OMF
Financial ServicesOneMain Holdings, Inc. · Financial - Credit Services · $6B
What is OneMain Holdings, Inc.?
OneMain Holdings is a consumer finance company focused on personal loans and insurance products for everyday Americans. Operating from Evansville, Indiana, it serves borrowers who are often underserved by traditional banks.
OneMain originates, underwrites, and services personal loans — both secured by vehicles or other titled collateral and unsecured. It also issues credit cards and offers a suite of insurance products, including life, disability, and involuntary unemployment coverage. Revenue is generated primarily through interest income on its loan portfolio, supplemented by insurance premiums and membership plan fees. The company reaches customers through roughly 1,400 branch offices across 44 states and its digital platform at onemainfinancial.com.
OneMain traces its roots to 1912 and operates today under its current name following a rebrand in November 2015.
- Secured and unsecured personal loans
- Credit cards for non-prime consumers
- Life, disability, and unemployment insurance
- Guaranteed asset protection (GAP) coverage
- Membership and optional non-credit insurance plans
Is OMF a Good Stock to Buy?
UQS Score rates OMF as Below Average overall, reflecting meaningful headwinds that investors should weigh carefully.
On the positive side, the Quality pillar lands in Good territory, suggesting the business generates reasonable returns relative to its cost structure. Valuation is rated Attractive, meaning the stock may be priced at a discount compared to its fundamentals — a potential entry point for patient investors.
The Moat and Risk pillars are both rated Weak, indicating limited competitive differentiation and above-average exposure to credit and macro risks. Growth is Neutral, pointing to a business without a clear near-term expansion catalyst.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does OMF pay dividends?
Yes — OneMain Holdings, Inc. pays a dividend.
OneMain pays a regular dividend, which is notable for a mid-cap consumer lender. The company's cash generation from its loan portfolio supports this distribution. Income-oriented investors often weigh OMF's yield against its elevated credit risk profile. Dividend sustainability depends heavily on loan performance and broader economic conditions.
When does OMF report earnings?
OneMain Holdings reports earnings on a quarterly cadence, typical for US-listed financial companies.
Results tend to be driven by net interest income, credit loss provisions, and insurance segment contributions. Loan origination volumes and charge-off trends are the metrics most closely watched by the market each quarter.
For the most recent quarter's results, visit OneMain Holdings' investor relations page at ir.onemainfinancial.com.
OMF Price History
+59.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in OneMain Holdings, Inc.?
Based on OneMain Holdings, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
OMF Long-term Outlook
The UQS Growth pillar sits at Neutral, suggesting OneMain is not expected to dramatically expand its loan book or revenue base in the near term. The Weak Risk rating reflects the company's exposure to non-prime borrowers, whose credit performance tends to deteriorate faster during economic slowdowns. The Attractive Valuation label indicates the market may already be pricing in some of these concerns, leaving room for upside if credit conditions stabilize.
Growth drivers
- Expansion of digital lending capabilities through onemainfinancial.com
- Cross-selling insurance and credit card products to existing loan customers
- Continued demand for personal credit among non-prime consumers
Key risks
- Rising charge-offs if unemployment increases or consumer finances weaken
- Higher funding costs compressing net interest margins
- Limited moat makes it difficult to defend market share against fintech competitors
OMF vs Peers
OneMain operates in a competitive consumer and specialty finance landscape alongside a range of lenders and credit-focused investment vehicles.
A fixed-income instrument from a global alternative asset manager, representing a very different risk and return profile compared to OMF's equity.
A business development company focused on middle-market lending, targeting corporate borrowers rather than individual consumers.
Specializes in auto loan financing for consumers with limited credit history, competing with OMF's secured vehicle loan products.
Frequently Asked Questions
What does OneMain Holdings do?
OneMain Holdings is a consumer finance company that originates and services personal loans — both secured and unsecured — primarily for non-prime borrowers. It also offers credit cards, life and disability insurance, and GAP coverage through roughly 1,400 branch locations and its online platform.
Does OMF pay dividends?
