Loading stock…

OneMain Holdings, Inc. (OMF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

OneMain Holdings, Inc.

OMFMarket cap $6.46BPrice $56.2

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

OneMain lends money to everyday Americans who banks won't touch, running one of the largest branch networks in personal lending. It's been doing subprime installment loans since 1912, long before "fintech" made it trendy.

In Bastion Portfolios?

52W Return+10%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+2%4

Revenue Forecast

Rev CAGR (1y)+7%5

Rev CAGR (3y)+7%5

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1+3%5

EPS Growth Y+2+22%8

EPS Growth Y+3+9%6

Quality

Margins

EBIT Margin0%8

Net Income Margin26%8

Free Cash Flow Margin107%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE23%8

ROA3%5

Earnings Stability44

GEAR+STRONG76

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)610

P/BV1.97

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield7.5%10

Momentum

Short term

1 month return-13%2

3 month return-4%5

YTD return-12%3

Mid term

Price vs 52wHigh82%6

1 year return+10%6

Long term

3 year return+89%7

5 year return+49%6

Risk Shield

Price Risk

Beta1.32

Volatility30%7

Free Cash Flow

Free Cash Flow Margin107%10

Free Cash Flow Yield0.0%10

Quality

ROCE4%5

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

OMFOneMain Holdings

Revenue FY25$5.0B

GROWTH RATING↗

AVERAGE45 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+2%4

Revenue, next 1Y+7%5

Revenue, next 3Y, CAGR+7%5

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%5

EPS growth, FY27E+22%8

EPS growth, FY28E+9%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 2%/yr over the last 3 years and is set to grow 7%/yr from here.

Earnings are set to grow in step with sales (EPS about 9%/yr vs revenue 7%/yr).

WATCH

A mid-pack grower, ahead of 45% of companies worldwide.

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A middle-of-the-pack grower that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE46 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-13%2

3-month return-4%5

YTD return-12%3

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+10%6

3-year return+89%7

5-year return+49%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +89% over three years and +49% over five, ahead of 60% of the market.

WATCH

It's up 10% over the past year, but 18% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-4%).

WEAKNESSES

The stock is underperforming over the past month (-13%) and so far this year (-12%).

BOTTOM LINE

Long-Term Winner, Cooling Off

Multi-year returns are elite even though the latest weeks are quieter. Often a quality compounder taking a breather rather than breaking down. The one thing to watch: the stock is underperforming over the past month and so far this year.

04Value

Are you paying a fair price for it?

Stop guessing on OneMain Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community

Loading charts…

02Growth

Is it actually growing, and how fast?

OMFOneMain Holdings

Revenue FY25$5.0B

GROWTH RATING↗

AVERAGE45 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+2%4

Revenue, next 1Y+7%5

Revenue, next 3Y, CAGR+7%5

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%5

EPS growth, FY27E+22%8

EPS growth, FY28E+9%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 2%/yr over the last 3 years and is set to grow 7%/yr from here.

Earnings are set to grow in step with sales (EPS about 9%/yr vs revenue 7%/yr).

WATCH

A mid-pack grower, ahead of 45% of companies worldwide.

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A middle-of-the-pack grower that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE46 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-13%2

3-month return-4%5

YTD return-12%3

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+10%6

3-year return+89%7

5-year return+49%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +89% over three years and +49% over five, ahead of 60% of the market.

WATCH

It's up 10% over the past year, but 18% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-4%).

WEAKNESSES

The stock is underperforming over the past month (-13%) and so far this year (-12%).

BOTTOM LINE

Long-Term Winner, Cooling Off

04Value

Are you paying a fair price for it?

Stop guessing on OneMain Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community