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.
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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 |
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| 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
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|---|---|---|---|
| CACC Credit Acceptance Corporation | $5.5B | 11.5× | Compare |
| KLAR Klarna Group plc | $4.8B | 0.0× | Compare |
| FCFS FirstCash Holdings, Inc. | $9.1B | 24.1× | Compare |
| NNI Nelnet, Inc. | $4.4B | 15.0× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ENVA Enova International, Inc. | $4.3B | 12.5× | Compare |
| SLM SLM Corporation | $4.3B | 6.3× | Compare |
| BFH Bread Financial Holdings, Inc. | $3.7B | 7.7× | Compare |
| SEZL Sezzle Inc. | $3.6B | 23.5× | 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 8.5× trailing-twelve-month earnings and 1.0× sales; its P/E is higher than 45% of its own readings over the past ten years.
- OneMain Holdings, Inc. pays an annual dividend of $4.20 per share, a yield of 7.47%, 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
1 Oct
Two financials stocks worth attention and one to turn down: OneMain Holdings (OMF) is flagged as a sell, while Affiliated Managers Group (AMG) and StoneX Group (SNEX) are pitched as buys. OMF, formerly Springleaf, provides personal loans, auto financing, and credit cards to nonprime customers with limited access to traditional banking. Growth concerns appear: 5-year revenue CAGR of 5.5% trails peers, and EPS has declined about 9.3% per year while revenue rises, implying thinning margins. OMF trades around $55.51, implying a forward P/E of roughly 7.3x. AMG is highlighted for share repurchases and EPS growth of 23.7% over two years; SNEX shows 36% revenue growth and 40% EPS growth over two years, plus 17.1% tangible book value per share growth over five years. Free research reports accompany each idea.
8 Sep
OneMain Holdings, Inc. (OMF) will present at the Barclays Global Financial Services Conference.
3 Sep
OneMain Holdings faces three reasons for investors to avoid the stock, with one alternative company recommended instead.
10 Aug
OneMain Holdings Inc maintains its dividend program with specified yield, payout ratio and frequency based on recent financial review and shareholder return focus.
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.
5 Aug
KBRA assigns preliminary ratings to OneMain Financial Issuance Trust 2026-3.
KBRA assigns preliminary ratings to OneMain Financial Issuance Trust 2026-2.
CACC posted Q2 earnings beat driven by lower expenses and provisions alongside higher revenues.
4 Aug
OneMain Holdings reported Q2 growth driven by product innovations and improved credit quality metrics that strengthened core lending operations and competitive positioning.
31 Jul
Enova reports accelerating growth in small and medium business lending as credit demand holds steady.
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.
OneMain Holdings (OMF) reported Q2 earnings that met analyst estimates.
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.
25 Jul
OneMain Holdings (OMF) stock appears undervalued on fair value metrics but registers mixed results on broader evaluation criteria.
24 Jul
Sallie Mae posted Q2 earnings below estimates. Net interest income declined and expenses increased year over year.
22 Jul
OneMain Holdings (OMF) Q2 earnings are projected to decline from prior periods.
Ally Financial stock fell 2.4% after Q2 earnings missed estimates due to elevated provisions and operating costs.
8 Jul
OneMain Holdings, Inc. (OMF) announced the date of its second quarter 2026 earnings release and conference call.
3 Jul
OMF ranks among three Miller-style stocks positioned as contrarian bets offering steady income to retirees.
30 Jun
OneMain Holdings reports Q1 earnings, triggering buy, sell or hold analysis for OMF stock.
29 Jun
OneMain Holdings (OMF) dividends are positioned as a way for investors to directly fund household expenses such as home maintenance and cleaning services.
6 Jun
Market analysis shows OneMain Holdings (OMF) undervalued by 18.3%.
3 Jun
KBRA assigns preliminary ratings to OneMain Financial Issuance Trust 2026-1.