OneMain Holdings, Inc. OMF
Composite 67/100; the shares have moved about 28% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 44/100 — a slight mark against it.
Income ranks 93/100 — a strong point in its favour. Valuation ranks 86/100 — a strong point in its favour. Growth ranks 75/100 — a strong point in its favour.
Balance-sheet strength ranks 44/100 — a slight mark against it.
What the company does OneMain Holdings (OMF) is a U.S. consumer finance company offering personal loans, auto financing, credit cards, and insurance products through branches, digital channels, and its website.
Key financials OMF reports strong profitability with ROE 23.9%, ROA 3.0%, and net margins 26.2%. Revenue grew 9.1% and EPS 8.4% year-over-year. Dividend yield is 7.1% with a 62.3% payout ratio.
Stock health The stock shows mixed momentum: up 8.57% over 3 months but down 1.66% over 6 months. RSI(14) is 62.30, indicating moderate bullish momentum. Sideravia scores highlight strong quality (74.3) and income (97.8) but weaker growth (53.0).
Price vs fair value The stock trades at a **discount of 86.30%** to our fair-value estimate of 116.64 and a **discount of 11.00%** to the 12-month target of 69.50. - Q2 earnings met estimates with net interest income rising year-over-year (Zacks, 2026-07-30) - Analysts cite strong receivables growth and operational improvements (GuruFocus.com, 2026-07-29) - Forward P/E of 8.05 and PEG of 0.76 signal undervaluation relative to peers (Valuation metrics)
Looking forward Forward P/E of 8.05 and PEG of 0.76 suggest valuation support, while high dividend yield (7.1%) may appeal to income-focused investors. Execution on receivables growth and cost discipline will be key to closing the valuation gap.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.