Stock AnalizOneMain Holdings, Inc. OMF
Finance: Consumer Services · IPO 2013 · data as of November 13, 2026
OneMain Holdings, Inc. (OMF) is a financial company listed in the US with a market value of about $6.3B. In the twelve months to September 30, 2026 it had revenue of $5.2B and net income of $767M, a net margin of 14.7%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 8.4, a price to free cash flow of 2.0, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 194% above the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Profitable 5 years in a row
- ROE above 15%
- Positive free cash flow
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.2B | $4.9B | $4.5B | $4.3B | $4.2B | $4.0B | $3.9B | $3.8B | $3.4B | $2.9B | $3.0B |
| Net income | $767M | $783M | $509M | $641M | $872M | $1.3B | $730M | $855M | $447M | $183M | $215M |
| Free cash flow | $3.2B | $3.1B | $2.7B | $2.5B | $2.4B | $2.2B | $2.2B | $2.4B | $2.0B | $1.6B | $1.3B |
| EPS (diluted) | $6.57 | $6.56 | $4.24 | $5.32 | $7.01 | $9.88 | $5.41 | $6.27 | $3.29 | $1.35 | $1.59 |
| Net margin | 14.7% | 16.0% | 11.3% | 15.0% | 20.9% | 33.2% | 18.9% | 22.6% | 13.3% | 6.2% | 7.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 14 analysts is $66.86, 21% above the current price; targets range from $56.00 to $85.00; the consensus rating is “Buy”; expected EPS is $6.51 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is OneMain’s P/E ratio?
About 8.4, based on the last twelve months of diluted earnings per share (forward P/E about 6.8).
Is OneMain stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 194% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does OneMain pay a dividend?
Yes. The dividend yield is about 7.59%, and it has paid dividends for 7 years in our data.
Is OneMain a good stock to buy?
We do not give buy or sell advice. OneMain scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.