OMF
OneMain Holdings, Inc.
Next earnings Jul 23, 2026 (before open) · consensus $1.42 EPS, $1.25B rev
Last earnings -3.7% on 2026-05-01
$59.50
▼ -4.57%$59.50▲ +13.06%
over 1Y
L $48.34H $68.74
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-4.6%
1W-0.7%
1M+9.1%
3M+12.1%
YTD-10.6%
1Y+13.1%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 20 analysts
Buy
Nonprime lender with rebounding earnings (+54%), 23% ROE and a fat dividend, trading at just 8.9x — value with credit-cycle risk.
Net income $783M · FY2025
The read
Quality fundamentals and an attractive price line up (~319% below fair value) — the rarer case where both the business and the entry look good.
OneMain is the largest U.S. nonprime consumer lender, with about $26.3 billion of managed receivables across 3.8 million customer accounts in personal loans, auto finance and the growing BrightWay credit card, served through 1,300+ branches in 48 states. FY2025 was a strong rebound: net income rose 53.8% to $783M and diluted EPS jumped 54.7% to $6.56 as credit costs normalized off the post-pandemic peak. Returns are high — a 23.0% ROE — and the business is cash-generative, producing $3.13B of operating cash flow that comfortably funds a $499M dividend (roughly an 8% yield at $58.18) plus $141M of buybacks.
The portfolio is growing healthily: personal-loan receivables rose to $21.4B with 53% secured by titled property (up from 50%), auto finance grew to $2.5B, and credit-card balances expanded to $936M. Cash nearly doubled to $914M, strengthening liquidity. At 8.9x earnings the valuation is undemanding, pricing in significant credit pessimism that the FY2025 results do not support.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 4:54 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $1.31B | $872M | $641M | $509M | $783M |
| Diluted EPS | $9.88 | $7.01 | $5.32 | $4.24 | $6.56 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)0.17
Earnings yield11.4%
FCF yield—
Quality & risk
ROIC (est.)—
Free cash flow—
Total debt$22.7B
Net cash-$21.8B
Piotroski F-Score5/6
Capital returns
Buyback yield2.1%
Dividend yield (est.)7.3%
Shareholder yield9.3%
Shares Δ YoY-1.9%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-292026-06-30open ↗4Period ending 2026-06-292026-06-30open ↗144Filing2026-06-29open ↗144Filing2026-06-29open ↗8-KPeriod ending 2026-06-162026-06-22open ↗S-8Filing2026-06-18open ↗SCHEDULE 13G/AFiling2026-05-14open ↗SCHEDULE 13G/AFiling2026-05-06open ↗10-QPeriod ending 2026-03-312026-05-01open ↗8-KPeriod ending 2026-05-012026-05-01open ↗SCHEDULE 13GFiling2026-04-30open ↗ARSPeriod ending 2025-12-312026-04-29open ↗
Frequently asked
- Is OneMain Holdings, Inc. (OMF) a buy?
- OMF currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Nonprime lender with rebounding earnings (+54%), 23% ROE and a fat dividend, trading at just 8.9x — value with credit-cycle risk.
- What is OMF's fair value?
- A Modified-Graham model based on OMF's SEC fundamentals estimates a fair value of about $249.28. It is an estimate from reported earnings, not a price target.
- Is OMF overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, OMF currently appears undervalued relative to its SEC-grounded earnings power.
- What is OneMain Holdings, Inc.'s quality score?
- OMF scores 83.8083752309208/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001584207, latest 10-Q filed 2026-05-01) · EODHD · Proprietary analysis · as of 6/21/2026, 8:54:12 PM.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.