OneMain Holdings, Inc. (OMF)

Price$54.76

Value ScoreB

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-20.25%

Price vs S&P 500 (4W)-7.23%

VGM Score52.83

Market Capitalization$6.39B

P/E Ratio (Annual)8.16x

Indicated Dividend Yield (Annual)7.59%

All Metrics

P/CF (Annual)2.04x

Book Value / Share (Quarterly)$29.21

P/TBV (Annual)2.55x

Indicated Dividend (Annual)$4.20

Revenue Growth (3Y)7.03%

Cash Flow / Share (Quarterly)$27.73

Payout Ratio (TTM)62.94%

Price vs S&P 500 (YTD)-29.05%

Gross Margin (TTM)79.77%

Net Profit Margin (TTM)12.58%

EPS (TTM)$6.72

10-Day Avg Trading Volume1.11M

EPS Excl Extra (TTM)$6.72

Revenue Growth (5Y)4.82%

EPS (Annual)$6.57

Dividend / Share (Annual)$4.22

ROI (Annual)3.00%

Gross Margin (Annual)79.62%

Net Profit Margin (5Y Avg)15.44%

Cash / Share (Quarterly)$7.21

P/E Basic Excl Extra (TTM)8.03x

Revenue Growth QoQ (YoY)5.73%

EPS Growth (5Y)3.94%

P/E Normalized (Annual)8.16x

ROA (Last FY)2.86%

Revenue Growth TTM (YoY)7.79%

EBITD / Share (TTM)$11.07

ROE (5Y Avg)26.11%

Operating Margin (TTM)16.15%

Cash Flow / Share (Annual)$26.72

P/B Ratio1.89x

P/B Ratio (Quarterly)1.86x

Net Income / Employee (Annual)$84,200

EV / Revenue (TTM)4.42x

ROA (TTM)2.95%

EPS Growth QoQ (YoY)8.54%

EV / EBITDA (TTM)21.29x

EPS Incl Extra (Annual)$6.57

Current Ratio (Annual)7.19x

Quick Ratio (Quarterly)3.18x

3-Month Avg Trading Volume1.48M

52-Week Price Return5.41%

EV / Free Cash Flow (Annual)8.92x

P/E Incl Extra (TTM)8.03x

Revenue / Employee (TTM)$680,300

Tangible BV / Share (Quarterly)$26.78

P/S Ratio (Annual)1.02x

Asset Turnover (Annual)0.23x

52-Week High$71.93

Operating Margin (5Y Avg)20.28%

EPS Excl Extra (Annual)$6.57

Tangible BV CAGR (5Y)-0.10%

26-Week Price Return-4.32%

Quick Ratio (Annual)7.19x

13-Week Price Return-4.34%

Total Debt / Equity (Annual)6.67x

Current Ratio (Quarterly)3.18x

Enterprise Value$27.95B

Revenue / Share Growth (5Y)7.43%

Asset Turnover (TTM)0.23x

Book Value / Share Growth (5Y)2.48%

Revenue / Employee (Annual)$671,200

Pretax Margin (Annual)16.04%

Cash / Share (Annual)$7.80

3-Month Return Std Dev30.65%

Gross Margin (5Y Avg)80.66%

Net Income / Employee (TTM)$85,600

EBITDA CAGR (5Y)0.75%

EBITDA Interim CAGR (5Y)-9.43%

ROE (Last FY)23.02%

EPS Basic Excl Extra (Annual)$6.57

P/FCF (TTM)1.99x

Receivables Turnover (TTM)372.64x

EV / Free Cash Flow (TTM)8.72x

Total Debt / Equity (Quarterly)6.63x

EPS Incl Extra (TTM)$6.72

Receivables Turnover (Annual)377.11x

ROI (TTM)3.09%

Dividend Growth Rate (5Y)-6.71%

P/S Ratio (TTM)1.01x

Pretax Margin (5Y Avg)20.28%

Revenue / Share (Annual)$52.34

Tangible BV / Share (Annual)$26.61

Forward P/E7.05x

Free OCF CAGR (5Y)7.20%

Price vs S&P 500 (52W)-22.79%

P/E Ratio (TTM)8.03x

EPS Growth TTM (YoY)42.17%

Year-to-Date Return-18.12%

5-Day Price Return3.42%

EPS Normalized (Annual)$6.57

ROA (5Y Avg)3.46%

Net Profit Margin (Annual)12.54%

Month-to-Date Return-5.89%

Cash Flow / Share (TTM)$7.61

EBITD / Share (Annual)$10.80

EPS Growth (3Y)-2.38%

Operating Margin (Annual)16.04%

LT Debt / Equity (Annual)6.67x

P/CF (TTM)1.99x

ROI (5Y Avg)3.66%

P/E Excl Extra (TTM)8.03x

LT Debt / Equity (Quarterly)6.63x

EPS Basic Excl Extra (TTM)$6.72

P/TBV (Quarterly)2.02x

Payout Ratio (Annual)63.73%

P/B Ratio (Annual)2.34x

Dividend / Share (TTM)$4.27

Pretax Margin (TTM)16.15%

Book Value / Share (Annual)$29.02

Price vs S&P 500 (13W)-14.09%

Net Margin Growth (5Y)-3.26%

Dividend Yield (TTM)7.84%

Beta1.22x

P/FCF (Annual)2.04x

Revenue / Share (TTM)$53.95

ROE (TTM)23.62%

52-Week Low$45.78

vGradeB

gGradeC

mGradeC

vgmGradeC

Show chart for

Earnings Surprise History

Q1 261.95est. 1.89

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

3.85

3.79

Industry Peers — Personal Credit Institutions(14)

Symbol	Value Score	Growth Score	Momentum Score	Price
OMFOneMain Holdings, Inc.	B	C	C	$54.76
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	A	$72.91
CACCCredit Acceptance Corp	C	C	B	$561.66
NNINelnet, Inc. Class A	C	C	C	$129.16
SLMSLM Corporation	C	C	C	$22.06
ENVAEnova International, Inc.	C	C	B	$164.33
BFHBread Financial Holdings, Inc.	B	C	B	$89.39
LCLendingClub Corporation	C	C	B	$18.39
ATLCAtlanticus Holdings Corporation	C	C	A	$82.61
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	C	A	$25.15
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	C	A	$25.71

About

OneMain Holdings is a consumer finance company providing personal loans, auto financing, and credit cards to non-prime customers through its branch network and digital platform. The company originates, underwrites, and services these loans while offering optional credit insurance and financial wellness programs. OneMain's single operating segment focuses on delivering accessible credit products to underserved consumers.