OneMain Holdings, Inc. (OMF) Stock: Price, Forecast & Analyst Target
OneMain Holdings, Inc. (OMF) — MoonshotScore 94/100 (Exceptional band), calculated Oct 26, 2026. Price $56.36 (+1.15%), as of the Oct 26, 2026 trading session; market cap $6.48B. Expected results Oct 30, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 2.92× (market value Oct 26, 2026; cash Jun 30, 2026) · expected results Oct 30, 2026
OneMain Holdings, Inc. · OMF · NYSE · Financial Services · Financial - Credit Services
Research dated 2026-09-13: OMF is a branch-and-digital consumer lender built around personal loans, with credit cards, insurance and membership products extending each customer relationship. Its equity story depends on whether rising lending revenue can keep producing durable profit while a leverage-heavy funding structure remains manageable.
Price as of Oct 26, 2026
Key Statistics
MoonshotScore v2 · OneMain Holdings (OMF)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and elite growth, at a dirt-cheap price, but a strained balance sheet, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Strained; Valuation: Cheap; Growth Durability: Compounding; Momentum: Slipping.
- quarterly revenue $1.63B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 8 of 8
- Altman Z 0.83 · Piotroski F 8
Holding back: weak price trend
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 94 | Exceptional | |
| 95 | Exceptional | |
| 94 | Exceptional | |
| 95 | Exceptional | |
| 95 | Exceptional | |
| 94 | Exceptional |
The score was 94 in the stored Oct 24, 2026 snapshot and remains 94 in the current publication computed Oct 26, 2026 (0); the largest pillar moves were Growth Durability -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $56.36 | |
| Change on the day | +1.15% | |
| 52-week range | $45.78–$71.93 | |
| Market capitalisation | $6.48B | |
| Price / earnings (trailing) | 8.37 | |
| Shares traded on the day | 1.32M | |
| Beta (volatility vs the S&P 500) | 1.21 | |
| Dividends per share (last 12 months) | $4.20 | |
| Dividend yield (last 12 months) | 7.45% |
Why OneMain Holdings scores 94
Quality and valuation read near the top. Weak momentum and safety readings reflect a consumer lender's risks.
What the price assumes
-28.9% a year of free-cash-flow growth for ten years is what a $6.42B market value asks for.
- Free cash flow, last 5 years: 7.2% a year
- Revenue, last 5 years: 4.8% a year
- Analysts' revenue path, 2026–2028: 11.7% a year
On cash flow, the price implies a steep decline. For a lender, that is a limit of the method.
Reverse discounted cash flow: 10% discount rate, 3% growth after year ten, starting from trailing twelve months free cash flow of $3.23B. Inputs: FMP statements, estimates and quote.
How the stock reacts to earnings
EPS beat in 12 of 12 reports; the stock still fell the next session after 8 of those beats. Average first-session move: 4.6% either way.
| Report | EPS | Revenue | Next session | 5 sessions |
|---|---|---|---|---|
| Beat | Beat | +1.9% | +5.3% | |
| Beat | In line | -6.1% | -4.6% | |
| Beat | In line | -2.5% | -9.6% | |
| Beat | Beat | +10.1% | +8.0% | |
| Beat | Beat | +1.0% | -3.7% | |
| Beat | Beat | -4.2% | -1.5% | |
| Beat | In line | -4.9% | -1.5% | |
| Beat | Beat | +4.6% | +14.7% | |
| Beat | Beat | -8.6% | -15.5% | |
| Beat | Beat | -0.2% | +1.2% | |
| Beat | Beat | -7.4% | -1.7% | |
| Beat | Beat | -4.2% | -0.8% |
OneMain beats routinely, and the shares often slip. Credit losses drive the reaction.
What management is saying differently
Management's own words on the Q2 FY2026 call () against Q1 FY2026 (). Analysts' questions are left out.
- New this call: “net charge”, “charge offs”, “strong growth”, “loan portfolio” — none of them came up in Q1 FY2026.
