OneMain Holdings Inc (OMF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of OneMain Holdings Inc stock $67.52, price $56.09, upside +20.4%, quality 70 out of 100. Rating: undervalued. Calculated from audited financials with 12 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $21.08 – $68.74 · fair‑value band $51.72 – $96.88 · the $56.09 price screens below the $67.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.
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OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance.
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It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans.
The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015.
OneMain Holdings, Inc. was incorporated in 2013 and is based in Evansville, Indiana. OneMain Holdings, Inc. operates as a subsidiary of Omh (Ml), L.P.
Stock analysis
OneMain Holdings Inc (OMF) currently trades at $56.09, while our model-based Fair Value estimate is $67.52, implying the stock looks roughly 17% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $170.20 per share, and 5 of the 12 models we run sit above the $56.09 price.
Bear case: the Asset-Based group reads lowest at $9.58, and 7 of the 12 models stay below the price. Data coverage for this calculation is high.
Scenario range: $51.72 (bear) to $96.88 (bull), the price of $56.09 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 70/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
OneMain Holdings Inc reported revenue of $6.2B in FY2025 versus $5.0B in FY2021, a compound +5.8%/yr. Reported net income was $783M in FY2025, compounding −12.1%/yr from FY2021.
Key figures
Market cap $6.5B Mid · P/E ratio 8.5 · P/S ratio 2.18 · EPS (TTM) $6.57 · Dividend yield 1.9% · Net margin 25.8% · Return on equity 22.7% · Return on assets (EBIT) 4.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 76 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 20%, OMF screens cheaper than that median.
Fair Value models
Bear$51.72Fair Value $67.52Bull$96.88
Price $56.09 · Upside +20.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.72 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 2 officers or directors sold shares worth $911,576 and none bought.
SaleMicah R. ConradEVP & COO4× since Feb 26, 2026: 20,000 shares, avg. $61.35$1.2MAug 4, 2026
SaleMichael A Hedlundpao, SVP and Group Controller3× since Nov 26, 2025: 5,000 shares, avg. $63.00$315,000Jul 29, 202610b5-1 plan
SaleDouglas H. ShulmanPresident & CEO, Director57,500 shares at $68.42$3.9MJan 2, 202610b5-1 plan
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.78/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+9.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Start year 2020 (pandemic). Over 10 years: +11.0% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+2.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.9%
Dividend (yield on the price)1.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.9% vs 8.9%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.20% → 16%
News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: The business demonstrates strength through expansion of its receivables with sequentially improving credit metrics on new loans, yet its main weakness remains the drag from a legacy portfolio combined with elevated leverage and lack of a durable moat.
Main risk: A 2026 lawsuit by 13 state attorneys general accuses OneMain of deceptive practices in selling add-on insurance and memberships, which could lead to fines, refunds, practice changes or restrictions that hit margins from those products.
Bull case: OneMain could strengthen compliance processes and highlight its branch network for personalized service to retain customers while using AI internally to cut costs and improve underwriting efficiency.
Bear case: If the multistate lawsuit results in broad restrictions on add-on sales or if digital rivals gain significant share, OneMain might face sustained margin pressure and slower growth in its core personal loan segment.
OneMain is expanding its receivables book while credit metrics on newer loans show sequential improvement. The earnings pressure comes mainly from reserve builds needed to support that growth and from a small legacy portfolio that still weighs on delinquencies. Will the front book gains outweigh the back book drag as the mix shifts toward credit cards?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 284 stocks
Beats the industry median on 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside+20.4% · Above median
Profitability
Return on equity (12 months)22.7% · Top 25%
Return on assets2.9% · Above median
Net margin (12 months)25.8% · Above median
Operating margin (12 months)31.4% · Below median
Growth and dividend
Revenue growth (quarter YoY)−5.5% · Bottom 25%
Dividend yield (12 months)1.9% · Below median
Balance sheet
Debt / equity6.67× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is OneMain Holdings Inc (OMF) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $67.52 versus a price of $56.09, about +20% upside (undervalued).
What is the fair value of OMF?
Our model-based fair value for OneMain Holdings Inc is $67.52 (as of Nov 6, 2026), built from audited fundamentals. The current price: $56.09.
What is the quality score of OMF?
OneMain Holdings Inc has a Quality Score of 70/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for OneMain Holdings Inc (OMF)?
Our model-based price target is the fair value of $67.52 (as of Nov 6, 2026) from 12 valuation models. Cautious scenario $51.72, optimistic scenario $96.88. It is a calculation from audited fundamentals, not an analyst target.
What is the OneMain Holdings Inc stock forecast for 2026?
Our models put fair value at $67.52, about +20% upside versus a price of $56.09 (undervalued). Cautious scenario $51.72, optimistic scenario $96.88. The calculation is refreshed regularly with new filings.
