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Upturn stock ratingUpturn stock rating
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OneMain Holdings Inc (OMF)

Upturn stock ratingUpturn stock rating
$61.59
Last Close (24-hour delay)
Profit since last BUY21.12%
upturn advisory
Consider higher Upturn Star rating
BUY since 76 days
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

08/28/2025: OMF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$65.21 Target price
52w Low $36.52
Current$61.59
52w High $62.02

Analysis of Past Performance

Type Stock
Historic Profit 20.15%
Avg. Invested days 36
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 7.32B USD
Price to earnings Ratio 11.1
1Y Target Price 65.21
Price to earnings Ratio 11.1
1Y Target Price 65.21
Volume (30-day avg) 16
Beta 1.22
52 Weeks Range 36.52 - 62.02
Updated Date 08/29/2025
52 Weeks Range 36.52 - 62.02
Updated Date 08/29/2025
Dividends yield (FY) 6.78%
Basic EPS (TTM) 5.55

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

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 11.1
Forward PE 10.53
Enterprise Value 28605224960
Price to Sales(TTM) 2.65
Enterprise Value 28605224960
Price to Sales(TTM) 2.65
Enterprise Value to Revenue 6.17
Enterprise Value to EBITDA -
Shares Outstanding 118870000
Shares Floating 118186847
Shares Outstanding 118870000
Shares Floating 118186847
Percent Insiders 0.28
Percent Institutions 93.09

ai summary icon Upturn AI SWOT

OneMain Holdings Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 9000

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.