OMF- OneMain Holdings, Inc.
Financial Services · Credit Services
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 14 analysts
12-Month Price Target
$69.57
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $63.20
Graham Number
√(22.5 × EPS × Book Value)
$66.22
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
6/10
67% 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%
23.3%Return on equity - measures how efficiently capital is used
Positive profit margin
25.9%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
-2.7%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
-5.9%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
673.04×Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$64M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
6.65%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 30, 2026
45
days
EPS (TTM)
$6.63
P/E (TTM)
9.5
Fwd P/E
7.4
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
6.65%
5Y Avg Annual
$3.8480
Last Payment
$1.0500
Ex-Date
08/10/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest08/10/2026 | 08/14/2026 | $1.0500 | 6.65% |
05/11/2026 | 05/15/2026 | $1.0500 | 6.65% |
02/17/2026 | 02/21/2026 | $1.0500 | 6.65% |
11/10/2025 | 11/14/2025 | $1.0500 | 6.65% |
08/04/2025 | 08/08/2025 | $1.0400 | 6.58% |
05/09/2025 | 05/13/2025 | $1.0400 | 6.58% |
02/12/2025 | 02/16/2025 | $1.0400 | 6.58% |
11/12/2024 | 11/16/2024 | $1.0400 | 6.58% |
Magic Number
Shares needed to self-fund your next purchase
$63.20
Price
$1.0500
Last div. (quarterly)
61
shares
Own 61 OMF shares ($3,855.20) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$3,855.20
New shares / year
+4 shares
Dividend Calculator
6.65% yieldEstimate OMF dividend income at the current rate.
Per year
$664.56
Per month
$55.38
≈ 158.2 shares at $4.2/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
OMF vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About OneMain Holdings, Inc.
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.
Sector
Financial Services
Industry
Credit Services
Location
Evansville, United States
Employees
9,300
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OneMain Holdings, Inc. (OMF) stock trades at $63.20, up 0.72% on the day. With a market capitalization of $7.27 billion, OMF is a mid-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 9.5, a forward P/E of 7.4 and earnings per share (EPS) of $6.63. Over the most recent period the company reported a 3% year-over-year revenue decline and a net profit margin of 25.9%. Below you'll find OMF's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
OMF - Frequently Asked Questions
Is OneMain Holdings, Inc. (OMF) a good stock to buy in 2026?
OneMain Holdings, Inc. (OMF) shows strengths such as a strong 26% net margin and a 23% return on equity, while risks include declining revenue (-3%) and high leverage (debt/equity of 673.0). Whether OMF is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is OMF's stock price today?
OneMain Holdings, Inc. (OMF) trades at $63.20, up 0.72% on the session. Prices on this page update throughout the trading day.
Does OMF pay a dividend?
Yes. OneMain Holdings, Inc. pays an annual dividend of $4.20 per share, a dividend yield of 6.65%. The most recent ex-dividend date was August 10, 2026. Its payout ratio is about 63% of earnings.
Is OMF overvalued?
With a P/E ratio of 9.5×, OMF trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 0.75 (below 1, which can signal growth at a reasonable price). See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is OMF's market cap?
OneMain Holdings, Inc. (OMF) has a market capitalization of $7.27 billion, classifying it as a mid-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.