OneMain Holdings, Inc.
OneMain Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $6.2 billion, up 8.56% from fiscal 2024. Dividend growth for five consecutive years, revenue growth for five, operating cash flow growth for five.
Follow OMF
Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | 16.03 | 21.56 | 22.47 | 23.44 | 12.21 | 44.45 | 28.77 | 32.79 | 41.70 | 38.00 |
Analyst estimates 2026–2028 Powerpack |
|||
| High | 41.25 | 33.39 | 37.29 | 44.87 | 48.92 | 63.19 | 55.50 | 49.89 | 57.97 | 70.17 | |||||
| People | |||||||||||||||
| People | Employees | 10,100 | 10,100 | 10,200 | 9,700 | 8,300 | 8,800 | 9,200 | 9,100 | 9,000 | 9,300 | ||||
| Revenue/emp, $m | 0.38 | 0.37 | 0.41 | 0.49 | 0.59 | 0.56 | 0.55 | 0.58 | 0.63 | 0.66 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | 3,883 | 3,756 | 4,232 | 4,749 | 4,894 | 4,895 | 5,064 | 5,299 | 5,688 | 6,175 | ||||
| Gross margin, % | 77.96 | 78.27 | 79.32 | 79.57 | 79.02 | 80.86 | 82.39 | 80.77 | 79.17 | 79.40 | |||||
| EBT | 356 | 431 | 624 | 1,098 | 977 | 1,741 | 1,155 | 840 | 667 | 1,001 | |||||
| EBT margin, % | 9.17 | 11.47 | 14.74 | 23.12 | 19.96 | 35.57 | 22.81 | 15.85 | 11.73 | 16.21 | |||||
| Net income | 243 | 183 | 447 | 855 | 730 | 1,314 | 872 | 641 | 509 | 783 | |||||
| Depreciation | 521 | 328 | 289 | 271 | 264 | 264 | 262 | 257 | 277 | 287 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | 28.82 | 27.77 | 31.19 | 34.90 | 36.33 | 36.90 | 40.78 | 44.02 | 47.54 | 52.04 | ||||
| Earnings | 1.60 | 1.35 | 3.29 | 6.27 | 5.41 | 9.87 | 7.06 | 5.32 | 4.24 | 6.56 | |||||
| Cash flow | 9.81 | 11.50 | 15.08 | 17.36 | 16.42 | 16.94 | 19.22 | 20.93 | 22.56 | 26.39 | |||||
| Capex | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Free cash flow | 9.81 | 11.50 | 15.08 | 17.36 | 16.42 | 16.94 | 19.22 | 20.93 | 22.56 | 26.39 | |||||
| Book value | 22.76 | 24.24 | 28.00 | 31.82 | 25.54 | 23.32 | 24.28 | 26.47 | 26.67 | 28.66 | |||||
| Shares, m | 135 | 135 | 136 | 136 | 135 | 133 | 124 | 120 | 120 | 119 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | 13.44 | 19.20 | 7.38 | 6.73 | 8.87 | 5.08 | 4.70 | 9.29 | 12.29 | 10.28 | ||||
| P/S | 0.80 | 0.95 | 0.78 | 1.21 | 1.33 | 1.36 | 0.81 | 1.12 | 1.10 | 1.30 | |||||
| P/B | 1.02 | 1.09 | 0.87 | 1.32 | 1.89 | 2.15 | 1.36 | 1.87 | 1.95 | 2.36 | |||||
| EV/Sales | 4.25 | 4.69 | 4.20 | 4.57 | 4.50 | 4.87 | 4.32 | 4.67 | 4.79 | 4.83 | |||||
| EV/FCF | 12.33 | 11.22 | 8.63 | 9.13 | 9.88 | 10.54 | 9.11 | 9.76 | 10.03 | 9.47 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | 1,322 | 1,555 | 2,046 | 2,362 | 2,212 | 2,247 | 2,387 | 2,519 | 2,699 | 3,132 | ||||
| Capex | — | — | — | — | — | — | — | — | — | — | |||||
| Free cash flow | 1,322 | 1,555 | 2,046 | 2,362 | 2,212 | 2,247 | 2,387 | 2,519 | 2,699 | 3,132 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | 13,036 | 14,657 | 15,450 | 17,994 | 17,316 | 16,897 | 17,424 | 19,112 | 20,541 | 22,091 | ||||
| Total debt | 13,959 | 15,050 | 15,178 | 17,212 | 17,800 | 17,750 | 18,281 | 19,813 | 21,438 | 22,694 | |||||
| Net debt | 13,380 | 14,063 | 14,499 | 15,985 | 15,528 | 17,209 | 17,783 | 18,799 | 20,980 | 21,780 | |||||
| Shareholders’ equity | 3,066 | 3,278 | 3,799 | 4,330 | 3,441 | 3,093 | 3,015 | 3,186 | 3,191 | 3,401 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | 1.09 | 0.97 | 2.26 | 3.99 | 3.22 | 5.90 | 3.91 | 2.74 | 2.03 | 2.94 | ||||
| ROIC | 1.76 | 1.55 | 2.13 | 3.38 | 3.22 | 5.36 | 3.47 | 2.39 | 1.72 | 2.48 | |||||
| ROE | 7.42 | 5.77 | 12.63 | 21.04 | 18.79 | 40.22 | 28.55 | 20.67 | 15.96 | 23.76 | |||||
OneMain Holdings, Inc. peers in Credit Services
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| CACC Credit Acceptance Corporation | $5.5B | 11.4× | Compare |
| KLAR Klarna Group plc | $4.8B | 0.0× | Compare |
| FCFS FirstCash Holdings, Inc. | $9.1B | 24.0× | Compare |
| NNI Nelnet, Inc. | $4.4B | 14.8× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ENVA Enova International, Inc. | $4.3B | 12.1× | Compare |
| SLM SLM Corporation | $4.3B | 6.3× | Compare |
| SEZL Sezzle Inc. | $3.6B | 22.8× | Compare |
| BFH Bread Financial Holdings, Inc. | $3.7B | 7.6× | Compare |
OneMain Holdings, Inc. (OMF) key facts
- OneMain Holdings, Inc. (OMF) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
- OneMain Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $6.2 billion, up 8.56% from fiscal 2024.
