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Upturn AI SWOT - About
OMF 
OneMain Holdings Inc (OMF)
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Upturn Advisory Summary
09/16/2025: 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 18.1% | Avg. Invested days 38 | 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 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.30B USD | Price to earnings Ratio 11.07 | 1Y Target Price 65.21 |
Price to earnings Ratio 11.07 | 1Y Target Price 65.21 | ||
Volume (30-day avg) 16 | Beta 1.25 | 52 Weeks Range 36.52 - 63.24 | Updated Date 09/16/2025 |
52 Weeks Range 36.52 - 63.24 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 6.87% | 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 11.07 | Forward PE 7.87 | Enterprise Value 28587395072 | Price to Sales(TTM) 2.65 |
Enterprise Value 28587395072 | Price to Sales(TTM) 2.65 | ||
Enterprise Value to Revenue 6.15 | Enterprise Value to EBITDA - | Shares Outstanding 118870000 | Shares Floating 118201112 |
Shares Outstanding 118870000 | Shares Floating 118201112 | ||
Percent Insiders 0.27 | Percent Institutions 93.18 |
Upturn AI SWOT
OneMain Holdings Inc
Company Overview
History and Background
OneMain Holdings, Inc. (OMF) traces its roots back to Commercial Credit Company, founded in 1912. It became Citigroup's consumer finance arm and later underwent several ownership changes. In 2015, it was spun off and renamed OneMain Financial before becoming OneMain Holdings Inc.
Core Business Areas
- Consumer Lending: Provides personal loans to nonprime borrowers. These loans are typically unsecured or secured by automobiles or other personal property.
- Insurance Products: Offers credit insurance and other related products to borrowers.
- Other Services: Includes services related to loan origination and servicing.
Leadership and Structure
Doug Shulman is the Chairman and CEO. The organizational structure includes various departments overseeing lending operations, risk management, technology, and marketing, all reporting to the CEO and the Board of Directors.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured and secured personal loans targeted at nonprime borrowers. OneMain has a significant, but not dominant share in this fragmented market. Competitors include other personal loan providers, credit card companies, and payday lenders. Specific market share data is dynamic, but OneMain's origination volume is significant - approx. $15 Billion in 2023.
- competitors: Upstart Holdings, Inc.,LendingClub Corp,Avant
- Credit Insurance: Offered alongside loans to protect borrowers in case of job loss or disability. Revenue is derived from premiums charged on these policies. Competitors include insurance companies offering similar products through various lending institutions.
- competitors: Transamerica,American International Group (AIG),Prudential Financial
Market Dynamics
Industry Overview
The consumer finance industry is highly competitive, with numerous players offering various lending products. The industry is influenced by economic conditions, interest rates, and regulatory changes.
Positioning
OneMain holds a significant position in the nonprime lending market, focusing on borrowers with limited access to traditional credit. Its competitive advantages include its extensive branch network and established brand reputation. Their customer base can sometimes be subprime and is their focus.
Total Addressable Market (TAM)
The TAM for nonprime lending is substantial, estimated in the hundreds of billions of dollars. OneMain is well positioned with its established network and product offerings, but faces stiff competition from both traditional and Fintech lenders.
Upturn SWOT Analysis
Strengths
- Extensive branch network
- Established brand reputation
- Experienced management team
- Strong risk management capabilities
- Focus on the nonprime lending market
Weaknesses
- High cost of funds compared to banks
- Exposure to credit risk from nonprime borrowers
- Sensitivity to economic downturns
- Regulatory scrutiny
Opportunities
- Expansion into new geographic markets
- Development of new lending products
- Increased online lending capabilities
- Strategic acquisitions
- Partnerships with other financial institutions
Threats
- Increased competition from fintech lenders
- Changes in regulatory environment
- Economic downturns
- Rising interest rates
- Increased cybersecurity threats
Competitors and Market Share
Key Competitors
- ALLY
- COF
- LC
Competitive Landscape
OneMain competes with banks, credit unions, fintech lenders, and other consumer finance companies. Its advantages include its branch network, but it faces challenges from online lenders with lower operating costs.
Major Acquisitions
Trim Financial
- Year: 2021
- Acquisition Price (USD millions): 20
- Strategic Rationale: Acquiring Trim Financial helped bolster its origination and services to its customers. It provided a stronger digital presence.
Growth Trajectory and Initiatives
Historical Growth: OneMain's growth has been driven by its focus on the nonprime lending market and expansion of its branch network. Originations grew significantly between 2019 and 2022 but have flattened over the last two years.
Future Projections: Analysts project moderate growth for OneMain, driven by continued demand for personal loans. Growth rates are expected to be in the low single digits.
Recent Initiatives: OneMain has focused on enhancing its online lending platform and expanding its product offerings to attract a wider range of borrowers.
Summary
OneMain Holdings is a significant player in the nonprime lending market, leveraging an established branch network and brand. It faces challenges from fintech lenders and economic volatility. While its dividend is attractive, the company's reliance on nonprime borrowers creates inherent risks. Future growth depends on strategic initiatives and managing credit risk effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Analyst Reports
- Market Research Reports
- Company Website
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Actual results may vary.
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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