OneMain Holdings Inc (OMF)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-09
$62.59-1.14%
Close 2026-09-09 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-09
Broken: Recent financial performance freshly dropped to the bottom half of its industry.
OneMain Holdings grows net income from $204M to $226M recently. It keeps paying steady dividends near $1.05 per share. The company trades cheap with a P/E of 8.65, below peers at 10.56. Buybacks and earnings beats show management execution.
Cash from operating activities fell from $865M to $739M, showing weak cash flow. A federal lawsuit over hidden fees could hurt reputation and finances. Revenue growth is slow, with analysts expecting only 0.6% next year.
The price is about 5% below our fair value near $64. The market expects about 1% revenue growth, which is low but justified given current trends. Our view aligns with Street estimates but sees risk in cash flow and legal issues.
Breaks if: cash from operating activities falls below $700 million next quarter
Breaks if: dividend per share falls below $1.04 next quarter
net income falls below $204 million next quarter
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
This investment represents a turnaround situation with a focus on maintaining a profitable loan portfolio. The current thesis state is weakened, reflecting challenges in recent financial performance and management volatility.
The market seems to have priced in a low level of fragility, suggesting that expectations are somewhat justified. OMF is currently valued as cheap compared to its peers, indicating that there may be limited downside risk if performance stabilizes.
Fundamentals are likely to remain stable, given management's focus on maintaining credit standards and growing the loan portfolio. However, there is a moderate risk due to the company's recent history of missing earnings expectations.
The thesis hinges on the performance of sector bellwethers like Visa, Mastercard, and American Express. If these companies continue to perform well, it could provide a favorable backdrop for OMF. Conversely, any negative guidance from these firms could impact OMF's performance.
The most important moves since the prior daily snapshot.
Yes, our read has weakened. Recent financial performance fell from the robust to the weak half of its sector. This change indicates a decline in the reasons to own the stock. The market has reacted only modestly since this shift.
as of 2026-09-09
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Focus on increasing net income through operational efficiencies and revenue growth.
Breaks if: revenue growth falls below 0.6% next year
Focus on increasing net income through operational efficiencies and revenue growth.
In the next 1 to 3 years, OMF's performance will depend on its ability to navigate sector dynamics and maintain management stability. Not investment advice.