OMF
OneMain Holdings, Inc.
OMF's fundamentals are mixed: revenue grew 8.8%, while its operating margin held steady at 19%. At 8.3x earnings, it's trading in line with its usual 7.9x. Analysts expect strong earnings growth, though they disagree widely on how much.
OMF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OMF's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OMF.
OMF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $31.69 | -42% |
| Forward | 7.1x | $54.38 | — |
| Fair | 7.9x | $51.66 | -5% |
| Current | 8.3x | $54.38 | — |
| Expensive | 10x | $67.63 | +24% |
Historical ranges are pointers, not guarantees.
OMF's PE is in its fair range at 8.3x. If earnings grow as analysts expect, today's price would be 7.1x next year's earnings.
OMF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for OMF, with profitability improving. However, they disagree widely on these estimates.
OMF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.67 | +17% |
| Q3 2026 | $6.56 | +11% |
| Q2 2026 | $6.63 | +20% |
| Q1 2026 | $6.71 | +42% |
| Q4 2025 | $6.56 | +55% |
| Q3 2025 | $5.90 | +29% |
| Q2 2025 | $5.54 | +14% |
| Q1 2025 | $4.73 | -7.8% |
| Q4 2024 | $4.24 | -20% |
OMF's earnings per share have fallen from their peak: $6.56 over the past year, against $10.50 in late 2021.
OMF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +10% |
| Q2 2026 | $1.3B | +8.3% |
| Q1 2026 | $1.3B | +6.6% |
| Q4 2025 | $1.3B | +10% |
| Q3 2025 | $1.2B | +6.2% |
| Q2 2025 | $1.2B | +9.3% |
| Q1 2025 | $1.2B | +10% |
| Q4 2024 | $1.2B | +5.8% |
OMF's revenue has grown year over year for 14 quarters in a row: $1.4B last quarter, up 10% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 17% | -4.1 points |
| Q2 2026 | 15% | -2.8 points |
| Q1 2026 | 23% | +0.2 points |
| Q4 2025 | 19% | +5.3 points |
| Q3 2025 | 21% | +3.5 points |
| Q2 2025 | 18% | +9.5 points |
| Q1 2025 | 23% | +4.3 points |
| Q4 2024 | 14% | -6 points |
OMF's operating margin was 17% last quarter, down 4.1 points from the same quarter a year ago.
OMF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $808M | -2.4% |
| Q2 2026 | $800M | +3.4% |
| Q1 2026 | $739M | +11% |
| Q4 2025 | $865M | +15% |
| Q3 2025 | $828M | +22% |
| Q2 2025 | $774M | +8.7% |
| Q1 2025 | $665M | +19% |
| Q4 2024 | $752M | +11% |
OMF's free cash flow was $3.2B over the past year, up 6.4% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OMF.
OMF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -271K shares |
| 1 year | -3.3% | -3.9M shares |
| 3 years | -4.4% | -5.3M shares |
| 5 years | -13% | -17.4M shares |
| Available history | -15% | -20.8M shares |
OMF has 115M diluted shares, down 3.3% from a year ago, with $244M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $34M |
| Q2 2026 | $32M |
| Q1 2026 | $107M |
| Q4 2025 | $71M |
| Q3 2025 | $33M |
| Q2 2025 | $21M |
| Q1 2025 | $16M |
| Q4 2024 | $3M |
OMF spent $244M buying back its own shares over the past year, about three times what it spent the year before.
OMF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 18.2x | High |
| Q2 2026 | 17.1x | High |
| Q1 2026 | 16.4x | High |
| Q4 2025 | 16.9x | High |
| Q3 2025 | 18.1x | High |
| Q2 2025 | 18.6x | High |
| Q1 2025 | 20.5x | High |
| Q4 2024 | 22.2x | High |
OMF's net debt is about 18 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like OMF.
OMF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.1 | Neutral |
| Stochastic | 13.3 | Oversold |
OMF's weekly RSI is 38 (neutral) and its Stochastic is 13 (oversold).
OMF PE vs Financial Services Sector
| Metric | OMF | Sector median | Relative |
|---|---|---|---|
| PE | 8.3x | 13x | 36% below |
| PE % | 54 | 63 | 9 pts below |
OMF is trading at 8.3x earnings, a 36% discount to the Financial Services sector's median of 13x.
OMF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $56.0 | 2.9% below |
| 20 week MA | $59.7 | 8.9% below |
| 50 week MA | $59.5 | 8.6% below |
| 100 week MA | $57.0 | 4.6% below |
| 200 week MA | $51.0 | 6.5% above |
OMF has fallen below most of its moving averages, though it's still 6.5% above its 200-week average.
OMF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.6 | $46.7 | +9.7% |
| 2021 | $46.7 | $50.2 | +7.4% |
| 2022 | $50.2 | $33.2 | -34% |
| 2023 | $33.2 | $49.2 | +48% |
| 2024 | $49.2 | $52.8 | +7.3% |
| 2025 | $52.8 | $69.1 | +31% |
| 2026 YTD | $69.1 | $54.4 | -21% |
OMF has finished higher in five of the last six years. It's down 21% so far in 2026.