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Upturn AI SWOT - About
OneMain Holdings Inc (OMF)
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Upturn Advisory Summary
08/12/2025: OMF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $65.21
1 Year Target Price $65.21
| 8 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.61% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.61B USD | Price to earnings Ratio 10.03 | 1Y Target Price 65.21 |
Price to earnings Ratio 10.03 | 1Y Target Price 65.21 | ||
Volume (30-day avg) 16 | Beta 1.22 | 52 Weeks Range 36.52 - 59.22 | Updated Date 08/12/2025 |
52 Weeks Range 36.52 - 59.22 | Updated Date 08/12/2025 | ||
Dividends yield (FY) 7.45% | Basic EPS (TTM) 5.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-29 | When Before Market | Estimate 1.22 | Actual 1.45 |
Profitability
Profit Margin 24.07% | Operating Margin (TTM) 33.19% |
Management Effectiveness
Return on Assets (TTM) 2.57% | Return on Equity (TTM) 20.5% |
Valuation
Trailing PE 10.03 | Forward PE 9.51 | Enterprise Value 27897946112 | Price to Sales(TTM) 2.4 |
Enterprise Value 27897946112 | Price to Sales(TTM) 2.4 | ||
Enterprise Value to Revenue 6.02 | Enterprise Value to EBITDA - | Shares Outstanding 118870000 | Shares Floating 118308095 |
Shares Outstanding 118870000 | Shares Floating 118308095 | ||
Percent Insiders 0.29 | Percent Institutions 93.82 |
Upturn AI SWOT
OneMain Holdings Inc
Company Overview
History and Background
OneMain Holdings, Inc. (OMF) traces its roots back to 1912 as Commercial Credit Company. Over the years, it underwent several ownership changes and strategic shifts, eventually becoming OneMain Financial and then OneMain Holdings, focusing on personal installment loans and insurance products for nonprime borrowers.
Core Business Areas
- Personal Loans: Provides secured and unsecured personal loans to nonprime consumers for various purposes, such as debt consolidation, home improvement, and unexpected expenses.
- Insurance Products: Offers credit insurance, which includes credit life, credit disability, and involuntary unemployment insurance, to borrowers.
- Other Services: Provides ancillary services like auto repair financing.
Leadership and Structure
Douglas H. Shulman serves as the Chairman and CEO. The company has a typical corporate structure with various departments reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Competitors: Regional banks, credit unions, and online lenders
- Personal Loans: OneMain's core product is personal installment loans. Market share data is difficult to pinpoint exactly, but OneMain is a significant player in the nonprime lending market. Competitors include regional banks, credit unions, and online lenders. Revenue generated from this product accounts for majority of the company's income
- Competitors: Other insurance companies offering credit-related products.
- Insurance Products: Credit insurance provides coverage for borrowers in case of death, disability, or job loss. The market share for this product varies. This is a minor product in their offering
Market Dynamics
Industry Overview
The consumer finance industry is highly competitive and subject to regulatory scrutiny. The demand for personal loans fluctuates based on economic conditions and consumer confidence.
Positioning
OneMain positions itself as a leading provider of personal loans to nonprime borrowers, differentiating itself through its branch network and personalized service.
Total Addressable Market (TAM)
The TAM for personal loans is substantial. OneMain is targeting the non-prime segment, which represents a sizable portion of this TAM.
Upturn SWOT Analysis
Strengths
- Extensive branch network
- Experienced management team
- Strong brand recognition in the nonprime lending market
- Proprietary credit scoring models
- Established relationships with borrowers
Weaknesses
- High cost of funds
- Exposure to credit risk from nonprime borrowers
- Regulatory scrutiny
- High operating expenses due to branch network
- Dependence on personal loans
Opportunities
- Expansion into new markets
- Increased demand for personal loans
- Technological advancements
- Partnerships with other financial institutions
- Acquisition opportunities
Threats
- Economic downturn
- Increased competition
- Changes in regulations
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- COF
- ALLY
- LSPD
Competitive Landscape
OneMain competes with banks, credit unions, and other consumer finance companies. Its competitive advantages include its branch network and expertise in lending to nonprime borrowers. Disadvantages include the high cost of funds and regulatory scrutiny.
Growth Trajectory and Initiatives
Historical Growth: OneMain has experienced moderate growth in recent years, driven by increased loan originations.
Future Projections: Analysts expect OneMain to continue to grow its loan portfolio and maintain its market position.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
OneMain Holdings is a significant player in the nonprime lending market with a strong branch network. High cost of funds and regulatory scrutiny are ongoing concerns, but the company is well-positioned to capitalize on the demand for personal loans. Recent initiatives should continue to grow its loan portfolio and maintain its market position. Economic downturns remain a key threat for the business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share estimates are approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OneMain Holdings Inc
Exchange NYSE | Headquaters Evansville, IN, United States | ||
IPO Launch date 2013-10-16 | Chairman, President & CEO Mr. Douglas H. Shulman J.D. | ||
Sector Financial Services | Industry Credit Services | Full time employees 9000 | Website https://www.onemainfinancial.com |
Full time employees 9000 | Website https://www.onemainfinancial.com | ||
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was founded in 1912 and is based in Evansville, Indiana.
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