OneMain Holdings OMF
United StatesFinancial Services · Credit ServicesUSD
68.50 USD (+22.2%)
14 analysts
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OneMain Holdings is a US financial company that offers personal consumer loans, mainly to middle- and lower-income customers, through a network of branches and digital channels.
Key points
from its scores- ✓High-quality business8.3
- ✓Good share-price trend8.1
- ✓Attractive valuation7.6
- ✕Weak growth2.8
- ✕Unfavourable risk and backdrop4.7
AI analysis
bottom line, main risk, context and newsProfitability and dividend are attractive, but lack of growth and regulatory risk in consumer credit limit upside potential.
OneMain shows solid financial health (ROE 23.28%, net margin 25.86%) and attractive valuation (P/E 8.44, P/B adjusted 0.82), but growth is negative (revenue -2.7%, earnings -5.9%) and the high-rate environment pressures its consumer credit business.
The main risk is the slowdown in US consumer credit with high rates, already reflected in falling revenue and earnings, which could lead to higher delinquencies and additional regulatory pressure.
Context and risks
OneMain is a non-bank consumer lender in the US, a sector under active CFPB supervision and with recurring litigation over collection and lending practices. Its wholesale funding model, sensitive to rates, and its exposure to a slowing consumer credit cycle add specific regulatory and credit risk.
Is OneMain Holdings stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 18% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 8.4 | 13.7 | −38% |
| Price / book | 1.9 | 1.9 | +3% |
| Price / sales | 2.1 | 3.5 | −38% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 7.6 out of 10 (median for Financial Services: 5.2).
Average analyst target: 68.50 USD, +22.2% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 7.4 (sector 5.5), Growth 2.8 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 8.4
- Forward P/E
- 6.6
- Price / book
- 1.9
- Price / sales
- 2.1
- PEG
- 0.75
- Market cap
- 6.5B USD
- Enterprise value
- 28.7B USD
Profitability
- ROE
- 23.3%
- ROA
- 2.9%
- ROIC (approx.)
- 3.3%
- Gross margin
- 93.7%
- Operating margin
- 28.6%
- Net margin
- 25.9%
Solvency
- Total debt
- 22.8B USD
- Net debt
- 22.2B USD
- Cash
- 567.0M USD
- Debt / equity
- 673.04
Growth
- Revenue growth
- −2.7%
- Earnings growth
- −5.9%
- EPS (TTM)
- 6.64 USD
- EPS (forward)
- 8.53 USD
Dividend
- Dividend yield
- 7.5%
- Payout
- 63.1%
Risk and market
- Beta
- 1.21
- Analyst consensus
- Buy (14)
- Target price
- 68.50 USD
- 52-week range
- 45.78 – 71.93
Recent news
All OMF news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about OneMain Holdings
Is OneMain Holdings stock cheap or expensive?
On P/E and Price / book, it trades 18% below the Financial Services median on average. Valuation score: 7.6 out of 10 (median for Financial Services: 5.2). Average analyst target: 68.50 USD, +22.2% versus the price. This is not investment advice.
What score does OneMain Holdings get on MeridIAn Screener?
It scores 6.7 out of 10, rank 401 of 2,130 (better than 80% of the companies analysed). Its strongest category is Quality / Moat (8.3) and its weakest, Growth (2.8). Analysis of 08/10/2026.
What is OneMain Holdings's P/E ratio?
Its P/E is 8.4: the share price equals 8.4 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 6.6.
How much is OneMain Holdings worth on the stock market?
Its market capitalisation is 6.5B USD.
Does OneMain Holdings pay a dividend?
Yes: its dividend yield is 7.49% and it pays out 63% of its earnings.
How has OneMain Holdings stock performed over the last year?
It has risen 15.5% over the last year, excluding dividends. Over the last 52 weeks it has traded between 45.78 and 71.93 USD. Past performance does not guarantee future results.
What do analysts think of OneMain Holdings?
14 analysts cover it; their average recommendation is “Buy” and their average target is 68.50 USD (+22.2% versus the price). It is an estimate, not market data.