A Business at a Glance
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BUSINESS OVERVIEW This report combines the Annual Reports on Form 10-K for the year ended December 31, 2025 for OneMain Holdings, Inc. (“OMH”), a publicly held financial service holding company, and its wholly-owned direct subsidiary, OneMain Finance Corporation (“OMFC”). OMFC is the issuing entity of our outstanding public debt securities and all of OMFC’s common stock is owned by OMH. The information in this combined report is equally applicable to OMH and OMFC, except where otherwise indicated. OMH and OMFC are referred to in this report, collectively with their subsidiaries, whether directly or indirectly owned, as “the Company,” “OneMain,” “we,” “us,” or “our.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 445M | 445M | 445M | 448M | 445M | - |
| Net Income | 783M | 783M | 509M | 641M | 872M | 1.3B |
| EPS | $6.56 | $6.56 | $4.24 | $5.32 | $7.01 | $9.88 |
| Free Cash Flow | 3.1B | 3.1B | 2.7B | 2.5B | 2.4B | 2.2B |
| ROIC | 3.1% | 3.1% | 2.1% | 2.8% | 4.1% | 6.3% |
| Gross Margin | -151.9% | -151.9% | -140.0% | -133.0% | -123.4% | - |
| Debt/Equity | 6.67 | 6.67 | 6.72 | 6.22 | 6.06 | 5.84 |
| Dividends/Share | $4.18 | $4.17 | $4.12 | $4.00 | $3.80 | $9.55 |
| Operating Income | 1.0B | 1.0B | 667M | 840M | 1.2B | 1.7B |
| Operating Margin | 224.9% | 224.9% | 149.9% | 187.5% | 259.6% | - |
| ROE | 23.0% | 23.8% | 16.0% | 20.1% | 28.8% | 43.3% |
| Shares Outstanding | 119M | 119M | 120M | 120M | 124M | 133M |
OneMain Holdings, Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
OneMain Holdings, Inc. trades at 8.7x trailing earnings, compared to its 15-year median P/E of 5.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 2.2x vs a median of 1.5x. The company's 5-year average ROIC is 3.7%. Total shareholder yield (dividends + buybacks) is 9.4%. At current prices, the estimated annualized return to fair value is +7.1%.
OneMain Holdings, Inc. (OMF) has a current P/E ratio of 8.7, compared to its historical median P/E of 5.8. The stock is currently considered Fair based on its historical valuation range.
OneMain Holdings, Inc. (OMF) has a 5-year average return on invested capital (ROIC) of 3.7%. This is below average and may indicate limited pricing power.
OneMain Holdings, Inc. (OMF) has a market capitalization of $6.8B. It is classified as a mid-cap stock.
Yes, OneMain Holdings, Inc. (OMF) pays a dividend with a trailing twelve-month yield of 7.35%. The company also returns capital through share buybacks, with a buyback yield of 2.08%.
Based on historical P/E analysis, OneMain Holdings, Inc. (OMF) appears fair. The current P/E of 8.7 is 50% above its historical median of 5.8. The estimated fair value CAGR (P/E method) is 3.5%.
OneMain Holdings, Inc. (OMF) operates in the Personal Credit Institutions industry, within the Financials sector.
OneMain Holdings, Inc. (OMF) reported annual revenue of $445 million in its most recent fiscal year, based on SEC EDGAR filings.
OneMain Holdings, Inc. (OMF) has a net profit margin of 176.0%. This is a strong margin indicating high profitability.
OneMain Holdings, Inc. (OMF) generated $3.1 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
OneMain Holdings, Inc. (OMF) has a debt-to-equity ratio of 6.67. This indicates higher leverage, which may increase financial risk.
OneMain Holdings, Inc. (OMF) reported earnings per share (EPS) of $6.56 in its most recent fiscal year.
OneMain Holdings, Inc. (OMF) has a return on equity (ROE) of 23.8%. This indicates the company generates strong returns for shareholders.
OneMain Holdings, Inc. (OMF) has a 5-year average gross margin of -137.1%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 15 years of financial data for OneMain Holdings, Inc. (OMF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
OneMain Holdings, Inc. (OMF) has a book value per share of $28.49, based on its most recent annual SEC filing.