OneMain Holdings (OMF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

OneMain Holdings

NYSE•Financial Services•Credit Services

$62.75+0.69(0.01%)Market closed

Market Cap

$7.01B

P/E

9.0x

P/S

1.4x

P/B

2.1x

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.

How this company scores

WeakMetricSide Score: 71/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (5/25).

Profitability22/25

Growth21/25

Balance Sheet & Red Flags5/25

Cash & Earnings Quality23/25

Strengths

Strong marginsHigh ROERising earningsCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.0x5y range 3.8x – 12.2x

Currently near its 20-quarter median.

P/S · 1.4x5y range 0.9x – 1.9x

Currently near its 20-quarter median.

P/B · 2.1x5y range 1.2x – 2.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Leverage Risk

Red Flag

D/E ratio is 6.7 — heavily leveraged and vulnerable to rising rates or cash flow dips.

Price & Volume

Market Cap $7.01B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $5.08B
Q. Revenue: $1.30B
TTM EBITDA: $1.44B
TTM Op. Income: $1.00B
Q. Op. Income: $196.00M
TTM Net Income: $781.00M
Q. Net Income: $152.00M
EPS: $1.32
Shares Out.: $115.34M

$5.08B in TTM revenue grew 7.8% YoY, reaching $1.30B last quarter. TTM EBITDA of $1.44B and TTM operating income of $1.00B show growth is flowing through to the bottom line. TTM net income of $781.00M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 53.0%
EBITDA Margin: 21.0%
Op. Margin: 15.1%
Net Margin: 11.7%

Op. margin of 15.1% is down 2.8% YoY — costs are rising relative to revenue. Net margin at 11.7% and gross margin of 53.0% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 15% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.0x
P/S Ratio: 1.4x
P/B Ratio: 2.1x

At 9.0x P/E, the stock trades below typical market levels. P/S of 1.4x and P/B of 2.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 12% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $27.42B
Cash: $567.00M
Long-Term Debt: $22.77B
Book Value: $3.38B
D/E Ratio: 6.7
Debt/EBITDA: 83.7

With $27.42B in assets and $22.77B in long-term debt, D/E is 6.7and book value is $3.38B — elevated leverage, meaning significant financial risk in a downturn. Over the past year, debt/equity is up 2% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $800.00M
TTM Free Cash Flow: $3.23B
FCF Margin: 63.6%
FCF / Net Income: 4.1

TTM FCF of $3.23B on $800.00M in operating cash flow. The FCF / Net Income ratio of 4.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 7 consecutive quarters — an improving trend.