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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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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| FCFS FirstCash Holdings, Inc. | $9.1B | 24.1× | Compare |
| NNI Nelnet, Inc. | $4.4B | 15.0× | Compare |
| Company | Market cap | P/E | Compare |
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| 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 |
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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
4 Aug
OneMain Holdings reported Q2 growth driven by product innovations and improved credit quality metrics that strengthened core lending operations and competitive positioning.
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.
14 May
OneMain Holdings weighs uncertainty surrounding its bank application against its 2026 strategic plan and current valuation.
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.
17 Mar
OneMain Holdings (OMF) delivers earnings growth and adopts AI initiatives, fundamentally reshaping its secured lending operations and profile.
6 Feb
OneMain Holdings, Inc. reported its Q4 earnings, highlighting strong financial performance with increased revenue and net income. The company emphasized its strategic initiatives aimed at enhancing customer experience and expanding its market presence. Management provided insights into future growth opportunities and addressed potential challenges in the lending environment. Overall, the earnings call reflected a positive outlook for the company moving forward.
5 Feb
OneMain Holdings, Inc. reported strong earnings per share (EPS) growth in Q4 2025, highlighting strategic initiatives that contributed to its financial performance. The company emphasized its focus on expanding its market presence and enhancing customer engagement, which are expected to drive future growth. Management provided insights into operational efficiencies and risk management strategies that support its competitive positioning in the market.
OneMain Holdings, Inc. reported its Q4 2025 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in revenue and net income, driven by an increase in loan originations and improved credit quality. Management discussed plans for expanding product offerings and enhancing customer engagement. The earnings call also addressed market conditions and competitive positioning, emphasizing a commitment to operational efficiency and risk management. Overall, the results reflect a positive outlook for the company's future performance.
OneMain Holdings, Inc. (OMF) reported Q4 earnings and revenues that exceeded analysts' expectations, showcasing strong financial performance. The company attributed its success to effective cost management and a robust loan portfolio. This positive outcome reflects OneMain's resilience in a challenging economic environment and positions it favorably for future growth.
OneMain Holdings, Inc. (NYSE: OMF) reported Q4 CY2025 sales that exceeded analysts' estimates, indicating strong performance in the financial services sector. The company's results reflect effective strategies and robust demand for its offerings, contributing positively to investor sentiment and market confidence.
OneMain Holdings, Inc. reported its Q4 earnings, showcasing a notable performance with increased revenue and improved net income compared to the previous quarter. The company highlighted its strategic initiatives aimed at enhancing customer engagement and expanding its market presence. Analysts expressed optimism regarding OneMain's growth trajectory, citing effective cost management and a robust loan portfolio as key factors contributing to its financial stability. The outlook for the upcoming quarters remains positive, with expectations for continued growth driven by favorable market conditions and operational efficiencies.
OneMain Holdings, Inc. reported its fourth quarter 2025 results, highlighting key financial metrics and operational performance. The company demonstrated growth in revenue and net income compared to the previous quarter, driven by increased loan originations and improved credit quality. Management provided insights into strategic initiatives aimed at enhancing customer experience and expanding market reach. The outlook for 2026 appears optimistic, with expectations for continued growth and profitability.
12 Jan
OneMain Holdings, Inc. (OMF) stock is experiencing a significant decline due to disappointing earnings results and a bleak outlook for the upcoming quarter. The company reported lower-than-expected revenues and increased provisions for credit losses, raising concerns about its financial health. Analysts are worried about the impact of rising interest rates on the company's lending business, which could further strain profitability. As a result, investor sentiment has soured, leading to a sharp drop in stock price.
24 Dec
OneMain Holdings, Inc. (OMF) is highlighted as a top financial stock to buy, indicating strong potential for growth and performance. In contrast, two other financial stocks are recommended for rejection, suggesting they may not offer the same investment appeal or stability. The analysis emphasizes OMF's favorable position in the market.
16 Dec
OneMain Holdings, Inc. (OMF) is highlighted among three consumer loan stocks to consider for 2026, driven by lower interest rates that could enhance profitability. The article emphasizes the potential for growth in the consumer lending sector as rates decrease, making it an opportune time for investors to explore stocks like OMF. The focus is on how these conditions may lead to increased demand for personal loans, benefiting companies in this space.
22 Nov
OneMain Holdings, Inc. is experiencing increased value following recent regulatory updates and strong price gains projected for 2025. The company is adapting to changes in the regulatory landscape, which may enhance its market position and investor confidence. Analysts are optimistic about OneMain's future performance, suggesting that these developments could lead to significant growth opportunities.
20 Nov
OneMain Holdings, Inc. (OMF) has seen a 17.8% increase in its stock price over the past six months, driven by strong financial performance and strategic initiatives. Analysts suggest that investors should consider the stock's potential for further growth, particularly in light of favorable market conditions and the company's focus on expanding its lending services. The outlook remains positive, with recommendations for both short-term and long-term investment strategies.
11 Nov
OneMain Holdings, Inc. faces significant risks due to high debt levels, regulatory scrutiny, and competition in the consumer finance sector. These factors could adversely affect its financial stability and growth prospects. Investors are advised to consider alternative stocks that may offer better opportunities in the current market environment.
8 Nov
OneMain Holdings, Inc. announced a dividend hike and a new $1 billion share buyback program, signaling confidence in its financial health and commitment to returning value to shareholders. These strategic moves could enhance investor sentiment and potentially improve the company's market performance.
3 Nov
OneMain Holdings, Inc. reported Q3 earnings that exceeded estimates, driven by an increase in net interest income (NII). The positive financial results led to a rise in the company's stock price, reflecting strong performance and investor confidence.
OneMain Holdings, Inc. reported strong Q3 results driven by improved consumer credit quality, growth in card offerings, and effective capital allocation strategies. The company highlighted its focus on expanding its credit card portfolio while maintaining robust credit performance, which has positively influenced its financial metrics. Additionally, strategic capital allocation decisions have positioned OneMain for sustained growth in a competitive market.
2 Nov
OneMain Holdings, Inc. reported its Q3 2025 earnings, highlighting a strong performance driven by increased loan originations and improved credit quality. The company emphasized its strategic focus on expanding its customer base and enhancing operational efficiency. Management provided guidance for the upcoming quarters, indicating optimism about market conditions and potential growth opportunities. Key metrics showed positive trends, with a notable increase in revenue and net income compared to the previous year. The earnings call also addressed challenges in the lending environment and the company's proactive measures to mitigate risks.
31 Oct
OneMain Holdings, Inc. (OMF) reported strong revenue growth in its Q3 2025 earnings call, highlighting improved financial performance and strategic initiatives that are expected to enhance its market position. The company emphasized its focus on expanding customer access to services and optimizing operational efficiencies, which contributed to positive investor sentiment.