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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. Dividend growth for five consecutive years, revenue growth for five, operating cash flow growth for five.

56.24 0.22 +0.39%
Market cap
$6.4B
P/E
8.5×
Dividend yield
7.47%
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total sells 7.86
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 3 — 1 1 — 1 — 2 1 1 — —
Insider Ownership 1.09%

Capital & Financial Ratios $m

Market Cap 6,440.00
Revenue 6,372.00
Net Income 781.00
Free Cash Flow 3,232.00
Net Debt 22,202.00
Current Ratio 0.00
Debt/Equity 6.73
P/E ratio 8.47
P/S ratio 1.02
P/B ratio 1.92
Past 5Y EPS Growth 3.93%
This Y EPS Growth 2.82%
Next Y EPS Growth 24.41%
Next 5Y EPS Growth 13.45%

Scores & Valuation vs History

P/E against its own 10 years 44.78%
10-year low 10-year high
P/S against its own 10 years 35.21%
10-year low 10-year high
P/B against its own 10 years 74.30%
10-year low 10-year high

Dividends

Payout Ratio 0.63
Annual Dividend Rate 4.20
Annual Dividend Yield 7.47%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 4.20
1.05
1.05
1.05
2025 4.17
1.04
1.04
1.04
1.05
2024 4.12
1.00
1.04
1.04
1.04
2023 4.00
1.00
1.00
1.00
1.00
2022 3.80
0.95
0.95
0.95
0.95
2021 1.85
0.45
0.70
3.50
0.70
2020 1.11
2.50
0.33
0.33
0.45
2019 1.00
0.25
0.25
0.25
0.25
2018 Powerpack
2017 Powerpack
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,014 458 914 567
Receivables — — — —
Inventory — — — —
Other — — — —
19,112 20,541 22,091 21,997
2023 2024 2025 2026
Payables — — — —
ST’ Debt — — — —
Other — — — —
— — — —

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%

Revenue $m

Mar Jun Sep Dec Year
’26 1,584 1,624 — — —
’25 1,496 1,515 1,555 1,609 6,175
’24 1,353 1,393 1,464 1,478 5,688
’23 1,271 1,302 1,352 1,374 5,299
’22 1,251 1,234 1,288 1,291 5,064
’21 1,151 1,221 1,268 1,255 4,895
’20 1,247 1,225 1,190 1,232 4,894
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 739 800 — — —
’25 665 774 828 865 3,132
’24 558 711 678 752 2,699
’23 562 683 596 678 2,519
’22 553 625 545 664 2,387
’21 556 574 509 608 2,247
’20 565 639 425 583 2,212
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 739 800 — — —
’25 665 774 828 865 3,132
’24 558 711 678 752 2,699
’23 562 683 596 678 2,519
’22 553 625 545 664 2,387
’21 556 574 509 608 2,247
’20 565 639 425 583 2,212
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 1.93 1.32 — — —
’25 1.78 1.40 1.67 1.72 6.56
’24 1.29 0.59 1.31 1.05 4.24
’23 1.48 0.85 1.61 1.38 5.32
’22 2.36 1.68 1.52 1.48 7.06
’21 3.06 2.60 2.17 2.02 9.87
’20 0.24 0.66 1.86 2.67 5.41
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten 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
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

OneMain Holdings, Inc. peers in Credit Services

All 55 Credit Services stocks →

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.

Source: company filings (standardised) and stockrow calculations.

OneMain Holdings, Inc. (OMF) Latest News

4 Aug

Impact 4 ·

OneMain Holdings reported Q2 growth driven by product innovations and improved credit quality metrics that strengthened core lending operations and competitive positioning.

29 Jul

Impact 4 · transcript

OneMain Holdings held its Q2 2026 earnings call covering quarterly financial results, operations and forward outlook.

Impact 4 · transcript

OneMain Holdings Inc (OMF) reported strong receivables growth during its Q2 2026 earnings call.

14 May

Impact 4 ·

OneMain Holdings weighs uncertainty surrounding its bank application against its 2026 strategic plan and current valuation.

3 May

Impact 4 ·

OneMain Holdings (OMF) Q1 results highlight growth in personal loans, cards, and auto lending amid credit normalization.

2 May

Impact 4 ·

OneMain Holdings Inc (OMF) Q1 2026 earnings call highlights strong revenue growth.

Impact 4 ·

OneMain Holdings, Inc. (OMF) released highlights from its Q1 earnings call, covering financial results, portfolio performance, and forward guidance.

1 May

Impact 4 ·

OneMain Holdings, Inc. released Q1 2026 earnings call summary detailing quarterly financial performance, loan originations, credit quality, and outlook amid economic conditions.

Impact 4 ·

OneMain Holdings (OMF) Q1 earnings compared to analyst estimates, with analysis of key metrics including revenue, EPS, and other financial indicators.

Impact 4 ·

OneMain Holdings (OMF) beat Q1 earnings estimates, reporting stronger-than-expected results driven by solid loan originations and net interest income.

Impact 4 ·

OneMain Holdings, Inc. reported first quarter 2026 results.

17 Mar

Impact 4 ·

OneMain Holdings (OMF) delivers earnings growth and adopts AI initiatives, fundamentally reshaping its secured lending operations and profile.

6 Feb

Impact 4 · transcript

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

Impact 4 ·

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.

Impact 4 · transcript

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.

Impact 4 ·

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.

Impact 4 ·

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.

Impact 4 ·

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.

Impact 4 ·

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

Impact 4 ·

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

Impact 4 ·

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

Impact 4 ·

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

Impact 4 ·

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

Impact 4 ·

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

Impact 4 ·

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

Impact 4 ·

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

Impact 4 ·

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.

Impact 4 ·

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

Impact 4 · transcript

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

Impact 4 · transcript

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.

stockrow.com/OMF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com