Reading the tape
NYSE: OMF
OneMain Holdings, Inc.
Financial Services · Financial - Credit Services
Market Cap
$6.89B
52w High
$71.93
52w Low
$45.78
P/E
8.88
Volume
874.30K
Outstanding Shares
117.15M
Price vs Fundamentals
Why The Stock Is Moving
Fundamentals are supporting the moveModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: 24.86%Revenue (TTM): 9.09%FCF (TTM): 16.04%P/FCF: 23rd pct
What changed
The stock rose 24.86% over the last year. Revenue grew 9.09% over the trailing twelve months. Operating margin moved from 11.65% to 16.03%. Free cash flow grew 16.04% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 23rd percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 16.03%. Revenue grew 9.09% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Company profile
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses.
CEODouglas H. Shulman
SectorFinancial Services
IndustryFinancial - Credit Services
Employees9,000
IPO dateOct 16, 2013
Valuation
Forward P/E—
EV/EBITDA23.14
Enterprise value$29.81B
Price / Book2.02
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth7.61%
Gross margin47.62%▲9.14%vs FY2024
Operating margin16.03%▲37.57%vs FY2024
ROE23.02%▲44.33%vs FY2024
Analyst consensus
RatingBuy
Target price$69.71▲18.61%
22
Buy
8
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 1, 2026
Q2 FY26 · EPS est $1.86 · Revenue est $1.28B
View
Dividends
$4.18/shareQuarterly3yr growth streakAdequateOMF pays a dividend with a 7.11% dividend yield, 3 consecutive years of growth, covered 6.3× by free cash flow.
Dividend Yield
7.11%
Annual Div / Share
$4.18
5yr CAGR
-9.95%
Dividend has been cut
Payout Ratio
63.73%
Adequate
Dividend Growth Rate
3yr CAGR
+2.78%
5yr CAGR
-9.95%
Dividend Safety
7/10Adequate
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2025$4.18+0.5%
2024$4.16+4.0%
2023$4.00+3.9%
2022$3.85-41.2%
2021$6.55-7.2%
2020$7.06+26.5%
2019$5.58—
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$71/yr
$6/mo
In 5 yrs
$71/yr
$6/mo
In 10 yrs
$71/yr
$6/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$71/yr $6/mo | $71/yr $6/mo | $71/yr $6/mo |
Analysis
Dividend Strengths
Well-covered by free cash flow
The dividend is covered 6.3× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Risks to Watch
Dividend has been reduced
The 5-year dividend CAGR of -9.95% is negative, indicating the payout has been cut over this period.