What is the revenue of OneMain Holdings Inc (OMF)?
OneMain Holdings Inc reported trailing-twelve-month revenue of about $3.0B (latest available figure, as of Nov 6, 2026).
Does OneMain Holdings Inc pay a dividend?
OneMain Holdings Inc currently shows a dividend yield of 1.87% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of OneMain Holdings Inc (OMF) and when is the ex-dividend date?
OneMain Holdings Inc pays a dividend of $1.05 per share a year, a dividend yield of 1.9%. The next ex-dividend date is Nov 9, 2026. A dividend has been paid every year since at least 2019. The payout ratio is 16.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of OneMain Holdings Inc (OMF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OneMain Holdings Inc it is $67.52 per share (as of Nov 6, 2026), against a price of $56.09. It is the blended result of 12 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is OneMain Holdings Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, OMF trades below its calculated fair value: price $56.09, fair value $67.52, a gap of about +20% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OMF?
No. The price is what the market pays today ($56.09); the fair value is what the company's own numbers justify ($67.52). For OneMain Holdings Inc the two are $11.43 per share apart. That gap is exactly why we show both numbers side by side.
How much is OneMain Holdings Inc worth?
The market values OneMain Holdings Inc at about $6.5B (market capitalisation, as of Nov 6, 2026). Per share that is $56.09; our models calculate a fair value of $67.52 per share.
What do the bullish and bearish scenarios say about OMF?
Our models span a range for OneMain Holdings Inc: cautious scenario $51.72, base $67.52, optimistic $96.88 per share (as of Nov 6, 2026, price $56.09). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OMF?
OneMain Holdings Inc trades at a price-to-earnings ratio of 8.5 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $67.52 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2016 ex one-offs: 9.1. Other multiples: PEG 0.7, P/B 1.9, P/S 2.2, EV/EBITDA 22.0.
What is the PEG ratio of OMF?
The PEG ratio of OneMain Holdings Inc is 0.75 (P/E divided by earnings growth, as of Nov 6, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of OneMain Holdings Inc (OMF)?
Balance-sheet figures for OneMain Holdings Inc (as of Nov 6, 2026): return on equity 22.7%, debt of 6.67 per unit of equity. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is OMF from its 52-week high?
OneMain Holdings Inc trades at $56.09, about 18% below its 52-week high of $68.74 and 16% above the low of $48.34 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $67.52 is for.
Which stocks are comparable to OneMain Holdings Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is OneMain Holdings Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $56.09, calculated fair value $67.52 (+20%), Quality Score 70/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OMF calculated?
We run OneMain Holdings Inc through 12 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $67.52 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. OneMain Holdings Inc currently trades 17% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of OneMain Holdings Inc (OMF)?
The closing price on Nov 6, 2026 was $56.09. Our model-based fair value is $67.52, about +20% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OneMain Holdings Inc right now?
Solid quality (70/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($51.72 to $96.88) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of OneMain Holdings Inc (OMF) come from?
Earnings per share at OneMain Holdings Inc grew +7.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.0 %, EBIT margin −2.7 %, tax rate +2.1 %, residual (interest, one-offs) +1.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of OneMain Holdings Inc
How large is the market capitalisation of OneMain Holdings Inc (OMF)?
The market capitalisation of OneMain Holdings Inc is $6.5B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of OneMain Holdings Inc (OMF)?
The price-to-sales ratio of OneMain Holdings Inc is 2.18 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of OneMain Holdings Inc (OMF)?
Earnings per share at OneMain Holdings Inc are $6.57 (price ÷ EPS = P/E 8.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of OneMain Holdings Inc (OMF)?
The dividend yield of OneMain Holdings Inc is 1.9% (payout 16.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of OneMain Holdings Inc (OMF)?
The net margin of OneMain Holdings Inc is 25.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of OneMain Holdings Inc (OMF)?
The return on equity (ROE) of OneMain Holdings Inc is 22.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of OneMain Holdings Inc (OMF)?
On an EBIT basis the return on assets of OneMain Holdings Inc is 4.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of OneMain Holdings Inc (OMF)?
The operating margin of OneMain Holdings Inc is 31.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OneMain Holdings Inc (OMF)?
Revenue at OneMain Holdings Inc is growing −5.5% versus a year earlier (3y avg +7.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at OneMain Holdings Inc (OMF)?
Earnings per share at OneMain Holdings Inc are growing −4.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does OneMain Holdings Inc (OMF) generate?
The free cash flow of OneMain Holdings Inc is $3.1B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does OneMain Holdings Inc (OMF) carry?
The net debt of OneMain Holdings Inc is $21.8B (fiscal year 2025, ≈ 7.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 6, 2026