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Earnings transcript
Read the complete earnings call transcript.
OMF
OneMain Holdings, Inc.
$55.8
1.74
(3.22%)
| Exchange: | NYSE |
| Market Cap: | 6.447B |
| Shares Outstanding: | 111.632M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Douglas H. Shulman | |||||
| Full Time Employees: | 9000 | |||||
| Address: |
| |||||
| Website: | https://www.onemainfinancial.com |
OneMain Holdings, Inc. functions as a financial services holding company, primarily engaged in consumer lending and the provision of insurance products. The firm is responsible for originating, assessing, and servicing personal loans, which may be secured by collateral such as automobiles or other titled property, or they may be unsecured. Additionally, the company provides credit cards and a diverse portfolio of insurance offerings, encompassing life, disability, and job loss coverage. They also offer optional non-credit insurance, guaranteed asset protection (available as a waiver or insurance policy), and various membership programs. With a physical footprint of around 1,400 locations across 44 states in the United States, along with an active online platform at onemainfinancial.com, the company reaches its customers. Established in 1912 and based in Evansville, Indiana, the entity was formerly known as Springleaf Holdings, Inc., adopting its current name, OneMain Holdings, Inc., in November 2015.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 5,299,000 | 5,722,000 | 6,242,000 |
| Gross Profit | 2,559,000 | 2,497,000 | 2,973,000 |
| EBITDA | 1,097,000 | 944,000 | 1,288,000 |
| Operating Income | 840,000 | 667,000 | 1,001,000 |
| Net Income | 641,000 | 509,000 | 783,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 24,294,000 | 25,910,000 | 27,388,000 |
| Total Liabilities | 21,108,000 | 22,719,000 | 23,987,000 |
| Total Stockholders Equity | 3,186,000 | 3,191,000 | 3,401,000 |
| Total Debt | 19,813,000 | 21,438,000 | 22,694,000 |
| Cash and Cash Equivalents | 1,014,000 | 458,000 | 914,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 2,519,000 | 2,699,000 | 3,130,000 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 2,519,000 | 2,699,000 | 3,130,000 |
| Net Income | 641,000 | 509,000 | 782,000 |
| Net Change in Cash | 589,000 | -437,000 | 489,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 6,090,786.550 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 6,090,928.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 6,090,857.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,534,699.221 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,534,735.076 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,534,717.149 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,205,076.749 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,238,070.357 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,221,573.553 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 1,172,604.159 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 1,172,631.555 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 1,172,617.857 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 10.240 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 10.380 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 10.100 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: OMF has demonstrated consistent revenue growth as per the latest income statements, reflecting robust demand for its financial services within the consumer lending sector. This aligns with positive industry trends in personal finance and lending.
- Healthy Profitability Metrics: Key metrics such as net profit margin (TTM) and return on equity (ROE TTM) indicate efficient operations and strong profitability compared to industry averages, showcasing OMF's ability to generate value for shareholders.
- Stable Dividend Yield: With a competitive dividend yield (TTM) as reported in key metrics, OMF offers an attractive return to income-focused investors, supported by consistent net income and cash flow generation.
- Operational Scale: As evidenced by the company profile data, OMF's significant market capitalization and large employee base reflect a well-established presence in the financial services industry, providing economies of scale and operational resilience.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates OMF intrinsic value between $149.75 – $330.67 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about OMF valuation
Is OneMain Holdings, Inc. (OMF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for OneMain Holdings, Inc. (OMF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is OMF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether OMF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is OMF’s P/E ratio?
You can see OMF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for OMF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is OMF a good long-term investment?
Whether OMF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
OMF
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Daily snapshot
3.22
Trading Metrics:
| Open: | 54.87 | Previous Close: | 54.06 | |
| Day Low: | 54.23 | Day High: | 56.4 | |
| Year Low: | 45.78 | Year High: | 71.93 | |
| Price Avg 50: | 55.52 | Price Avg 200: | 59.12 | |
| Volume: | 877856 | Average Volume: | 1.362M |
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Welcome to MARKETSNAP’s SWOT analysis for OneMain Holdings, or OMF as you might see it ticker-wise. Today, we’re diving deep into this financial services player to break down what makes it tick, where it’s struggling, and what the future might hold for long-term investors like you. If you’re looking to build wealth through smart, strategic investments, stick with me as we unpack the strengths, weaknesses, opportunities, and threats for OneMain Holdings. Let’s get started! Quick Overview of OneMain Holdings For…
