamentals: All Metrics, Ratios and Statistics

ONEMAIN HOLDINGS INC

NYSE:OMF (4/15/2026, 7:09:15 PM)

After market: 57.66 0 (0%)

57.66

+0.24 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05
Earnings (Next)04-29
Inst Owners93.57%
Inst Owner Change0.03%
Ins Owners0.28%
Ins Owner Change0.38%
Market Cap6.75B
Revenue(TTM)6.24B
Net Income(TTM)783.00M
Analysts75.79
Price Target71.16 (23.41%)
Short Float %3.84%
Short Ratio2.63
Dividend
Industry RankSector Rank
Dividend Yield 7.42%
Yearly Dividend4.22
Dividend Growth(5Y)-6.71%
DP63.73%
Div Incr Years3
Div Non Decr Years3
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)-4.43%
PT rev (3m)2.71%
EPS NQ rev (1m)-1.36%
EPS NQ rev (3m)-6.62%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-6.44%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)3.13%
Revenue NY rev (1m)-2.15%
Revenue NY rev (3m)1.73%
Valuation
Industry RankSector Rank
PE 8.66
Fwd PE 7.63
P/S 1.08
P/FCF 2.16
P/OCF 2.16
P/B 1.99
P/tB 4.11
EV/EBITDA 21.04
EPS(TTM)6.66
EY11.55%
EPS(NY)7.55
Fwd EY13.1%
FCF(TTM)26.74
FCFY46.37%
OCF(TTM)26.74
OCFY46.37%
SpS53.29
BVpS29.03
TBVpS14.04
PEG (NY)0.65
PEG (5Y)4.8
Graham Number65.9569 (14.39%)
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
WACC7.03%
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 Y13.42%
EPS Next 2Y16.54%
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 Year14.64%
Revenue Next 2Y10.7%
Revenue Next 3Y13.1%
Revenue Next 5YN/A
EBIT growth 1Y52.79%
EBIT growth 3Y-3.54%
EBIT growth 5Y1%
EBIT Next Year24.16%
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 Fundamental Analysis 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.


What is the profitability of OMF stock?

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


Can you provide the PE and PB ratios for OMF stock?

The Price/Earnings (PE) ratio for ONEMAIN HOLDINGS INC (OMF) is 8.66 and the Price/Book (PB) ratio is 1.99.


Can you provide the dividend sustainability for OMF stock?

The dividend rating of ONEMAIN HOLDINGS INC (OMF) is 5 / 10 and the dividend payout ratio is 63.73%.