OneMain Holdings Inc (OMF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
OneMain Holdings Inc stock (OMF) is currently trading at $53.08. OneMain Holdings Inc PE ratio is 8.12. OneMain Holdings Inc PS ratio (Price-to-Sales) is 2.11. Analyst consensus price target for OMF is $70.71. WallStSmart rates OMF as Strong Buy.
- OMF PE ratio analysis and historical PE chart
- OMF PS ratio (Price-to-Sales) history and trend
- OMF intrinsic value — DCF, Graham Number, EPV models
- OMF stock price prediction 2025 2026 2027 2028 2029 2030
- OMF fair value vs current price
- OMF insider transactions and insider buying
- Is OMF undervalued or overvalued?
- OneMain Holdings Inc financial analysis — revenue, earnings, cash flow
- OMF Piotroski F-Score and Altman Z-Score
- OMF analyst price target and Smart Rating
OneMain Holdings Inc
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OMF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · OneMain Holdings Inc (OMF)
OMF trades at a significant discount to its Graham intrinsic value of $307.01, offering a 80% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
OneMain Holdings Inc (OMF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, operating margin. Overall metrics suggest strong investment potential with favorable risk/reward.
OneMain Holdings Inc (OMF) Key Strengths (8)
Growing significantly faster than its price suggests
Keeps $34 of every $100 in revenue after operating costs
Earnings per share surging 63.70% year-over-year
Keeps $26 of every $100 in revenue as net profit
94.27% of shares held by major funds and institutions
Every $100 of equity generates $24 in profit
Trading at 1.83x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
OneMain Holdings Inc (OMF) Areas to Watch (2)
Revenue is fairly priced at 2.11x sales
Solid revenue growth at 12.20% per year
OneMain Holdings Inc (OMF) Detailed Analysis Report
Overall Assessment
This company scores 85/100 in our Smart Analysis, earning a A grade. Out of 10 metrics analyzed, 8 register as strengths (avg 9.3/10) while 2 fall into concern territory (avg 6.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, EPS Growth. Valuation metrics including PEG Ratio (0.61), Price/Book (1.83) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 23.80%, Operating Margin at 33.70%, Profit Margin at 26.30%. Growth metrics are encouraging with EPS Growth at 63.70%.
The Bear Case
The primary concerns are Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (2.11) suggest expensive pricing. Growth concerns include Revenue Growth at 12.20%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 23.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 12.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OMF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OMF's Price-to-Sales ratio of 2.11x trades 90% above its historical average of 1.11x (96th percentile), historically expensive. The current valuation is 5% below its historical high of 2.22x set in Dec 2015, and 339% above its historical low of 0.48x in Apr 2020. Over the past 12 months, the PS ratio has expanded from ~1.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for OneMain Holdings Inc (OMF) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
OneMain Holdings Inc is a mature, profitable business with steady cash generation. Revenue reached 3.0B with 12% growth year-over-year. Profit margins are strong at 26.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 2380.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 26.3% and operating margin of 33.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 7.9%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact OneMain Holdings Inc.
Bottom Line
OneMain Holdings Inc is a well-established business delivering consistent profitability with 26.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About OneMain Holdings Inc(OMF)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
OneMain Holdings, Inc., a financial services holding company, is in the consumer finance and insurance businesses. The company is headquartered in Evansville, Indiana.