OMF
Financial Services · Credit Services
Performance
OMF (OMF) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
OMF (OMF) operates in the Credit Services space within the Financial Services sector. With a market cap of $6.7B, it qualifies as a small-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.
- Low P/E of 8.6× suggests the stock may be undervalued relative to earnings
- Forward P/E (6.7×) is lower than trailing P/E (8.6×) — analysts expect earnings to improve
- Revenue growth of 9% YoY shows solid business momentum
- Exceptional profit margin of 26.2% — the business retains a large share of each dollar earned
- ROE of 23.9% shows management efficiently converts equity into profit
- Dividend yield of 7.28% provides consistent income on top of price appreciation
- High debt-to-equity of 663.19× increases financial risk, especially with elevated interest rates
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
7.28%
5Y Avg Annual
$3.6380
Last Payment
$1.0500
Ex-Date
05/11/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest05/11/2026 | 05/15/2026 | $1.0500 | 7.24% |
02/17/2026 | 02/21/2026 | $1.0500 | 7.24% |
11/10/2025 | 11/14/2025 | $1.0500 | 7.24% |
08/04/2025 | 08/08/2025 | $1.0400 | 7.17% |
05/09/2025 | 05/13/2025 | $1.0400 | 7.17% |
02/12/2025 | 02/16/2025 | $1.0400 | 7.17% |
11/12/2024 | 11/16/2024 | $1.0400 | 7.17% |
08/12/2024 | 08/16/2024 | $1.0400 | 7.17% |
Magic Number
Shares needed to self-fund your next purchase
$58.00
Price
$1.0500
Last div. (quarterly)
56
shares
Own 56 OMF shares ($3,248.00) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$3,248.00
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 23, 2026
37
days
EPS (TTM)
$6.71
P/E (TTM)
8.6
Fwd P/E
6.7
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $58.00
Graham Number
√(22.5 × EPS × Book Value)
$66.40
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$85.47
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
89% score
Pays dividends
7Y hist.7+ years of dividend history
Dividend consistency (5Y+)
7 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
23.9%Return on equity — measures how efficiently capital is used
Positive profit margin
26.2%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+9.1%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+8.4%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
663.19×Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$70M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
7.28%Stock must distribute income to shareholders
Related Assets
Financial Services
About OMF
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. OneMain Holdings, Inc. operates as a subsidiary of Omh (Ml), L.P.
Sector
Financial Services
Industry
Credit Services
Location
Evansville, United States
Employees
9,300