- Net income was $783.0 million, or $6.56 per share (basic), a net margin of 12.7%.
- As of October 5, 2026, OMF traded at $56.24, a market capitalization of $6.4 billion.
- At that price the stock trades at 8.4× trailing-twelve-month earnings and 1.0× sales; its P/E is higher than 44% of its own readings over the past ten years.
- OneMain Holdings, Inc. pays an annual dividend of $4.20 per share, a yield of 7.50%, with a payout ratio of 63.3%.
- Return on equity was 23.8% and debt-to-equity 6.73.
OneMain Holdings, Inc. (OMF) Latest News
7 Aug
OneMain Holdings released its Q2 2026 earnings via conference call transcript covering financial results, management commentary and outlook.
6 Aug
OneMain Holdings beat Q2 revenue expectations, prompting analysis on whether its shares trade below fair value.
4 Aug
OneMain Holdings reported Q2 growth driven by product innovations and improved credit quality metrics that strengthened core lending operations and competitive positioning.
30 Jul
OneMain Holdings posts Q2 earnings matching expectations. Shares rise as net interest income increases year over year.
OneMain Holdings reported Q2 earnings highlights including financial results, operational metrics and forward outlook for its consumer lending business.
29 Jul
OneMain Holdings held its Q2 2026 earnings call covering quarterly financial results, operations and forward outlook.
OneMain Holdings Inc (OMF) reported strong receivables growth during its Q2 2026 earnings call.
OneMain Holdings (OMF) reported Q2 earnings with key metrics compared against estimates.
OneMain Holdings reported Q2 CY2026 sales above analyst estimates.
OneMain Holdings, Inc. reported its second quarter 2026 financial results.
28 Jul
OneMain Holdings prepares to report Q2 earnings with focus on consumer lending volumes, interest rate effects, credit quality trends and overall profitability outlook.
22 Jul
OneMain Holdings (OMF) Q2 earnings are projected to decline from prior periods.
30 Jun
OneMain Holdings reports Q1 earnings, triggering buy, sell or hold analysis for OMF stock.
14 May
OneMain Holdings weighs uncertainty surrounding its bank application against its 2026 strategic plan and current valuation.
11 May
OneMain Holdings' Q1 earnings call spotlighted top five analyst questions on performance, strategy, lending trends, and future outlook.
4 May
RBC reports OneMain Holdings' Q1 consumer loan credit performance exceeded pre-pandemic patterns.
OneMain Holdings beat Q1 earnings estimates as net interest income rose year-over-year, but shares fell 3.7%.
3 May
OneMain Holdings (OMF) Q1 results highlight growth in personal loans, cards, and auto lending amid credit normalization.
2 May
OneMain Holdings Inc (OMF) Q1 2026 earnings call highlights strong revenue growth.
OneMain Holdings, Inc. (OMF) released highlights from its Q1 earnings call, covering financial results, portfolio performance, and forward guidance.
1 May
OneMain Holdings, Inc. released Q1 2026 earnings call summary detailing quarterly financial performance, loan originations, credit quality, and outlook amid economic conditions.
OneMain Holdings (OMF) Q1 earnings compared to analyst estimates, with analysis of key metrics including revenue, EPS, and other financial indicators.
OneMain Holdings (OMF) beat Q1 earnings estimates, reporting stronger-than-expected results driven by solid loan originations and net interest income.
OneMain Holdings, Inc. reported first quarter 2026 results.
24 Apr
OneMain Holdings (OMF) is set to exceed earnings estimates again, supported by Zacks Rank #2 (Buy), positive Earnings ESP, history of surprises, robust loan originations, and improving credit quality amid economic resilience.
OneMain Holdings (OMF) anticipates earnings growth driven by positive analyst revisions, year-over-year EPS increase, and favorable industry comparisons, prompting buy consideration ahead of the upcoming report.
13 Apr
OneMain Holdings (OMF) Q4 earnings spark buy, sell, or hold debate amid analysis of financial results, guidance, and market outlook.
30 Mar
OneMain Holdings (OMF) narrative shifts amid mixed analyst price targets and emerging legal risks.
17 Mar
OneMain Holdings (OMF) delivers earnings growth and adopts AI initiatives, fundamentally reshaping its secured lending operations and profile.
OneMain Holdings, Inc. (OMF) faces a multi-state lawsuit alleging it hid loan costs from customers, potentially leading to penalties, settlements, and reputational damage.