- Getting louder: “credit cards” (2 → 8 mentions), “long term” (1 → 8 mentions), “reserve rate” (4 → 8 mentions).
- Gone quiet: “net charge-offs”, “branch team”, “points year-over-year”, “competitive environment” — regular themes last call, absent this time.
- Hedging words (may, could, uncertain, headwind…): 2.1 per 1,000 words, from 4.9. Confidence words (record, strong, accelerating…): 5.9, from 5.
Management sounded more assured, with charge-offs and credit cards getting airtime.
Our track record on this stock
Since the score went from 99 to 94 while the share price moved -11.2%.
The score has stayed in the Exceptional band across the stretch we have recorded; we grade each band change three months after it happens.
The crowd against our signals
- Analysts: 71% of 31 rate it a buy; the average target sits +16.9% from today's price.
- Last 90 days: 7 rating actions, every one a reaffirmation.
- Our signals: Exceptional band; strongest pillar Business Quality (97), weakest Momentum (20).
Analysts and our model like the personal lender's returns. Consumer credit losses are the risk both keep in view.
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextCouncil Score · weighted blend of 2 available disciplines
Council score for OneMain Holdings (OMF): Strongly Bullish
82/100 · A+Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 3, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation
Read on: Oct 26, 2026
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
The Munger lens reads the current price as undervalued against its own estimate of value.
Readings on this page are from Oct 26, 2026, except a card that shows its own read date.
Watch the OMF film — every key number, told as a short cinematic story
~2 min · open the film
What is OneMain Holdings (OMF), and what does it report?
Short answer · as of
OMF sells consumer credit rather than a broad menu of banking services.
Research dated 2026-09-13.
OMF sells consumer credit rather than a broad menu of banking services. It originates, assesses and services secured and unsecured personal loans, then adds credit cards, protection products and memberships through a nationwide branch footprint and an online channel.
The reported accounts reflect that lender model: interest and ancillary-product economics feed revenue, while borrowings and investments are central operating balances. Cash flow, debt and investments therefore need to be read together with earnings rather than interpreted like the balance sheet of an industrial company.
What do the latest results show for OneMain Holdings (OMF)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.63B.
Research dated 2026-09-13.
The latest period extended revenue growth and lifted gross profit, yet operating profit, net income and diluted earnings retreated from the preceding period. That divergence matters more than the top-line increase: additional revenue was accompanied by a weaker conversion into shareholder earnings.
The broader record is less fragile than the latest comparison alone suggests. Annual revenue and net income recovered, operating cash generation remained positive across the displayed periods, and reported earnings have generally cleared expectations even when reported revenue did not.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.63B Jun 30, 2026
- Latest quarter · SG&A
- $448.00M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $523.00M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.63B | Not available | $448.00M | $523.00M |
| Mar 31, 2026 | $1.59B | Not available | $0.00 | $621.00M |
| Dec 31, 2025 | $1.61B | Not available | $288.00M | $249.00M |
| Sep 30, 2025 | $1.59B | Not available | $282.00M | $263.00M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.30B Jul 29, 2026
- Latest report · revenue estimate
- $1.28B Jul 29, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 29, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 29, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 29, 2026 | $1.30B | $1.28B | $1.3100 | $1.2600 |
| May 1, 2026 | $1.26B | $1.27B | $1.9500 | $1.9200 |
| Feb 5, 2026 | $1.29B | $1.30B | $1.5900 | $1.5500 |
| Oct 31, 2025 | $1.27B | $1.25B | $1.9000 | $1.6100 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.63B | $152M | $1.31 (diluted) |
| Q1 FY2026 | $1.59B | $226M | $1.93 (diluted) |
| Q4 FY2025 | $1.61B | $204M | $1.72 (diluted) |
| Q3 FY2025 | $1.59B | $199M | $1.67 (diluted) |
What are the financial strengths and risks for OneMain Holdings (OMF)?
Short answer
Cash and short-term investments were $2.22B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $800.00M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Recurring positive operating cash flow, a sizable cash reserve and an investment balance larger than total debt provide financial resources. The quality screen is also strong, and the dividend has remained steady across the recent payment record.
