📊 OMF Key Takeaways
Is OneMain Holdings, Inc. (OMF) a Good Investment?
OneMain demonstrates strong operational momentum with 30.4% revenue growth and 54.7% EPS growth, coupled with exceptional free cash flow generation of $739M (53.3% FCF margin). The company maintains healthy operating (21.3%) and net margins (16.3%), indicating effective underwriting and risk management despite the competitive personal lending landscape. However, elevated leverage at 6.63x Debt/Equity and modest ROE of 6.7% warrant close monitoring of credit quality and interest rate sensitivity.
OneMain’s fundamentals show strong momentum: revenue up 30% YoY, EPS up 55% YoY, double‑digit operating and net margins, and a robust 23% ROE. Cash generation is strong (57% FCF margin), providing flexibility to fund growth and absorb credit costs, though leverage is elevated. Sustained asset quality and disciplined funding cost management would support continued earnings strength.
OneMain Holdings, Inc. Key Strengths (OMF)
- Strong revenue growth of 30.4% YoY demonstrates market expansion and competitive positioning
- Exceptional free cash flow generation of $739M with 53.3% FCF margin shows business quality and sustainability
- Robust earnings growth with 54.7% EPS increase signaling operational leverage and profitability improvement
- Healthy operating margin of 21.3% indicates efficient cost management and pricing power
- Solid net margin of 16.3% reflects ability to manage credit losses and operational expenses effectively
- Strong earnings growth and margin expansion
- High capital efficiency with 23% ROE
- Robust cash generation (OCF/FCF $3.13B; 57% FCF margin)
OMF Stock Risks: OneMain Holdings, Inc. Investment Risks
- Elevated leverage at 6.63x Debt/Equity ratio creates vulnerability to credit cycle downturns and refinancing risk
- Low ROA of 0.8% relative to $27B asset base suggests asset deployment challenges or margin compression concerns
- Moderate ROE of 6.7% indicates below-average returns on shareholder capital relative to financial services peers
- Significant long-term debt of $22.4B versus $3.4B equity creates sensitivity to interest rate volatility and funding conditions
- Concentrated exposure to unsecured personal lending with credit quality dependent on macroeconomic conditions and consumer delinquencies
- High leverage (6.67x D/E) and refinancing/interest rate risk
- Credit cycle sensitivity; rising delinquencies/charge-offs could pressure margins
- Regulatory and funding cost pressures could compress net interest margin
Key Metrics to Watch
- Debt-to-Equity ratio trends and leverage reduction initiatives
- Operating cash flow sustainability and loan portfolio credit quality metrics
- Net interest margin compression/expansion from rate changes
- Loan charge-off and 30+ day delinquency rates
- Return on Equity trajectory toward normalized financial services benchmarks
- Net charge-off and delinquency rates
- Funding costs/interest expense vs. net interest margin
OneMain Holdings, Inc. (OMF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 53.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
OMF Profit Margin, ROE & Profitability Analysis
OMF vs Finance Sector: How OneMain Holdings, Inc. Compares
How OneMain Holdings, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is OneMain Holdings, Inc. Stock Overvalued? OMF Valuation Analysis 2026
Based on fundamental analysis, OneMain Holdings, Inc. shows some fundamental concerns relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
OneMain Holdings, Inc. Balance Sheet: OMF Debt, Cash & Liquidity
OMF Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: OneMain Holdings, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $5.32 reflects profitable operations.
OMF Revenue Growth, EPS Growth & YoY Performance
OneMain Holdings, Inc. Dividends, Buybacks & Capital Allocation
OMF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for OneMain Holdings, Inc. (CIK: 0001584207)
📋 Recent SEC Filings
❓ Frequently Asked Questions about OMF
What is the AI rating for OMF?
OneMain Holdings, Inc. (OMF) has a Combined AI Grade of A from Claude (A) and ChatGPT (A) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are OMF's key strengths?
Claude: Strong revenue growth of 30.4% YoY demonstrates market expansion and competitive positioning. Exceptional free cash flow generation of $739M with 53.3% FCF margin shows business quality and sustainability. ChatGPT: Strong earnings growth and margin expansion. High capital efficiency with 23% ROE.
What are the risks of investing in OMF?
Claude: Elevated leverage at 6.63x Debt/Equity ratio creates vulnerability to credit cycle downturns and refinancing risk. Low ROA of 0.8% relative to $27B asset base suggests asset deployment challenges or margin compression concerns. ChatGPT: High leverage (6.67x D/E) and refinancing/interest rate risk. Credit cycle sensitivity; rising delinquencies/charge-offs could pressure margins.
What is OMF's revenue and growth?
OneMain Holdings, Inc. reported revenue of $1.4B.
Does OMF pay dividends?
OneMain Holdings, Inc. pays dividends, with $128.0M distributed to shareholders in the trailing twelve months.
Where can I find OMF SEC filings?
Official SEC filings for OneMain Holdings, Inc. (CIK: 0001584207) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OMF's EPS?
OneMain Holdings, Inc. has a diluted EPS of $1.93.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is OMF's fundamental grade?
Based on our AI fundamental analysis in May 2026, OneMain Holdings, Inc. has a A grade with 76% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is OMF stock overvalued or undervalued?
Valuation metrics for OMF: ROE of 6.7% (sector avg: 12%), net margin of 16.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is OMF's AI grade for 2026?
Our dual AI analysis gives OneMain Holdings, Inc. a combined A grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is OMF's free cash flow?
OneMain Holdings, Inc.'s operating cash flow is $739.0M, with capital expenditures of N/A. FCF margin is 53.3%.
How does OMF compare to other Finance stocks?
Vs Finance sector averages: Net margin 16.3% (avg: 25%), ROE 6.7% (avg: 12%), current ratio N/A (avg: 1.2).
Is OneMain Holdings, Inc. carrying too much debt?
OMF has a debt-to-equity ratio of 6.63x, which is above the Finance sector average of 2x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.