📊 OMF Key Takeaways
Is OneMain Holdings, Inc. (OMF) a Good Investment?
OneMain Holdings demonstrates exceptional fundamental strength with earnings growing 53.8% YoY, significantly outpacing 30.4% revenue growth, indicating improving operational leverage and margin expansion. The company generates robust free cash flow of $3.1B with a 57.4% FCF margin, providing strong debt service capacity and capital flexibility despite elevated leverage.
Why Buy OneMain Holdings, Inc. Stock? OMF Key Strengths
- Exceptional earnings acceleration (54.7% EPS growth) outpacing revenue growth (30.4%) indicates operational leverage and improving efficiency
- Outstanding cash flow generation with $3.1B FCF representing 57.4% of revenue, supporting debt servicing and reinvestment
- Strong profitability metrics with 23% ROE, 18.4% operating margin, and 14.4% net margin demonstrating pricing power and cost discipline
OMF Stock Risks: OneMain Holdings, Inc. Investment Risks
- Elevated financial leverage with 6.67x debt-to-equity ratio ($22.7B debt vs $3.4B equity) increases vulnerability to economic downturns
- Personal credit lending is cyclical and sensitive to consumer credit deterioration, unemployment, or interest rate shocks
- Modest 2.9% ROA suggests earnings are concentrated in a thin equity base, amplifying leverage risks
Key Metrics to Watch
- Net charge-off rates and delinquency trends (early warning indicators for credit cycle)
- Debt-to-equity ratio trajectory and refinancing capacity
- Operating margin sustainability and cost inflation pressures in consumer lending
OneMain Holdings, Inc. (OMF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 57.4% 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. has mixed fundamental signals 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
| Date | Form | Document | Action |
|---|---|---|---|
| Feb 27, 2026 | 4 | xslF345X05/wk-form4_1772229683.xml | View → |
| Feb 24, 2026 | 4 | xslF345X05/wk-form4_1771970599.xml | View → |
| Feb 24, 2026 | 4 | xslF345X05/wk-form4_1771970562.xml | View → |
| Feb 24, 2026 | 4 | xslF345X05/wk-form4_1771970511.xml | View → |
| Feb 24, 2026 | 4 | xslF345X05/wk-form4_1771970480.xml | View → |
❓ Frequently Asked Questions about OMF
What is the AI rating for OMF?
OneMain Holdings, Inc. (OMF) has an AI rating of STRONG BUY with 82% confidence, based on fundamental analysis of SEC EDGAR filings.
What are OMF's key strengths?
Claude: Exceptional earnings acceleration (54.7% EPS growth) outpacing revenue growth (30.4%) indicates operational leverage and improving efficiency. Outstanding cash flow generation with $3.1B FCF representing 57.4% of revenue, supporting debt servicing and reinvestment.
What are the risks of investing in OMF?
Claude: Elevated financial leverage with 6.67x debt-to-equity ratio ($22.7B debt vs $3.4B equity) increases vulnerability to economic downturns. Personal credit lending is cyclical and sensitive to consumer credit deterioration, unemployment, or interest rate shocks.
What is OMF's revenue and growth?
OneMain Holdings, Inc. reported revenue of $5.5B.
Does OMF pay dividends?
OneMain Holdings, Inc. pays dividends, with $499.0M 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 $6.56.
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 rating reflects both perspectives for balanced insights.
Is OMF a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, OneMain Holdings, Inc. has a STRONG BUY rating with 82% 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 23.0% (sector avg: 12%), net margin of 14.4% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy OMF stock in 2026?
Our dual AI analysis gives OneMain Holdings, Inc. a combined STRONG BUY rating 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 $3.1B, with capital expenditures of N/A. FCF margin is 57.4%.
How does OMF compare to other Finance stocks?
Vs Finance sector averages: Net margin 14.4% (avg: 25%), ROE 23.0% (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 6.67x, which is above the Finance sector average of 2x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.