Yes, OneMain Holdings pays a regular dividend. The company's loan portfolio generates cash flow that supports distributions to shareholders. However, dividend sustainability is tied to credit performance and economic conditions, so income investors should monitor charge-off trends alongside yield.
When does OMF report earnings?
OneMain reports on a quarterly cadence, as is standard for US-listed financial companies. For exact dates and the most recent results, check OneMain's investor relations page directly rather than relying on third-party estimates.
Is OMF a good stock to buy?
The UQS Score rates OMF as Below Average overall. While the Valuation pillar is Attractive and Quality is Good, the Weak Moat and Weak Risk ratings highlight real concerns. Whether it fits your portfolio depends on your risk tolerance and investment horizon. View the full pillar breakdown on UQS Pro.
Is OMF overvalued?
The UQS Valuation pillar rates OMF as Attractive, suggesting the stock is not overvalued relative to its fundamentals. The market appears to be pricing in the company's credit and competitive risks. That said, Attractive valuation alone does not offset Weak scores in Moat and Risk.
How does OMF compare to its competitors?
OneMain focuses on direct-to-consumer personal lending, which sets it apart from business-development companies like Blue Owl Capital and fixed-income instruments like Carlyle's subordinated notes. Credit Acceptance Corporation is the closest operational peer, competing in secured auto lending for non-prime borrowers.
What is OMF's market cap bracket?
OneMain Holdings is classified as a mid-cap company. This places it in a range where it has meaningful scale but lacks the balance sheet depth and diversification of large-cap financial institutions.
Who founded OneMain Holdings?
The business traces its origins to 1912, making it one of the older consumer finance operations in the United States. It operated under the Springleaf Holdings name before rebranding to OneMain Holdings in November 2015. Founding context is widely available through public company filings.
Is OMF a long-term quality investment?
As a long-term quality indicator, OMF's UQS profile is mixed. The Good Quality rating suggests reasonable operational fundamentals, but the Weak Moat means the company may struggle to sustain competitive advantages over time. Long-term holders should weigh the Attractive valuation against ongoing credit cycle risks.
What is the main competitive advantage of OneMain Holdings?
OneMain's primary advantage is its extensive branch network and decades of experience underwriting non-prime consumer credit. Its physical presence in 44 states provides local reach that pure digital lenders lack. However, the UQS Moat pillar rates this advantage as Weak, suggesting it may not be durable.
What sector does OMF belong to?
OneMain Holdings operates in the Financial Services sector, specifically within consumer lending and insurance. It targets borrowers who fall outside the credit profiles accepted by mainstream banks, making it a specialty finance company rather than a traditional depository institution.
Is OMF a growth stock or value stock?
Based on UQS pillar labels, OMF leans toward value. The Growth pillar is Neutral, indicating limited near-term expansion momentum, while the Valuation pillar is Attractive — a combination more consistent with a value-oriented profile than a high-growth one.
Unlock Full OMF Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View exact scores across all five UQS pillars
- ✓Access detailed financial metrics and trend data
- ✓Compare OMF against sector peers side by side
- ✓See the complete risk and valuation breakdown
- ✓Get alerts when OMF's UQS Score changes
- ✓Explore curated screens for income and value stocks
Pro Analysis
OMF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 4, 2026 | 46.9 | 72.6 | 30.0 | 46.4 | 0.0 | 80.0 | 0.0 |
| Apr 18, 2026 | 46.9 | 72.6 | 30.0 | 46.5 | 0.0 | 80.0 | -3.0 |
| Apr 2, 2026 | 49.9 | 72.6 | 30.0 | 46.5 | 0.0 | 100.0 | — |
OMF — Pillar Breakdown
Quality
— 75.9/100 (25%)OneMain Holdings, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 46.1/100 (20%)OneMain Holdings, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 0.1/100 (15%)OneMain Holdings, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.1/100 (15%)OneMain Holdings, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 30/100 (25%)OneMain Holdings, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for OMF.
Score Composition
Financial Data
More Stock Analysis
How is the OMF UQS Score Calculated?
The UQS (Unified Quality Score) for OneMain Holdings, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses OneMain Holdings, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether OneMain Holdings, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.