Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OMF
HOLDOneMain Holdings, Inc. · Financial Services · United States · $6.9B · Avg Vol: $73M/d
COMPANY DESCRIPTION
OneMain Holdings, Inc. is a leading non-prime consumer finance company in the United States, providing personal loans, credit cards, and insurance products. The company operates a vast branch network combined with digital channels, leveraging over a century of proprietary underwriting data to price risk effectively. Its competitive moat lies in its localized relationship-based lending model and robust risk-mitigation capabilities.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.2B | 4.3B | 4.5B | 5.0B | 5.8% | 3.0B | 5.3B | 5.7B | 6.9% |
| EPS | 7.25 | 5.35 | 4.26 | 6.68 | -2.7% | 6.70 | 7.11 | 8.63 | 13.6% |
| Shares | 121.0M | 119.8M | 119.4M | 117.2M | -3.2% | 115.5M | — | — | — |
| Debt | 18.3B | 19.8B | 21.4B | 22.7B | 7.5% | 22.4B | — | — | — |
| Equity | 3.0B | 3.2B | 3.2B | 3.4B | 4.1% | — | — | — | — |
| Op CF | 2.4B | 2.5B | 2.7B | 3.1B | 9.5% | 3.2B | — | — | — |
| Inv CF | -2.1B | -2.9B | -3.3B | -3.2B | — | — | — | — | — |
| Fin CF | -326.0M | 932.0M | 161.0M | 500.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OMF are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OMF | OneMain Holdings, Inc.(you) | $6.9B | 48 | HOLD |
| ALLY | Ally Financial Inc. | $13.1B | 45 | HOLD |
| NNI | Nelnet, Inc. | $4.8B | 39 | HOLD |
| SLMBP | SLM Corporation | $4.9B | 38 | HOLD |
| CACC | Credit Acceptance Corporation | $6.0B | 65 | HOLD |
| FCFS | FirstCash Holdings, Inc. | $8.6B | 64 | HOLD |
| AGM | Federal Agricultural Mortgage Corporation | $2.3B | 51 | HOLD |
| SYF | Synchrony Financial | $23.7B | 51 | HOLD |
| ENVA | Enova International, Inc. | $5.9B | 74 | BUY |
| SEZL | Sezzle Inc. | $5.2B | 74 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%