OneMain Holdings, Inc. (OMF) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
OneMain Holdings, Inc. functions as a financial services holding company, primarily engaged in consumer lending and the provision of insurance products. The firm is responsible for originating, assessing, and servicing personal loans, which may be secured by collateral such as automobiles or other titled property, or they may be unsecured.
Is OneMain Holdings, Inc. stock overvalued or undervalued in 2026?
OneMain Holdings, Inc. (OMF) trades at 8.7× earnings (P/E), below the median of the 324 financial services companies over $2bn in Kaplio's universe. At the decade median (9.4×) $63 (+9 %); at its sector median (13.0×) $86 (+50 %).
Kaplio overview: OneMain Holdings, Inc.
Market cap $7B · 52 weeks $49 – $71 (15 % below the high) · P/E 8.7× · 2027 expected P/E 6.8× · Dividend 7.3 % · 3 years rising · Next earnings October 30, 2026 · expected EPS $1.57 · Closing price, Oct 28 · accounts published Jul 29.
- Valuation: P/E 8.7× (fairly priced).
- Business: ROE 23.1 % (solid).
- Balance sheet: Debt/Equity 6.73 (fragile).
- Earnings: 8 of 8 (on track).
What would it be worth at its usual multiples?
At the decade median (9.4×) $63 (+9 %); at its sector median (13.0×) $86 (+50 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in financial services: 4 of 6 pass
- Operating margin 16.0 %, fails.
- Debt / Equity 6.73, fails.
- 5y revenue growth 7.5 %, passes.
- ROE 23.1 %, passes.
- FCF / Net Income 399.7 %, passes.
- P/E vs own 5y 8.7×, passes.
Against its peers (reference peers) — OneMain Holdings, Inc.: P/E 8.7×; EV/EBITDA 14.8×; ROIC 32.5 %; $6.6B. FirstCash Holdings, Inc (P/E 20.6×; EV/EBITDA 10.4×; ROIC 9.6 %; $8.2B), Ally Financial Inc. (P/E 8.9×; EV/EBITDA 9.6×; ROIC 3.5 %; $11.8B), SLM Corporation (P/E 6.4×; EV/EBITDA 7.7×; ROIC 6.2 %; $3.3B).
Expensive or cheap against its last ten years?
P/E at each close: today 8.7× · median 9.4× · minimum 2.4× · maximum 21.6× · cheap below 6.9× · expensive above 13.1×. It has been cheaper than today only 39% of the time over its last ten years.
Dividend
solid · Yield 7.3 % ($4.20 per share in 2025) · Years raising it 3 · 5-year growth -7 % a year · Free cash flow coverage 5.6× · With $1,000 invested today you'd collect $72.80 a year ($6.07 a month).
Profitability
| Return on Equity | 23.07% |
| Return on Invested Capital | 32.46% |
| Return on Assets | 2.85% |
| Gross Margin | 63.63% |
| Operating Margin | 25.80% |
| Net Margin | 12.17% |
Financial Health
| Debt / Equity | 6.73 |
| Current Ratio | 2,216.00 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.77 |
Price Performance
| 1 month | +2.31% |
| 3 months | -7.88% |
| Year-to-date | -14.66% |
| 1 year | +2.91% |
| 3 years | +62.90% |
| 5 years | +9.16% |
| 10 years | +103.42% |
Dividend History
Paid in the last 12 months: $4.2000 per share in 4 payments.
| Date | Amount |
|---|---|
| 2026-08-10 | $1.0500 |
| 2026-05-11 | $1.0500 |
| 2026-02-17 | $1.0500 |
| 2025-11-10 | $1.0500 |
| 2025-08-04 | $1.0400 |
| 2025-05-09 | $1.0400 |
| 2025-02-12 | $1.0400 |
| 2024-11-12 | $1.0400 |
| 2024-08-12 | $1.0400 |
| 2024-05-09 | $1.0400 |
Amounts adjusted for stock splits.
Related companies: UPST · COF · ALLY · AFRM · FCFS · SLM · SYF
Explore sector: Financial Services · Financial - Credit Services
More sections of OMF: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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