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OneMain Holdings, Inc.

OMF

Financial Credit Services

OneMain Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $6.2 billion, up 8.56% from fiscal 2024.

Revenue
+9.52%
EPS
−4.19%
Free cash flow
−2.42%
Total debt
+7.77%

Quarter to September 2026, against a year earlier

55.35 0.97 +1.78%
Market cap
$6.2B
P/E
8.4×
Fwd P/E
8.4×
Dividend yield
7.59%
F-score
n/a
ROIC
2.29%
Net debt / EBITDA
0.0×
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Latest quarter Q3 FY2026 · quarter to September 2026

Reported 30 Oct 2026

Line Q3 FY26 On Q3 FY25 Against consensus
Revenue $1.7B on Q3 FY25 +9.52% Beat by 1.51%consensus $1.1B
EPS, diluted $1.60 on Q3 FY25 −4.19% Missed by $0.05adjusted $1.51 v $1.56

The consensus is analysts’ estimate of revenue and of adjusted EPS. Free cash flow is operating cash flow less capital expenditures.

Revenue growth on a year earlier

Revenue growth has picked up two quarters running, from 6% to 10%.

Revenue growth on a year earlier, by quarter
Q4 FY248%
Q1 FY2511%
Q2 FY259%
Q3 FY256%
Q4 FY259%
Q1 FY266%
Q2 FY267%
Q3 FY2610%

Reports 4 Feb 2027 · Q4 FY26 · consensus EPS $1.80

All quarters →

Capital & Financial Ratios $m

Size
Market Cap 6,220
Revenue ttm 6,520
Net income ttm 767
Free cash flow ttm 3,212
Net debt Q 23,138
Valuation
P/E 8.4
Forward P/E 8.4
Price / sales 1.0
Forward P/S Powerpack
Price / FCF 2.0
Price / book 1.9
Financial health
Current ratio Q 0.0
Debt / equity Q 7.1
Interest coverage Q —
Growth
EPS, this year −2.2% (below 0%: weak)
EPS, next year A +25.4% (at or above 15%: strong)
Revenue, next year A −14.2% (below 0%: weak)
EPS, next 5 yrs A +11.8%
Compound annual growth
10y 5y 3y
Sales 10.91% 4.76% 6.84%
Cash Flow 15.50% 7.20% 9.48%
Earnings 0.00% 1.41% (3.52%)
Book Value 2.22% (0.23%) 4.10%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates; n/m is not meaningful, as a P/E on a loss. How we judge →

Valuation

The price implies the dividend a share growing 0.0% a year for ten years.

Implied
0.0%
Open the model
P/E against its own 10 years 43.61%
10-year low 10-year high
P/S against its own 10 years 27.30%
10-year low 10-year high
P/B against its own 10 years 69.85%
10-year low 10-year high

Dividends raised every year since 2019

Yield
7.59%
Annual rate
4.20
Payout ratio
63.9%
Growth, 2019–26
+22.8%/yr
  1. 1.00 ’19
  2. 1.11 ’20 +11
  3. 1.85 ’21 +67
  4. 3.80 ’22 +105
  5. 4.00 ’23 +5
  6. 4.12 ’24 +3
  7. 4.17 ’25 +1
  8. 4.20 ’26 +1
paid change on the year, % Powerpack

Target Price Range

Analyst price targets

Recommendation Rating

1.9
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
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 6,520 +5.3% 5,295 5,716 6,223 +0.3%
Gross margin, % 77.96 78.27 79.32 79.57 79.02 80.86 82.39 80.77 79.17 79.40 79.82 +1.4 pt
EBT 356 431 624 1,098 977 1,741 1,155 840 667 1,001 974 +12.2%
EBT margin, % 9.17 11.47 14.74 23.12 19.96 35.57 22.81 15.85 11.73 16.21 14.94 +7.0 pt
Net income 243 183 447 855 730 1,314 872 641 509 783 767 +13.9%
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 56.76 +6.8%
Earnings 1.60 1.35 3.29 6.27 5.41 9.87 7.06 5.32 4.24 6.56 6.57 +17.0%
Cash flow 9.81 11.50 15.08 17.36 16.42 16.94 19.22 20.93 22.56 26.39 27.96 +11.6%
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 n/m
Free cash flow 9.81 11.50 15.08 17.36 16.42 16.94 19.22 20.93 22.56 26.39 27.96 +11.6%
Book value 22.76 24.24 28.00 31.82 25.54 23.32 24.28 26.47 26.67 28.66 29.52 +2.6%
Shares, m 135 135 136 136 135 133 124 120 120 119 116 (1.4%)
Valuation, ×
Valuation, × P/E 13.44 19.20 7.38 6.73 8.87 5.08 4.70 9.29 12.29 10.28 8.42 9.7
P/S 0.80 0.95 0.78 1.21 1.33 1.36 0.81 1.12 1.10 1.30 0.97 1.1
P/B 1.02 1.09 0.87 1.32 1.89 2.15 1.36 1.87 1.95 2.36 1.87 1.6
EV/Sales 4.25 4.69 4.20 4.57 4.50 4.87 4.32 4.67 4.79 4.83 — 4.6
EV/FCF 12.33 11.22 8.63 9.13 9.88 10.54 9.11 9.76 10.03 9.47 — 10.0
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 3,212 +10.1%
Capex — — — — — — — — — — 16 —
Free cash flow 1,322 1,555 2,046 2,362 2,212 2,247 2,387 2,519 2,699 3,132 3,212 +10.1%
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 23,315 +6.0%
Net debt 13,380 14,063 14,499 15,985 15,528 17,209 17,783 18,799 20,980 21,780 23,138 +5.6%
Shareholders’ equity 3,066 3,278 3,799 4,330 3,441 3,093 3,015 3,186 3,191 3,401 3,391 +1.2%
Returns, %
Returns, % ROA 1.09 0.97 2.26 3.99 3.22 5.90 3.91 2.74 2.03 2.94 2.75 +1.8 pt
ROIC 1.76 1.55 2.13 3.38 3.22 5.36 3.47 2.39 1.72 2.48 2.29 +0.7 pt
ROE 7.42 5.77 12.63 21.04 18.79 40.22 28.55 20.67 15.96 23.76 22.66 +16.3 pt
People
People Employees 10,100 10,100 10,200 9,700 8,300 8,800 9,200 9,100 9,000 9,300 — (0.9%)
Revenue/emp, $m 0.38 0.37 0.41 0.49 0.59 0.56 0.55 0.58 0.63 0.66 — +6.3%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Business profile

