-1.80%
8.10%
13.46%
7.84%
18.39%
9.09%
33.01%
AI Spotlight on OMF
Company Description
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses.The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured.The company also offers credit cards and insurance products comprising life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans.
It operates through a network of approximately 1,400 branch offices in 44 states in the United States, as well as through its website onemainfinancial.com.The company was formerly known as Springleaf Holdings, Inc.and changed its name to OneMain Holdings, Inc.
in November 2015.OneMain Holdings, Inc.was founded in 1912 and is based in Evansville, Indiana.
Market Data
| Last Price | 56.35 |
| Change Percentage | -1.80% |
| Open | 55.5 |
| Previous Close | 57.39 |
| Market Cap ( Millions) | 6726 |
| Volume | 1131713 |
| Year High | 58.9 |
| Year Low | 41.7 |
| M A 50 | 54.89 |
| M A 200 | 50.17 |
Financial Ratios
| FCF Yield | 39.12% |
| Dividend Yield | 7.31% |
| ROE | 17.18% |
| Debt / Equity | 658.88% |
| Net Debt / EBIDTA | 567.00% |
| Price To Book | 2.1 |
| Price Earnings Ratio | 12.31 |
| Price To FCF | 2.56 |
| Price To sales | 1.26 |
| EV / EBITDA | 7.5 |
News
- 11:30 - ONEMAIN HOLDINGS, INC. REPORTS FOURTH QUARTER 2024 RESULTS
- Jan -28 - 3 Stocks to Watch From the Challenging Consumer Loan Industry
- Jan -10 - OneMain Holdings Announces Date of Fourth Quarter 2024 Earnings Release and Conference Call
- Jan -09 - KBRA Assigns Preliminary Ratings to OneMain Direct Auto Receivables Trust 2025-1
- Jan -09 - Will OneMain (OMF) Beat Estimates Again in Its Next Earnings Report?
- Dec -30 - OneMain Financial: Strong Dividend Stability In Uncertain Economic Times
- Dec -04 - Figure Technology Solutions Appoints Macrina Kgil as Chief Financial Officer
- Nov -17 - November's 5 Dividend Growth Stocks With 4.91%+ Yields
- Nov -07 - Payday Loans Market Report 2024, Featuring Profiles of Check Into Cash, Kotak Mahindra Bank, OneMain Holdings, Advance America and ACE Cash Express
- Nov -02 - OneMain Holdings: Solid Q3 Reduces Credit Loss Fears
- Oct -30 - OneMain Holdings, Inc. (OMF) Q3 2024 Earnings Call Transcript
- Oct -30 - OneMain (OMF) Reports Q3 Earnings: What Key Metrics Have to Say
- Oct -30 - OneMain Holdings (OMF) Beats Q3 Earnings and Revenue Estimates
- Oct -30 - ONEMAIN HOLDINGS, INC. REPORTS THIRD QUARTER 2024 RESULTS
- Oct -21 - Rate Cuts To Boost OneMain Financial
- Oct -08 - OneMain Holdings Announces Date of Third Quarter 2024 Earnings Release and Conference Call
- Sep -03 - OneMain Holdings to Present at Barclays Global Financial Services Conference
- Aug -25 - 4 Low-Risk Dividend Stocks Offering Ultra-High Yields
- Aug -18 - August's 5 Dividend Growth Stocks With 5.22%+ Yields
- Aug -07 - OneMain Financial: Stock Still A Buy Despite Economic Weakness
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Consumer and Insurance
Expected Growth : 7.03 %
What the company do ?
OneMain Holdings, Inc.'s Consumer and Insurance segment offers personal loans and insurance products to individuals, providing financial solutions for unexpected expenses and long-term financial goals.
Why we expect these perspectives ?
OneMain Holdings, Inc.'s 7.03% growth in Consumer and Insurance segments is driven by increasing demand for personal loans, expansion of online lending platforms, and strategic partnerships. Additionally, favorable regulatory environments, rising consumer spending, and effective risk management practices contribute to the growth.
Segment n°2 -> Other
Expected Growth : 7.03 %
What the company do ?
Other from OneMain Holdings, Inc. refers to the residual category of non-interest income, including fees, gains on sales, and other miscellaneous income.
Why we expect these perspectives ?
OneMain Holdings' 7.03% growth is driven by increasing demand for personal loans, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digital transformation, improved operational efficiency, and effective risk management have contributed to its growth. Furthermore, the rise of fintech and online lending platforms has created opportunities for OneMain to diversify its product offerings and reach a broader customer base.
Segment n°3 -> Adjustment
Expected Growth : 7.4 %
What the company do ?
OneMain Holdings, Inc.'s adjustment refers to the company's accounting adjustments, such as provision for loan losses, to reflect the true financial performance.
Why we expect these perspectives ?
OneMain Holdings, Inc.'s 7.4% growth is driven by increasing consumer lending demand, expansion of online lending platforms, and strategic acquisitions. Additionally, the company's focus on subprime lending and diversified product offerings contribute to its growth momentum. Furthermore, effective cost management and operational efficiencies also support the company's growth trajectory.
Onemain Holdings, Inc. Products
| Product Range | What is it ? |
|---|---|
| Personal Loans | OneMain Holdings, Inc. offers personal loans to individuals for various purposes such as debt consolidation, home improvement, and unexpected expenses. |
| Auto Loans | OneMain Holdings, Inc. provides auto loans to individuals for purchasing new or used vehicles. |
| Insurance Products | OneMain Holdings, Inc. offers various insurance products, including life insurance, accidental death insurance, and involuntary unemployment insurance. |
| Credit Cards | OneMain Holdings, Inc. issues credit cards to individuals for everyday purchases and cash advances. |
OneMain Holdings, Inc.'s Porter Forces
Threat Of Substitutes
OneMain Holdings, Inc. operates in the financial services industry, which has a moderate threat of substitutes. While there are alternative financial institutions, OneMain's diversified product offerings and strong brand recognition mitigate the threat of substitutes.
Bargaining Power Of Customers
OneMain Holdings, Inc. has a large customer base, but individual customers have limited bargaining power due to the company's diversified product offerings and strong brand recognition.
Bargaining Power Of Suppliers
OneMain Holdings, Inc. has a diversified supplier base, and no single supplier has significant bargaining power over the company.
Threat Of New Entrants
The financial services industry has high barriers to entry, including regulatory hurdles and significant capital requirements, making it difficult for new entrants to compete with established players like OneMain Holdings, Inc.
Intensity Of Rivalry
The financial services industry is highly competitive, with many established players competing for market share. OneMain Holdings, Inc. faces intense rivalry from other financial institutions, which can lead to pricing pressure and increased marketing expenses.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 86.15% |
| Debt Cost | 6.74% |
| Equity Weight | 13.85% |
| Equity Cost | 12.06% |
| WACC | 7.48% |
| Leverage | 621.88% |
OneMain Holdings, Inc. : Quality Control
OneMain Holdings, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| SYF | Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer … |
| ALLY | Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through … |
| FCFS | FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. Its pawn stores lend money on the collateral of … |
| WU | The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, … |
| SLM | SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It also offers … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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OneMain Holdings
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Synchrony
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SLM
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4
Western Union
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5
Ally Financial
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6
