Stocks · Financial Services · Financial - Credit Services
OneMain Holdings, Inc. OMF
$56.02 +0.27% Close, Oct 2, 2026 · NYSE · Market cap $6.47B
High qualityHigh risk
Next earnings report: Oct 30, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 25.8% from 14.3% a year earlier.
- Earnings beat analyst estimates in each of the last 12 quarters (average surprise over the last four: +6.5%).
- Net debt is 11.4× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 49%
- EPS growth (TTM, YoY)Top 49%
- FCF growth (TTM, YoY)Bottom 45%
- Revenue growth, 3-year CAGRBottom 21%
- Revenue growth accelerationBottom 44%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 3%
- Gross marginBottom 47%
- Operating marginTop 39%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 10%
- Net debt / EBITDA (lower is better)Bottom 11%
- Interest coverTop 42%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 10%
- Free-cash-flow yieldTop 5%
- EBITDA / enterprise valueTop 48%
- Sales / enterprise valueBottom 30%
- P/E vs own 5-year history (lower is better)Top 44%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 45%
- 6-month returnBottom 45%
- 1-year return vs S&P 500Bottom 35%
- Distance from 52-week highBottom 21%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 40%
- Consecutive EPS beatsTop 6%
- Share of analysts rating BuyTop 20%
- Upside to consensus price targetBottom 41%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 36%
- Maximum drawdown, 3 yearsBottom 45%
- Beta vs S&P 500 (lower is better)Bottom 10%
- Net debt / EBITDA (lower is better)Bottom 11%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.8% | 7.0% | ↓ |
| EPS growth (YoY) | 42.1% | 19.7% | ↓ |
| Gross margin | 46.0% | 63.6% | ↑ |
| Operating margin | 14.3% | 25.8% | ↑ |
| FCF margin | 47.8% | 50.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.0% | 7.8% | ↓ | Top 49% |
| EPS growth (TTM, YoY) | 19.7% | 42.1% | ↓ | Top 49% |
| Gross margin | 63.6% | 46.0% | ↑ | Bottom 47% |
| Operating margin | 25.8% | 14.3% | ↑ | Top 39% |
| Net margin | 12.2% | 11.1% | ↑ | — |
| Free-cash-flow margin | 50.4% | 47.8% | ↑ | — |
| Return on invested capital | 32.5% | — | Top 3% | |
| Revenue growth, 3-year CAGR | 7.0% | — | Bottom 21% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -8.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 11.40×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.76%
- Net buyback yield (TTM)
- 3.68%
- Shareholder yield
- 8.44%
- Share count change, 1 year
- -3.0%
- Share count change, 3-year CAGR
- -1.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 12
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +6.5%
- Average 2-day reaction, last 8
- +1.1%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $63.33
- Target vs current price
- +13.0%
- Analysts with a rating
- 31
- Share rating Buy or Strong Buy
- 71%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +4.0% | +1.1% | +5.1% | +1.6% | — |
| May 1, 2026 | +1.6% | -3.7% | -5.2% | -5.9% | +5.9% |
| Feb 5, 2026 | +2.6% | -1.4% | -5.0% | -12.9% | -10.5% |
| Oct 31, 2025 | +18.0% | +6.2% | +6.5% | +11.3% | +16.7% |
| Jul 25, 2025 | +16.0% | +1.3% | -1.4% | -2.2% | -7.7% |
| Apr 29, 2025 | +9.6% | -1.1% | -0.5% | +7.0% | +19.3% |
| Jan 31, 2025 | +3.6% | -3.2% | -1.0% | -6.4% | -14.4% |
| Oct 30, 2024 | +10.5% | +9.4% | +7.8% | +20.3% | +22.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $1.31 | $1.26 | +4.0% | $1.30B |
| May 1, 2026 | $1.95 | $1.92 | +1.6% | $1.26B |
| Feb 5, 2026 | $1.59 | $1.55 | +2.6% | $1.29B |
