ONEMAIN HOLDINGS INC (OMF) Stock Fundamental Analysis
NYSE:OMF - US68268W1036 - Common Stock
61.86 USD
+0.27 (+0.44%)
61.86 USD
0 (0%)
Overall OMF gets a fundamental rating of 5 out of 10. We evaluated OMF against 54 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 may be a bit undervalued, certainly considering the very reasonable score on growth Finally OMF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
OMF had positive earnings in the past year.
OMF had a positive operating cash flow in the past year.
In the past 5 years OMF has always been profitable.
In the past 5 years OMF always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.49%, OMF is in line with its industry, outperforming 55.56% of the companies in the same industry.
With an excellent Return On Equity value of 19.93%, OMF belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
| 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's Profit Margin of 11.05% is in line compared to the rest of the industry. OMF outperforms 55.56% of its industry peers.
In the last couple of years the Profit Margin of OMF has declined.
OMF has a Operating Margin of 15.10%. This is in the better half of the industry: OMF outperforms 61.11% of its industry peers.
OMF's Operating Margin has declined in the last couple of years.
OMF's Gross Margin of 79.32% 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 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.
The number of shares outstanding for OMF has been reduced compared to 1 year ago.
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 7.69, 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.
The Debt to Equity ratio of OMF (6.63) is worse than 81.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.63 | ||
| Debt/FCF | 7.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.28%
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.
OMF has a better Current ratio (2.91) than 77.78% 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 77.78% 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.
The Revenue has grown by 9.39% 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)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
Based on estimates for the next years, OMF will show a very strong growth in Earnings Per Share. The EPS will grow by 27.84% on average per year.
OMF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.84% yearly.
EPS Next Y32.1%
EPS Next 2Y29.22%
EPS Next 3Y27.84%
EPS Next 5YN/A
Revenue Next Year8.11%
Revenue Next 2Y9.09%
Revenue Next 3Y11.84%
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
Based on the Price/Earnings ratio of 11.07, 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 27.08. OMF is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.58 indicates a rather cheap valuation of OMF.
Based on the Price/Forward Earnings ratio, OMF is valued a bit cheaper than the industry average as 72.22% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, OMF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 7.58 |
4.2 Price Multiples
OMF's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, OMF is valued cheaper than 81.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.56 | ||
| EV/EBITDA | 24.09 |
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.
A more expensive valuation may be justified as OMF's earnings are expected to grow with 27.84% in the coming years.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y29.22%
EPS Next 3Y27.84%
5. Dividend
5.1 Amount
OMF has a Yearly Dividend Yield of 6.75%, which is a nice return.
Compared to an average industry Dividend Yield of 4.17, OMF pays a better dividend. On top of this OMF pays more dividend than 92.59% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, OMF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.75% |
5.2 History
On average, the dividend of OMF grows each year by 6.78%, which is quite nice.
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
75.72% 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.
DP75.72%
EPS Next 2Y29.22%
EPS Next 3Y27.84%
61.86
+0.27 (+0.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners99.51%
Inst Owner Change6.11%
Ins Owners0.25%
Ins Owner Change-1.48%
Market Cap7.35B
Analysts80
Price Target66.38 (7.31%)
Short Float %4.23%
Short Ratio5.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.75% |
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)2.55%
PT rev (3m)9.3%
EPS NQ rev (1m)0.7%
EPS NQ rev (3m)-0.91%
EPS NY rev (1m)4.64%
EPS NY rev (3m)4.61%
Revenue NQ rev (1m)0.35%
Revenue NQ rev (3m)4.04%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)-1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 7.58 | ||
| P/S | 1.23 | ||
| P/FCF | 2.56 | ||
| P/OCF | 2.56 | ||
| P/B | 2.21 | ||
| P/tB | 4.69 | ||
| EV/EBITDA | 24.09 |
EPS(TTM)5.59
EY9.04%
EPS(NY)8.17
Fwd EY13.2%
FCF(TTM)24.13
FCFY39%
OCF(TTM)24.13
OCFY39%
SpS50.48
BVpS27.98
TBVpS13.18
PEG (NY)0.34
PEG (5Y)N/A
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%
ROICexcg growth 3YN/A
ROICexcg 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
WACC7.28%
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 Y32.1%
EPS Next 2Y29.22%
EPS Next 3Y27.84%
EPS Next 5YN/A
Revenue 1Y (TTM)9.39%
Revenue growth 3Y4.79%
Revenue growth 5Y3.65%
Sales Q2Q%10.85%
Revenue Next Year8.11%
Revenue Next 2Y9.09%
Revenue Next 3Y11.84%
Revenue Next 5YN/A
EBIT growth 1Y16.75%
EBIT growth 3Y-27.23%
EBIT growth 5Y-9.16%
EBIT Next Year-43.73%
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%