OneMain Holdings, Inc. logo

OneMain Holdings, Inc.

OMF

NYSEFinancial ServicesFinancial - Credit Services

Previous close

$63.19

+$1.49 · +2.41%

Aug 21, 4:00 PM ET

OMF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

99

Deep Value

Momentum

47

Neutral

Sentiment

49

Mixed

Risk resilience

66

Moderate Risk

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Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Douglas H. Shulman
Listed since
Oct 16, 2013
Employees
9,300

Market position

Day range

Current $63.19

52-week range

Current $63.19

Open
$62.23
Previous close
$61.70
Volume
398.81K
0.37× average
Average volume
1.07M
Average daily volume
Market cap
7.3B USD
Beta
1.19
Market reference 1
50-day average
$61.1498
+3.34% above average
200-day average
$59.7792
+5.71% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
29.81B USD
P/E (TTM)
9.49×
P/B (TTM)
2.16×
P/S (TTM)
1.14×
EV / EBITDA
23.14×
Earnings yield
9.75%
Free cash flow yield
38.99%
Dividend yield
6.65%

Profitability & efficiency

Gross margin
63.63%
Operating margin
25.80%
Net margin
12.17%
Return on equity
23.02%
Return on assets
2.86%
Return on invested capital
2.86%

Financial health

Debt / equity
6.73×
Current ratio

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends75%51%27%3%Gross margin, FY2021: 69.23%Gross margin, FY2022: 54.94%Gross margin, FY2023: 48.29%Gross margin, FY2024: 43.64%Gross margin, FY2025: 47.63%Operating margin, FY2021: 35.01%Operating margin, FY2022: 22.69%Operating margin, FY2023: 15.85%Operating margin, FY2024: 11.66%Operating margin, FY2025: 16.04%Net margin, FY2021: 26.42%Net margin, FY2022: 17.13%Net margin, FY2023: 12.10%Net margin, FY2024: 8.90%Net margin, FY2025: 12.54%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 69.23%. Gross margin FY2022 54.94%. Gross margin FY2023 48.29%. Gross margin FY2024 43.64%. Gross margin FY2025 47.63%. Operating margin FY2021 35.01%. Operating margin FY2022 22.69%. Operating margin FY2023 15.85%. Operating margin FY2024 11.66%. Operating margin FY2025 16.04%. Net margin FY2021 26.42%. Net margin FY2022 17.13%. Net margin FY2023 12.10%. Net margin FY2024 8.90%. Net margin FY2025 12.54%.

Income trends

Revenue

6.24B USD+9.09%

Operating income

1B USD+50.07%

Net income

783M USD+53.83%
Income trends across reported periods6.82B USD4.52B USD2.23B USD−64.3M USDRevenue, FY2021: 4.97B USDRevenue, FY2022: 5.09B USDRevenue, FY2023: 5.3B USDRevenue, FY2024: 5.72B USDRevenue, FY2025: 6.24B USDOperating income, FY2021: 1.74B USDOperating income, FY2022: 1.16B USDOperating income, FY2023: 840M USDOperating income, FY2024: 667M USDOperating income, FY2025: 1B USDNet income, FY2021: 1.31B USDNet income, FY2022: 872M USDNet income, FY2023: 641M USDNet income, FY2024: 509M USDNet income, FY2025: 783M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 4.97B USD. Revenue FY2022 5.09B USD. Revenue FY2023 5.3B USD. Revenue FY2024 5.72B USD. Revenue FY2025 6.24B USD. Operating income FY2021 1.74B USD. Operating income FY2022 1.16B USD. Operating income FY2023 840M USD. Operating income FY2024 667M USD. Operating income FY2025 1B USD. Net income FY2021 1.31B USD. Net income FY2022 872M USD. Net income FY2023 641M USD. Net income FY2024 509M USD. Net income FY2025 783M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue6.24B USD5.72B USD5.3B USD5.09B USD4.97B USD
Cost of goods sold3.27B USD3.23B USD2.74B USD2.29B USD1.53B USD
Gross profit2.97B USD2.5B USD2.56B USD2.8B USD3.44B USD
Selling, general, and administrative1.12B USD1.07B USD1.04B USD994M USD1.02B USD
Operating expenses1.97B USD1.83B USD1.72B USD1.64B USD1.7B USD
Interest income5.46B USD4.99B USD4.56B USD4.44B USD4.36B USD
Interest expense1.27B USD1.19B USD1.02B USD892M USD937M USD
Depreciation and amortization287M USD277M USD257M USD262M USD264M USD
Operating income1B USD667M USD840M USD1.16B USD1.74B USD
Net income783M USD509M USD641M USD872M USD1.31B USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$65.33

3.39% upside
Past 12 months12-month forecastHigh $70.00Average $65.33Low $60.00

Rating distribution

31 ratings
Strong buy00%
Buy2271%
Hold826%
Sell13%
Strong sell00%

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$4.17

2025 complete year-56.3% since 2021

2026 partial: $3.15

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 10, 2026

$1.05

Quarterly

Record Aug 10, 2026 · Payment Aug 14, 2026

Dividend

Ex-dividend May 11, 2026

$1.05

Quarterly

Record May 11, 2026 · Payment May 15, 2026

Dividend

Ex-dividend Feb 17, 2026

$1.05

Quarterly

Record Feb 17, 2026 · Payment Feb 23, 2026

Dividend

Ex-dividend Nov 10, 2025

$1.05

Quarterly

Record Nov 10, 2025 · Payment Nov 14, 2025

Dividend

Ex-dividend Aug 4, 2025

$1.04

Quarterly

Record Aug 4, 2025 · Payment Aug 13, 2025

Dividend

Ex-dividend May 9, 2025

$1.04

Quarterly

Record May 9, 2025 · Payment May 16, 2025

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