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Upturn AI SWOT - About
OneMain Holdings Inc (OMF)
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Upturn Advisory Summary
05/23/2025: 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 $59.64
1 Year Target Price $59.64
| 8 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.88% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 05/23/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.78B USD | Price to earnings Ratio 12.05 | 1Y Target Price 59.64 |
Price to earnings Ratio 12.05 | 1Y Target Price 59.64 | ||
Volume (30-day avg) 16 | Beta 1.24 | 52 Weeks Range 37.21 - 58.60 | Updated Date 07/1/2025 |
52 Weeks Range 37.21 - 58.60 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 7.30% | Basic EPS (TTM) 4.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.95% | Operating Margin (TTM) 38.2% |
Management Effectiveness
Return on Assets (TTM) 2.27% | Return on Equity (TTM) 17.46% |
Valuation
Trailing PE 12.05 | Forward PE 9.73 | Enterprise Value 27648221184 | Price to Sales(TTM) 2.63 |
Enterprise Value 27648221184 | Price to Sales(TTM) 2.63 | ||
Enterprise Value to Revenue 6.08 | Enterprise Value to EBITDA - | Shares Outstanding 118969000 | Shares Floating 118347778 |
Shares Outstanding 118969000 | Shares Floating 118347778 | ||
Percent Insiders 0.36 | Percent Institutions 93.41 |
Analyst Ratings
Rating 3 | Target Price 59.64 | Buy 3 | Strong Buy 8 |
Buy 3 | Strong Buy 8 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
OneMain Holdings Inc
Company Overview
History and Background
OneMain Holdings, Inc. traces its roots back to Commercial Credit Company, founded in 1912. It evolved through various ownership changes, including being part of Citigroup, before becoming an independent publicly traded company in 2013. The company specializes in providing financial services to underserved consumers.
Core Business Areas
- Consumer Lending: Offers personal loans, primarily secured by automobiles or other collateral, to individuals with limited access to traditional credit sources.
- Insurance Services: Provides credit and non-credit insurance products, including life, disability, and property insurance, to its lending customers.
Leadership and Structure
The CEO of OneMain Holdings is Doug Shulman. The organizational structure is typical of a publicly traded company, with a board of directors overseeing management and various departments handling different aspects of the business.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured and secured personal loans are OneMain's core product. These loans cater to borrowers with limited or impaired credit histories. Competitors include Upstart, LendingClub, Prosper, and traditional banks/credit unions.
- Revenue: Personal loans represents the core revenue source for OneMain.
- Credit Insurance: Alongside its lending products, OneMain sells credit insurance that could cover the costs of the loan if the customer can't pay because of health, life or property issues. Competitors include traditional insurance companies.
Market Dynamics
Industry Overview
The consumer finance industry is competitive and highly regulated, serving individuals with limited access to traditional credit. Demand is influenced by economic conditions, interest rates, and regulatory changes.
Positioning
OneMain occupies a niche providing financial services to near-prime and non-prime borrowers. Its competitive advantage lies in its branch network, risk assessment expertise, and established customer base.
Total Addressable Market (TAM)
The TAM for unsecured personal loans in the U.S. is estimated to be hundreds of billions of dollars. OneMain is positioned to capture a share of this market by focusing on the underserved segment. While the TAM is large, a significant portion is occupied by large banking institutions.
Upturn SWOT Analysis
Strengths
- Extensive branch network
- Experience in serving near-prime and non-prime borrowers
- Proprietary risk scoring models
- Strong brand recognition in its target market
Weaknesses
- Higher cost of funds compared to banks
- Exposure to regulatory scrutiny
- Dependence on economic conditions
- Higher loan loss rates compared to prime lenders
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased adoption of digital lending platforms
- Acquisition of smaller competitors
Threats
- Increased competition from fintech companies
- Economic downturn
- Changes in regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- ALLY (ALLY)
- LendingClub (LC)
- Upstart (UPST)
Competitive Landscape
OneMain competes primarily with traditional banks, credit unions, and other consumer finance companies. Its advantages include its branch network and expertise in serving near-prime and non-prime borrowers. However, it faces competition from fintech companies that offer online lending platforms.
Major Acquisitions
Trimono Financial Group
- Year: 2018
- Acquisition Price (USD millions): 425
- Strategic Rationale: Enhanced its digital capabilities and expanded its customer base.
Growth Trajectory and Initiatives
Historical Growth: OneMain's growth has been driven by loan origination volume and strategic acquisitions. Past performance is not indicative of future results.
Future Projections: Future growth projections depend on analyst estimates, which consider factors such as economic conditions, interest rates, and regulatory changes. These estimates should be consulted for a forward-looking view.
Recent Initiatives: Recent initiatives may include new product launches, technology investments, and branch expansions.
Summary
OneMain Holdings caters to a niche market of near-prime and non-prime borrowers with a strong branch network and expertise. While its focus on this segment brings higher loan loss rates and cost of funds, it also allows for expansion into underserved markets and development of new services. Regulatory changes and increased competition are the risks the company should watch out for. Its unique positioning allows to capture a share of the personal loans market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market data is subject to change. Consult a financial professional before making any investment decisions.
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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