Leverage is still the defining financial risk. Cash and short-term investments cover only a limited share of debt, while most investments are long term and unclassified; treating that entire balance as immediately available liquidity would be aggressive. Because OMF lends directly to consumers, weaker borrower repayment would pressure earnings and cash generation while funding obligations remain.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $800.00M Jun 30, 2026
- Previous quarter · operating cash flow
- $739.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $800.00M | Not available |
| Mar 31, 2026 | $739.00M | Not available |
| Dec 31, 2025 | $865.00M | Not available |
| Sep 30, 2025 | $828.00M | Not available |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at OneMain Holdings (OMF)?
Short answer · as of
The next earnings report is expected on Oct 30, 2026.
Research dated 2026-09-13.
Watch whether revenue growth again reaches operating profit and net income, rather than stopping at gross profit. The scheduled earnings release also provides a test against expectations for higher earnings and revenue after the latest decline in profit conversion.
Funding deserves equal attention. Recent material agreements, the change in cash and short-term investments, debt relative to liquid resources, and the split between cash and long-term investments will show whether balance-sheet flexibility is improving. Continued operating cash generation would strengthen the case that the dividend is being supported by the lending franchise rather than by balance-sheet expansion.
How does OneMain Holdings compare with its peers?
Short answer
OneMain Holdings's score ranks 4th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
OMF differs from card-focused or digital-only consumer lenders through its combination of secured and unsecured personal loans, physical branches, online distribution, credit cards and protection products. The branch network gives underwriting and servicing a physical channel, while collateral such as automobiles can sit behind part of the loan book.
Compared with a diversified bank, OMF is more concentrated in household credit and related products. That concentration makes loan profitability, consumer repayment and funding conditions more consequential, while the ancillary offerings provide revenue opportunities beyond the loan contract itself.
| Company | Price | Market value | Score |
|---|---|---|---|
| $102.46 Oct 26, 2026 | $7.49B | 97 5-pillar Oct 26, 2026 | |
| $537.38 Oct 26, 2026 | $5.58B | 96 5-pillar Oct 26, 2026 | |
| $101.72 Oct 26, 2026 | $3.91B | 96 5-pillar Oct 26, 2026 | |
| OneMain Holdings (OMF) — this page | $56.36 | $6.48B | 94 |
| $9.97 Oct 26, 2026 | $4.99B | 91 5-pillar Oct 26, 2026 | |
| $71.46 Oct 26, 2026 | $6.31B | 89 5-pillar Oct 26, 2026 | |
| $127.44 Oct 26, 2026 | $4.46B | 89 5-pillar Oct 26, 2026 | |
| $160.41 Oct 26, 2026 | $10.2B | 87 5-pillar Oct 26, 2026 | |
| $170.03 Oct 26, 2026 | $4.04B | 84 5-pillar Oct 26, 2026 | |
| $74.83 Oct 26, 2026 | $24.0B | 78 5-pillar Oct 26, 2026 | |
| $122.41 Oct 26, 2026 | $4.41B | 72 5-pillar Oct 26, 2026 | |
| $175.27 Oct 26, 2026 | $7.49B | 64 5-pillar Oct 26, 2026 | |
| $96.56 Oct 26, 2026 | $8.75B | 64 5-pillar Oct 26, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $60.00 – $71.00
- Consensus target
- $65.25
- Median target
- $65.00
Consensus record · Captured .
Measured against a quoted price of $56.36 (as of Oct 26, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Aug 4, 2026
- Transactions
- 4
- Identified insiders
- 2
- Purchases
- 0
- Sales
- 4
- Other transactions
- 0
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 94.1% Period end Jun 30, 2026
- Previous quarter · ownership
- 87.1% Prior to period end Jun 30, 2026
- Reporting holders
- 545 Period end Jun 30, 2026
- Previous quarter · holders
- 511 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 10,396,805 |
| Brave Warrior Advisors, LLC | 7,585,152 |
| Aqr Capital Management LLC | 6,296,859 |
| Capital International Investors | 5,714,327 |
| Vanguard Portfolio Management LLC | 5,399,452 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about OneMain Holdings (OMF)?
- Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges
- Evercore ISI Group Maintains In-Line on OneMain Holdings, Lowers Price Target to $60
- OneMain Financial Group Data Breach Exposes Personal Information: Murphy Law Firm Investigates Legal Claims
OMF Financial Services Stock FAQ
Research dated 2026-09-13; the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
How does OMF earn money from personal loans and insurance?
OMF originates and services secured and unsecured personal loans, then extends customer economics through credit cards, insurance, asset-protection products and memberships. Revenue therefore reflects lending activity and ancillary products rather than loan volume alone.
Why does OMF hold substantial debt alongside investments?
Borrowings and invested assets are part of the operating structure of a consumer lender. The key distinction is liquidity: most of the investment balance is classified as long term and unclassified, while cash and short-term investments are much smaller than total debt.
Are OMF personal-loan earnings improving?
The longer trend shows annual revenue and net income recovering, but the latest period was mixed: revenue and gross profit advanced while operating profit, net income and diluted earnings declined from the preceding period. Positive operating cash flow and generally favorable earnings surprises provide support, though profit conversion remains the sharper test.
What could pressure the OMF dividend?
Sustained weakness in borrower repayment, profit conversion or operating cash generation would reduce the room supporting distributions, especially with substantial debt in the capital structure. The recent dividend has been steady, but its durability remains tied to the cash economics of the consumer-loan portfolio.
What is the OMF stock price today?
The last price recorded on this page for OneMain Holdings, Inc. (OMF) is $56.36, as of the Oct 26, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the OMF price target?
The analyst consensus price target for OneMain Holdings, Inc. (OMF) is $65.25 (range $60.00 to $71.00, median $65.00), per FMP data captured Oct 26, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (76 figures)
The 76 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Evansville, IN | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "601 N.W. Second Street, Evansville, IN, 47708, US". |
FMP — 66 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 30, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $56.36 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-26T21:04:40.309Z. | |
px.change | Change on the day | +1.15% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalization | $6.48B | FMP | Financial Modeling Prep (FMP) quote — Provider market cap uses the share class it prices; a company with more than one class may show a larger total elsewhere. Market cap record date: 2026-10-26. Source capture time was not supplied. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.64 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.63B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $45.78–$71.93 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 8.37 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 1.32M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.21 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Douglas H. Shulman | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 9,300 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $4.97B, net result $1.31B; FY2022 revenue $5.09B, net result $872.00M; FY2023 revenue $5.30B, net result $641.00M; FY2024 revenue $5.72B, net result $509.00M; FY2025 revenue $6.24B, net result $783.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Consumer Segment $166.41M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 63.6% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.63B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $448.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $523.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.59B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $621.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.61B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $288.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $249.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $1.59B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $282.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $263.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-29.revenue_actual | Revenue · reported — report date 2026-07-29 | $1.30B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-29.revenue_estimated | Revenue · estimate — report date 2026-07-29 | $1.28B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-29.eps_actual | EPS · reported — report date 2026-07-29 | $1.3100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-29.eps_estimated | EPS · estimate — report date 2026-07-29 | $1.2600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-01.revenue_actual | Revenue · reported — report date 2026-05-01 | $1.26B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-01.revenue_estimated | Revenue · estimate — report date 2026-05-01 | $1.27B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-01.eps_actual | EPS · reported — report date 2026-05-01 | $1.9500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-01.eps_estimated | EPS · estimate — report date 2026-05-01 | $1.9200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.revenue_actual | Revenue · reported — report date 2026-02-05 | $1.29B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.revenue_estimated | Revenue · estimate — report date 2026-02-05 | $1.30B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.eps_actual | EPS · reported — report date 2026-02-05 | $1.5900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.eps_estimated | EPS · estimate — report date 2026-02-05 | $1.5500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-31.revenue_actual | Revenue · reported — report date 2025-10-31 | $1.27B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-31.revenue_estimated | Revenue · estimate — report date 2025-10-31 | $1.25B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-31.eps_actual | EPS · reported — report date 2025-10-31 | $1.9000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-31.eps_estimated | EPS · estimate — report date 2025-10-31 | $1.6100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $2.22B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $800.