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Upturn AI Summary - About
OneMain Holdings Inc(OMF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OMF
09/25/2026: OMF (1-star) is currently NOT-A-BUY. Pass it for now.
OneMain Holdings Inc is a prominent provider of personal installment loans, primarily serving the non-prime consumer segment through a unique blend of physical branches and digital channels. Its core strength lies in its specialized underwriting capabilities and a resilient, secured loan portfolio. The company's primary growth opportunity resides in scaling its digital-first lending solutions and expanding its ancillary product suite. However, investors must consider risks such as interest rate volatility, potential credit cycle downturns, and increasing competition from fintech lenders. The stock is best suited for income-focused or value-oriented investors seeking high dividend yields, provided they can tolerate the cyclical nature of the consumer finance industry.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely driven by macro economic trends and credit cycles rather than secular tech-style scaling. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit strong price trends during periods of economic expansion and strong credit performance. |
| Value investor | Strong fit | OneMain often trades at valuation multiples that reflect its cyclical risks rather than its consistent profitability. |
| Dividend investor | Strong fit | The company maintains a history of high dividend payouts that appeal to income-focused investors. |
| Low-risk investor | Weak fit | High sensitivity to credit cycles and interest rate risk creates inherent volatility not suited for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is highly sensitive to fluctuations in the economic cycle and interest rate changes. |
| Valuation risk | Medium | While often attractively priced, market sentiment can significantly shift based on credit quality outlooks. |
| Competition risk (Fintech and Banks) | Medium / high | Increasing competition from low-cost digital lenders threatens market share in the non-prime space. |
| Business quality | Medium | The franchise is established, but profitability is cyclically dependent. |
| Dividend income | Strong | Dividend payments have been a cornerstone of the shareholder return strategy. |
| Execution risk | Medium | Maintaining underwriting discipline while expanding digital channels is a critical success factor. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -1% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.60B USD | Price to earnings Ratio 8.55 | 1Y Target Price 69.57 |
Price to earnings Ratio 8.55 | 1Y Target Price 69.57 | ||
Volume (30-day avg) 901.9K shares | Beta 1.19 | 52 Weeks Range 44.20 - 68.16 | Updated Date 09/26/2026 |
52 Weeks Range 44.20 - 68.16 | Updated Date 09/26/2026 | ||
Dividends yield (FY) 7.39% | Basic EPS (TTM) 6.71 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Loans | Interest and fees generated from personal installment loans provided to consumers. | The company earns money primarily by lending at interest rates that exceed its cost of capital and loan losses. |
| Insurance and Services | Premiums from optional credit insurance and other borrower-protection products. | This is a secondary revenue stream that helps mitigate risk while increasing customer wallet share. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 8.55 | Forward PE 6.68 | Enterprise Value 28.80B | Price to Sales(TTM) 2.19 |
Enterprise Value 28.80B | Price to Sales(TTM) 2.19 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 115.04M | Shares Floating 108.29M |
Shares Outstanding 115.04M | Shares Floating 108.29M | ||
Percent Insiders 0.22 | Percent Institutions 96.1 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About OneMain Holdings Inc
Exchange NYSE | Headquarters 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 9300 | Website https://www.onemainfinancial.com |
Full time employees 9300 | 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 provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. 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 incorporated in 2013 and is based in Evansville, Indiana.
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