What is OneMain Holdings, Inc.'s (OMF) StockRank?

MoatMap's StockRank for OneMain Holdings, Inc. (OMF) is 43/100, with a Hold signal. This is a composite score combining Quality (53), Value (49), and Momentum (33) factor ranks across MoatMap's 19,000+ stock universe.

Does OneMain Holdings, Inc. have an economic moat?

OneMain Holdings, Inc. (OMF) has a Quality factor score of 53/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is OneMain Holdings, Inc. a buy, hold, or sell?

MoatMap's current signal for OneMain Holdings, Inc. (OMF) is Hold, based on a StockRank of 43/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is OneMain Holdings, Inc. in?

OneMain Holdings, Inc. (OMF) operates in the Financial Services sector, specifically the Credit Services industry (United States).

Company Deep Dive

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OMF

HOLDREMOVE

OneMain Holdings, Inc. · Financial Services · United States · $6.2B · Avg Vol: $64M/d

StockRank

P/E (TTM)

8.5x

ROE

23.9%

D/E

6.6x

Dividend %

7.4%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

OneMain Holdings is a subprime consumer lender. It is highly cyclical and vulnerable to credit quality deterioration in a high-interest-rate environment, failing our quality compounder criteria.

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

Year	2022	2023	2024	2025	CAGR
Revenue	4.2B	4.3B	4.5B	5.0B	5.8%
EPS	7.25	5.35	4.26	6.68	-2.7%
Shares	135M	135M	135M	136M	+0.6%
Debt	18.3B	19.8B	21.4B	22.7B	7.5%
Equity	3.0B	3.2B	3.2B	3.4B	4.1%
Op CF	2.4B	2.5B	2.7B	3.1B	9.5%
Inv CF	-2.1B	-2.9B	-3.3B	-3.2B	—
Fin CF	-326M	932M	161M	500M	—

PRICE (1M)+4.5%

SMA 50SMA 200

$57.67

RSI (14)

64.6

52W High

$69.28

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

3.0%*67.1

ROE

23.9%90.2

GP/Assets

10.4%73.4

Op. Margin

37.4%56.2

FCF/Assets

—N/A

Piotroski

—67.9

Int. Cover

—N/A

D/E Ratio

6.63x4.4

Current Ratio

—N/A

Value

P/E (TTM)

8.5x76.7

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.9x22.2

P/S

2.2x70.5

Div Yield

7.4%87.2

Momentum

52W High %

83%31.9

RS 6M

-22%18.7

SMA 50/200

0.97x24.7

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+30%59.3

Q Growth

6%38.6

FUNDAMENTALS

Market Cap

$6.2B

P/E (Forward)

6.5x

Gross Margin

93.4%

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)	$6.2B	43	HOLD
NNI	Nelnet, Inc.	$4.7B	36	HOLD
SLMBP	SLM Corporation	$4.9B	31	SELL
ALLY	Ally Financial Inc.	$13.1B	48	HOLD
AGM	Federal Agricultural Mortgage Corporation	$1.9B	37	HOLD
CACC	Credit Acceptance Corporation	$5.9B	73	BUY
SYF	Synchrony Financial	$24.0B	36	HOLD
AFRM	Affirm Holdings, Inc.	$24.4B	31	SELL
2PP.DE	PayPal Holdings, Inc.	$39.8B	46	HOLD
SEZL	Sezzle Inc.	$4.0B	76	BUY

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

OneMain Holdings, Inc. (OMF) — Stock Score Summary

OneMain Holdings, Inc. (OMF) has a MoatMap StockRank of 43/100 based on Quality (53/100), Value (49/100), and Momentum (33/100) factor scores. The current signal is HOLD. OneMain Holdings is a subprime consumer lender. It is highly cyclical and vulnerable to credit quality deterioration in a high-interest-rate environment, failing our quality compounder criteria.

Key Financial Metrics

Price	$57.67
Market Cap	$6.2B
P/E (TTM)	8.45
P/E (Forward)	6.52
Price/Book	1.94
Return on Equity	23.9%
Debt/Equity	663.19
Gross Margin	93.4%
Operating Margin	37.4%
Revenue Growth	9.1%
Dividend Yield	7.4%

OneMain Holdings, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is OneMain Holdings, Inc.’s (OMF) StockRank?: MoatMap’s StockRank for OneMain Holdings, Inc. (OMF) is 43/100, with a Hold signal. It is a composite of Quality (53), Value (49), and Momentum (33) factor ranks across MoatMap’s 19,000+ stock universe.
Does OneMain Holdings, Inc. have an economic moat?: OneMain Holdings, Inc. (OMF) has a Quality factor score of 53/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is OneMain Holdings, Inc. a buy, hold, or sell?: MoatMap’s current signal for OneMain Holdings, Inc. (OMF) is Hold, based on a StockRank of 43/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is OneMain Holdings, Inc. in?: OneMain Holdings, Inc. (OMF) operates in the Financial Services sector, specifically the Credit Services industry (United States).