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $23.39B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $22.77B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.93× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $800.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $739.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $865.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $828.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $60.00 – $71.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $65.25 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $65.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 4 transactions · 0 purchases, 4 sales, 0 other transactions · 2 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Aug 4, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 94.1% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 87.1% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 545 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 511 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 10,396,805 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Brave Warrior Advisors, LLC — shares in provider snapshot | 7,585,152 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Aqr Capital Management LLC — shares in provider snapshot | 6,296,859 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Capital International Investors — shares in provider snapshot | 5,714,327 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 5,399,452 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-24 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.83 · Piotroski F 8 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-24 · Expired observation |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 2.92× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $2.22B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-26. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $4.20 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-26, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 7.45% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-29.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.30B) with the recorded estimate ($1.28B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-29.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.3100) with the recorded estimate ($1.2600) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 94 of 100 · Exceptional · pillars 97 / 37 / 97 / 89 / 20 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 94 (stored snapshot Oct 24, 2026) → 94 (current publication computed Oct 26, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-29. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-29.revenue_actual,earn.history.depth.2026-07-29.revenue_estimated,earn.history.depth.2026-07-29.revenue_actual.comparison,earn.history.depth.2026-07-29.eps_actual.comparison,earn.history.depth.2026-07-29.eps_actual,earn.history.depth.2026-07-29.eps_estimated,earn.history.depth.2026-05-01.revenue_actual,earn.history.depth.2026-05-01.revenue_estimated,earn.history.depth.2026-05-01.eps_actual,earn.history.depth.2026-05-01.eps_estimated,earn.history.depth.2026-02-05.revenue_actual,earn.history.depth.2026-02-05.revenue_estimated,earn.history.depth.2026-02-05.eps_actual,earn.history.depth.2026-02-05.eps_estimated,earn.history.depth.2025-10-31.revenue_actual,earn.history.depth.2025-10-31.revenue_estimated,earn.history.depth.2025-10-31.eps_actual,earn.history.depth.2025-10-31.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m.
- Published
- Research standards
- Methodology · Editorial policy · Corrections
- Report a number
- sedat@stockexpertai.com
Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Sector / industry (provider taxonomy) | Financial Services / Financial - Credit Services The company's SEC filings classify it under SIC 6141 — Personal Credit Institutions. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Trailing twelve-month ratio set | Debt to equity: 6.73; Net margin: 12.2%; Gross margin: 63.6%; Operating margin: 25.8%; Return on assets: 2.8%; Return on equity: 23.1% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash, investments and debt | Total debt: $22.77B; Liquidity basis: cash and short-term investments; Total liabilities: $24.04B; Cash and short-term investments: $2.22B; Cash and investments: $25.61B; Long-term investments: $23.39B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Revenue by segment | Consumer Segment: $166.41M | 2014-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $25.61B; Cash and short-term investments: $2.22B; Long-term investments: $23.39B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-29 | FMP | Financial Modeling Prep (FMP) earnings |
| Most recent periodic reports | 2026-07-30 | OFFICIAL | SEC EDGAR filer submissions | |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Distress and quality screens | Altman Z-score: 0.85; Piotroski F-score: 8 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-10 | FMP | Financial Modeling Prep (FMP) dividend history |
| Dividend yield, last 12 months | 6.69% Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | 2026-09-11 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote |
| Next earnings report | Date: 2026-10-30; EPS estimate: $1.89 per share; Revenue estimate: $1.34B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Recent SEC filings |
| 2026-08-20 | OFFICIAL | SEC EDGAR filer submissions |
| Dividends per share, last 12 months (split-adjusted) | $4.20 Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-09-13, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | 2026-08-10 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history |
Data provided for informational purposes only.