| Oct 31, 2025 | $1.90 | $1.61 | +18.0% | $1.27B |
| Jul 25, 2025 | $1.45 | $1.25 | +16.0% | $1.54B |
| Apr 29, 2025 | $1.72 | $1.57 | +9.6% | $1.19B |
| Jan 31, 2025 | $1.16 | $1.12 | +3.6% | $1.19B |
| Oct 30, 2024 | $1.26 | $1.14 | +10.5% | $1.16B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.4× | 8.6× | 48th | Top 10% |
| P/E (forward) | 8.2× | — | — | — |
| EV / EBITDA | 14.7× | — | — | Top 48% |
| EV / Sales | 4.47× | — | — | Bottom 30% |
| Free-cash-flow yield | 49.94% | — | — | Top 5% |
| Earnings yield | 11.84% | — | — | Top 10% |
P/E over the past five years
Range 4.5× – 13.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +0.4%
- Earnings per share growth (TTM)
- +19.7%
- Change in P/E multiple
- -9.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.2%
- 200-day average slope (20 days)
- -0.5%
- Distance from 50-day average
- -9.6%
- Distance from 200-day average
- -6.0%
- RSI (14)
- 32.2
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 24.6%
- Volatility vs own 5-year history
- 8th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.31
- Correlation with S&P 500
- 0.66
- Current drawdown from 1-year high
- -21.5%
- Maximum drawdown, 3 years
- -31.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 12, 2021 | Sep 27, 2022 | -52.9% | 306 days | 733 days (Aug 29, 2025) |
| Jan 6, 2026 | Mar 16, 2026 | -31.0% | 47 days | Not yet recovered |
| Jan 15, 2021 | Jan 27, 2021 | -17.7% | 7 days | 7 days (Feb 5, 2021) |
| Sep 4, 2025 | Oct 10, 2025 | -16.7% | 26 days | 36 days (Dec 2, 2025) |
| Feb 8, 2021 | Feb 26, 2021 | -16.0% | 13 days | 9 days (Mar 11, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $6.47B
- P/E (TTM)
- 8.4
- EPS, diluted (TTM)
- $6.63
- Revenue (TTM)
- $6.42B
- Dividend yield
- 7.50%
- 52-week range
- $45.78 – $71.93
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $4.97B | $5.09B | $5.30B | $5.72B | $6.24B |
| Gross profit | $3.44B | $2.80B | $2.56B | $2.50B | $2.97B |
| Operating income | $1.74B | $1.16B | $840.0M | $667.0M | $1.00B |
| Net income | $1.31B | $872.0M | $641.0M | $509.0M | $783.0M |
| EPS (diluted) | $9.88 | $7.01 | $5.31 | $4.24 | $6.56 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.47B | $1.50B | $1.50B | $1.54B | $1.59B | $1.61B | $1.59B | $1.63B |
| Net income | $157.0M | $126.0M | $213.0M | $167.0M | $199.0M | $204.0M | $226.0M | $152.0M |
| EPS (diluted) | $1.31 | $1.05 | $1.78 | $1.40 | $1.67 | $1.72 | $1.93 | $1.31 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $2.25B | $2.39B | $2.52B | $2.70B | $3.13B |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $2.25B | $2.39B | $2.52B | $2.70B | $3.13B |
| Dividends paid | -$1.27B | -$480.0M | -$414.0M | -$560.0M | -$309.0M |
| Net share buybacks | -$368.0M | -$301.0M | -$62.0M | -$31.0M | -$154.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $2.22B
- Total assets
- $27.42B
- Total liabilities
- $24.04B
- Total debt
- $22.77B
- Net debt
- $22.20B
- Shareholders’ equity
- $3.38B
As of Jun 30, 2026 (filed Jul 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 10, 2026 | $1.05 | Aug 14, 2026 |
| May 11, 2026 | $1.05 | May 15, 2026 |
| Feb 17, 2026 | $1.05 | Feb 23, 2026 |
| Nov 10, 2025 | $1.05 | Nov 14, 2025 |
| Aug 4, 2025 | $1.04 | Aug 13, 2025 |
| May 9, 2025 | $1.04 | May 16, 2025 |
| Feb 12, 2025 | $1.04 | Feb 20, 2025 |
| Nov 12, 2024 | $1.04 | Nov 18, 2024 |
Short interest
- Shares sold short
- 4,004,055
- Days to cover
- 4.58
- Change vs previous report
- +2.1%
FINRA short interest, settlement date Sep 15, 2026.