ONEMAIN HOLDINGS INC (OMF) Stock Fundamental Analysis
USA - NYSE:OMF - US68268W1036 - Common Stock
56.57 USD
+0.55 (+0.98%)
We assign a fundamental rating of 5 out of 10 to OMF. OMF was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and the financial health of OMF get a neutral evaluation. Nothing too spectacular is happening here. OMF is valued quite cheap, while showing a decent growth score. This is a good 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
The Return On Assets of OMF (2.49%) is comparable to the rest of the industry.
OMF has a Return On Equity of 19.93%. This is in the better half of the industry: OMF outperforms 78.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 19.93% | ||
| 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 of 11.05%. This is comparable to the rest of the industry: OMF outperforms 54.55% of its industry peers.
OMF's Profit Margin has declined in the last couple of years.
OMF has a better Operating Margin (15.10%) than 63.64% of its industry peers.
OMF's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 79.32%, OMF is in the better half of the industry, outperforming 70.91% of the companies in the same industry.
OMF's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.1% | ||
| PM (TTM) | 11.05% | ||
| GM | 79.32% |
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.
OMF has less shares outstanding than it did 5 years ago.
OMF has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of OMF is 7.69, which is on the high side as it means it would take OMF, 7.69 years of fcf income to pay off all of its debts.
OMF has a Debt to FCF ratio (7.69) which is comparable to the rest of the industry.
OMF has a Debt/Equity ratio of 6.63. This is a high value indicating a heavy dependency on external financing.
OMF's Debt to Equity ratio of 6.63 is on the low side compared to the rest of the industry. OMF is outperformed by 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.63 | ||
| Debt/FCF | 7.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.01%
2.3 Liquidity
A Current Ratio of 2.91 indicates that OMF has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.91, OMF is doing good in the industry, outperforming 78.18% of the companies in the same industry.
A Quick Ratio of 2.91 indicates that OMF has no problem at all paying its short term obligations.
OMF has a better Quick ratio (2.91) than 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 been growing slightly by 2.95% 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.
OMF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.39%.
Measured over the past years, OMF shows a small growth in Revenue. The Revenue has been growing by 3.65% on average per year.
EPS 1Y (TTM)2.95%
EPS 3Y-23.16%
EPS 5Y-6.16%
EPS Q2Q%42.16%
Revenue 1Y (TTM)9.39%
Revenue growth 3Y4.79%
Revenue growth 5Y3.65%
Sales Q2Q%10.85%
3.2 Future
The Earnings Per Share is expected to grow by 27.68% on average over the next years. This is a very strong growth
OMF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.82% yearly.
EPS Next Y31.39%
EPS Next 2Y28.29%
EPS Next 3Y27.68%
EPS Next 5YN/A
Revenue Next Year8.54%
Revenue Next 2Y10.33%
Revenue Next 3Y11.82%
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.
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
OMF is valuated reasonably with a Price/Earnings ratio of 10.12.
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 26.76.
OMF is valuated cheaply with a Price/Forward Earnings ratio of 7.03.
Based on the Price/Forward Earnings ratio, OMF is valued a bit cheaper than the industry average as 72.73% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.63. OMF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.12 | ||
| Fwd PE | 7.03 |
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.
80.00% 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 | 2.34 | ||
| EV/EBITDA | 23.5 |
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 27.68% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y28.29%
EPS Next 3Y27.68%
5. Dividend
5.1 Amount
OMF has a Yearly Dividend Yield of 7.38%, which is a nice return.
Compared to an average industry Dividend Yield of 4.69, OMF pays a better dividend. On top of this OMF pays more dividend than 92.73% 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.38% |
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.
The dividend of OMF decreased in the last 3 years.
Dividend Growth(5Y)6.78%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
OMF pays out 75.72% of its income as dividend. This is not a sustainable payout ratio.
The dividend of OMF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP75.72%
EPS Next 2Y28.29%
EPS Next 3Y27.68%
NYSE:OMF (10/30/2025, 12:35:07 PM)
56.57
+0.55 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners92.2%
Inst Owner Change-9.36%
Ins Owners0.24%
Ins Owner Change-1.63%
Market Cap6.72B
Revenue(TTM)6.00B
Net Income(TTM)663.00M
Analysts80
Price Target66.38 (17.34%)
Short Float %5.05%
Short Ratio6.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.38% |
Yearly Dividend4.17
Dividend Growth(5Y)6.78%
DP75.72%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.82%
Min EPS beat(2)8.65%
Max EPS beat(2)17%
EPS beat(4)3
Avg EPS beat(4)8.74%
Min EPS beat(4)-0.04%
Max EPS beat(4)17%
EPS beat(8)7
Avg EPS beat(8)6.44%
EPS beat(12)9
Avg EPS beat(12)2.56%
EPS beat(16)12
Avg EPS beat(16)1.97%
Revenue beat(2)1
Avg Revenue beat(2)-2.37%
Min Revenue beat(2)-5.14%
Max Revenue beat(2)0.39%
Revenue beat(4)1
Avg Revenue beat(4)-2.95%
Min Revenue beat(4)-5.14%
Max Revenue beat(4)0.39%
Revenue beat(8)2
Avg Revenue beat(8)-1.41%
Revenue beat(12)5
Avg Revenue beat(12)8.33%
Revenue beat(16)9
Avg Revenue beat(16)15.93%
PT rev (1m)0%
PT rev (3m)2.55%
EPS NQ rev (1m)-0.57%
EPS NQ rev (3m)5.04%
EPS NY rev (1m)-0.53%
EPS NY rev (3m)4.08%
Revenue NQ rev (1m)2.56%
Revenue NQ rev (3m)9.93%
Revenue NY rev (1m)3.86%
Revenue NY rev (3m)-1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.12 | ||
| Fwd PE | 7.03 | ||
| P/S | 1.12 | ||
| P/FCF | 2.34 | ||
| P/OCF | 2.34 | ||
| P/B | 2.02 | ||
| P/tB | 4.29 | ||
| EV/EBITDA | 23.5 |
EPS(TTM)5.59
EY9.88%
EPS(NY)8.05
Fwd EY14.23%
FCF(TTM)24.13
FCFY42.65%
OCF(TTM)24.13
OCFY42.65%
SpS50.48
BVpS27.98
TBVpS13.18
PEG (NY)0.32
PEG (5Y)N/A
Graham Number59.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 19.93% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 15.1% | ||
| PM (TTM) | 11.05% | ||
| GM | 79.32% | ||
| FCFM | 47.8% |
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 | 6.63 | ||
| Debt/FCF | 7.69 | ||
| Debt/EBITDA | 18.55 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 241.21% | ||
| Profit Quality | 432.58% | ||
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 | ||
| Altman-Z | N/A |
F-Score6
WACC7.01%
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)2.95%
EPS 3Y-23.16%
EPS 5Y-6.16%
EPS Q2Q%42.16%
EPS Next Y31.39%
EPS Next 2Y28.29%
EPS Next 3Y27.68%
EPS Next 5YN/A
Revenue 1Y (TTM)9.39%
Revenue growth 3Y4.79%
Revenue growth 5Y3.65%
Sales Q2Q%10.85%
Revenue Next Year8.54%
Revenue Next 2Y10.33%
Revenue Next 3Y11.82%
Revenue Next 5YN/A
EBIT growth 1Y16.75%
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 1Y16.87%
FCF growth 3Y6.3%
FCF growth 5Y2.7%
OCF growth 1Y16.87%
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 10.12 and the Price/Book (PB) ratio is 2.02.
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 31.39% in the next year.