Updated

OneMain Holdings is a consumer finance company serving people who typically have limited access to credit from banks and other lenders. Its chairman and chief executive officer is Douglas H. Shulman. OneMain originates and services personal loans and auto financing, offers credit cards, and sells optional insurance and other products.

Its personal loans provide cash for customers’ needs. They have fixed interest rates and terms generally between three and six years. Some are secured by a vehicle or other titled property, while others are unsecured. Auto financing consists of fixed-rate loans secured by vehicles and arranged through dealerships when customers buy a car.

OneMain Holdings, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ALLY Ally Financial Inc. $11.4B 8.7× 8.1× +4.53% (above 0%: growing) +10.92% (above 0%: growing) +32.70% (above 0%: growing) 62.76% 0.00% Compare
FCFS FirstCash Holdings, Inc. $7.8B 20.0× 19.0× +17.70% (above 0%: growing) +25.27% (above 0%: growing) −12.69% (below 0%: shrinking) 49.54% 15.77% Compare
KLAR Klarna Group plc $7.2B — (loss-making) 8.2× +26.61% (above 0%: growing) n/m −129.24% (below 0%: shrinking) 61.23% 2.59% Compare
OMF OneMain Holdings, Inc. $6.2B 8.4× 8.4× +9.52% (above 0%: growing) −4.19% (below 0%: shrinking) −2.42% (below 0%: shrinking) 79.74% 0.00%
SEZL Sezzle Inc. $5.2B 28.9× 28.2× +42.56% (above 0%: growing) +81.82% (above 0%: growing) +514.51% (above 0%: growing) 85.08% 38.59% Compare
CACC Credit Acceptance Corporation $5.1B 16.2× 15.0× +2.09% (above 0%: growing) n/m +11.81% (above 0%: growing) 100.00% 8.63% Compare
NNI Nelnet, Inc. $4.4B 18.2× 16.9× −0.77% (below 0%: shrinking) −46.68% (below 0%: shrinking) +566.82% (above 0%: growing) 80.22% 0.00% Compare
ENVA Enova International, Inc. $4.1B 11.0× 10.8× +25.73% (above 0%: growing) +33.85% (above 0%: growing) +11.38% (above 0%: growing) 60.88% 24.50% Compare
BFH Bread Financial Holdings, Inc. $3.7B 7.6× 7.6× +2.96% (above 0%: growing) −1.26% (below 0%: shrinking) +0.17% (above 0%: growing) 100.00% 76.97% Compare
Median of peers $5.2B 16.2× 12.9× +11.12% +18.10% +11.60% 71.49% 12.20%

All 53 Credit Services stocks →

From the latest earnings call

Updated

  • CEO Douglas Shulman said personal-loan innovations and expansion in auto finance and credit cards supported growth while OneMain maintained its underwriting standards.
  • CFO Jeannette Osterhout said declining delinquencies supported expectations for lower year-over-year losses in the fourth quarter and into 2027.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 94.06%
Held by the ten largest 52.01%
Holder Shares Stake Change
Vanguard 11.69m 10.16% −37.11k
BlackRock 10.40m 9.04% +385.03k
Brave Warrior Advisors, LLC 7.59m 6.59% −118.15k
AQR Capital Management 6.28m 5.46% +2.99m
Capital Group 5.71m 4.97% −8.21k
Dimensional Fund Advisors 4.47m 3.88% +125.04k
Goldman Sachs 4.19m 3.64% +185.49k
Fidelity (FMR) 3.70m 3.22% −1.52m
FIDUCIARY MANAGEMENT INC /WI/ 3.08m 2.68% +397.25k
Jupiter Topco 2.72m 2.37% +2.72m
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 29 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 15.07m 28.36m 236.43
2024 11.32m 11.40m 169.17
2023 15.45m 19.41m 146.86
2022 10.83m 3.75m 90.06
2021 21.72m 39.61m 123.64
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

OneMain Holdings, Inc. (OMF) Latest News

What happened

Share price over the fortnight −3.5%
  1. Results OneMain Holdings reported third-quarter net income of $185 million, while adjusted EPS missed expectations and shares fell after the results.
18 more headlines
All OMF news, as stories →

OMF metrics, ten years each

stockrow.com/OMF · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com