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Upturn AI SWOT - About
OMF 
OneMain Holdings Inc (OMF)
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Upturn Advisory Summary
10/17/2025: OMF (1-star) is currently NOT-A-BUY. Pass it for now.
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 $64.21
1 Year Target Price $64.21
| 8 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.88% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.43B USD | Price to earnings Ratio 9.75 | 1Y Target Price 64.21 |
Price to earnings Ratio 9.75 | 1Y Target Price 64.21 | ||
Volume (30-day avg) 16 | Beta 1.28 | 52 Weeks Range 36.52 - 63.24 | Updated Date 10/18/2025 |
52 Weeks Range 36.52 - 63.24 | Updated Date 10/18/2025 | ||
Dividends yield (FY) 7.81% | 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 9.75 | Forward PE 7.42 | Enterprise Value 27718451200 | Price to Sales(TTM) 2.33 |
Enterprise Value 27718451200 | Price to Sales(TTM) 2.33 | ||
Enterprise Value to Revenue 6.04 | Enterprise Value to EBITDA - | Shares Outstanding 118870352 | Shares Floating 118201112 |
Shares Outstanding 118870352 | Shares Floating 118201112 | ||
Percent Insiders 0.27 | Percent Institutions 93.15 |
Upturn AI SWOT
OneMain Holdings Inc
Company Overview
History and Background
OneMain Holdings, Inc. was founded in 1912 as Commercial Credit. It has evolved through various ownership changes and acquisitions, ultimately becoming a leading consumer finance company focusing on near-prime borrowers.
Core Business Areas
- Consumer Lending: Provides personal loans, primarily to near-prime and non-prime customers, often secured by collateral.
- Insurance Products: Offers credit and non-credit insurance products, including life, disability, and property insurance.
- Other Services: Provides ancillary products and services, such as debt protection and membership programs.
Leadership and Structure
The leadership team is headed by the CEO, Doug Shulman. The organizational structure includes functional departments like Finance, Operations, Technology, and Risk Management, along with regional and branch-level operations.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured and secured personal loans for debt consolidation, home improvement, and other needs. The market share is difficult to pinpoint precisely due to the fragmented nature of the near-prime lending market, but OneMain is a significant player. Competitors include regional banks, credit unions, and online lenders such as Upstart and LendingClub.
- Credit Insurance: Various credit-related insurance products tied to their loans. Market share data is not readily available, but OneMain generates significant revenue from these products. Competitors include insurance companies like AIG and Transamerica that offer similar products through various channels.
Market Dynamics
Industry Overview
The consumer finance industry is characterized by high competition, regulatory scrutiny, and evolving consumer preferences. It's impacted by macroeconomic factors like interest rates, unemployment, and consumer confidence.
Positioning
OneMain focuses on the near-prime consumer lending segment, often serving customers underserved by traditional banks. Its competitive advantages include its branch network, established underwriting processes, and secured lending capabilities.
Total Addressable Market (TAM)
The TAM for personal loans in the US is estimated to be in the hundreds of billions of dollars annually. OneMain is well-positioned to capture a significant portion of this market due to its focus on near-prime borrowers.
Upturn SWOT Analysis
Strengths
- Extensive branch network
- Experienced management team
- Strong underwriting capabilities
- Established brand recognition
- Diversified product offerings
Weaknesses
- High cost of capital
- Exposure to credit risk
- Dependence on secured lending
- Regulatory scrutiny
- High interest rates on loans
Opportunities
- Expansion into new markets
- Increased demand for personal loans
- Technological innovation
- Partnerships with other financial institutions
- Growth in the near-prime lending segment
Threats
- Economic downturn
- Increased competition
- Changes in regulations
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- ALLY
- COF
- LC
Competitive Landscape
OneMain's advantages include its branch network and secured lending capabilities. Disadvantages include its higher cost of capital and exposure to credit risk compared to some competitors.
Major Acquisitions
Trim Financial
- Year: 2021
- Acquisition Price (USD millions): 31
- Strategic Rationale: Acquisition aimed to expand OneMain's digital capabilities and customer reach through Trim's automated financial management platform. The aim of the acuisition was to offer customers a better digital services.
Growth Trajectory and Initiatives
Historical Growth: OneMain has experienced growth through acquisitions, organic expansion, and increased lending volume. Growth has been impacted by macroeconomic factors and regulatory changes.
Future Projections: Analyst estimates for OneMain's future growth vary, but generally project continued growth in lending volume and earnings, tempered by potential economic headwinds. Projections can be found on various financial websites.
Recent Initiatives: Recent initiatives include investments in technology to improve the customer experience, expansion of its branch network, and strategic partnerships.
Summary
OneMain Holdings is a prominent player in the near-prime lending market, leveraging its branch network and underwriting expertise. However, its exposure to credit risk and higher cost of capital pose challenges. Strategic initiatives and technological investments are crucial for future growth, while macroeconomic conditions and regulatory changes remain key factors to monitor. Although smaller then its competitors, its still an up and commer.
Peer Comparison
Sources and Disclaimers
Data Sources:
- OneMain Holdings Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Market Research Reports
- Company Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data and analyst estimates are subject to change and may not be precise. Please do your own research and consult with a financial advisor 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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