Valuation dashboard for OneMain Holdings, Inc. (OMF) with P/E 8.70, P/B 1.98, EV/EBITDA 14.76 and dividend yield 7.28%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
Analysis Summary
OneMain Holdings, Inc. reported revenue of $6.24B in the most recent fiscal year, growing at a 5-year CAGR of 4.8%. Net income reached $783.0M, with a 1.4% 5-year CAGR.
Trailing-twelve-month margins: gross margin 63.6%, operating margin 25.8%, net margin 12.2%.
At $57.65 (closing price, October 28, 2026), OMF trades at a P/E of 8.70 and an ROE of 23.07%. Market capitalisation stands at $6.6B.
Balance sheet quality for OMF: current ratio of 0.0. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 8.70 |
| Price / Book | 1.98 |
| EV / EBITDA | 14.76 |
| Dividend Yield | 7.28% |
Valuation Models
| DCF Fair Value | $139.21 |
| vs Current Price | +141.5% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| OMF | OneMain Holdings, Inc. | $6.6B | 8.70 | 1.98 | 23.1% |
| UPST | Upstart Holdings, Inc. | $2.3B | 47.20 | 2.87 | 7.9% |
| COF | Capital One Financial Corporation | $125.7B | 12.09 | 1.14 | 9.7% |
| ALLY | Ally Financial Inc. | $11.8B | 8.90 | 0.79 | 9.7% |
| AFRM | Affirm Holdings, Inc. | $20.8B | 12.70 | 4.53 | 47.9% |
| FCFS | FirstCash Holdings, Inc | $7.6B | 18.99 | 3.70 | 17.7% |
| SLM | SLM Corporation | $3.7B | 7.06 | 1.46 | 23.6% |
| SYF | Synchrony Financial | $24.5B | 7.87 | 1.45 | 20.0% |
Price
| Price | $57.65 (closing price, October 28, 2026) |
| Market Cap | $6.6B |
| Exchange | NYSE |
| Country | US |
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% |
Related companies: UPST · COF · ALLY · AFRM · FCFS · SLM · SYF
Explore sector: Financial Services · Financial - Credit Services
More sections of OMF: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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