What You Need to Know About OneMain Holdings, Inc.'s Q3 Earnings
OneMain Holdings, Inc.'s fiscal Q3 earnings report was released on Wednesday, July 29. Let's dive in to see if (OMF) missed or beat analyst's expectations.Michael Rose
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COMPANY SUMMARY
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was incorporated in 2013 and is based in Evansville, Indiana.
Commentary & Analysis
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Which Is a Better Investment, Encore Capital Group, Inc. or OneMain Holdings, Inc. Stock?
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Which Is a Better Investment, LendingClub Corporation or OneMain Holdings, Inc. Stock?
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Financial Summary
| Share Statistics | OMF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $7,199.3 | $1,153.3 | 73% |
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| Shares Out (Mil) | 117.3 | 36.1 | 66% |
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| Institutional Ownership | 99.6% | 79.0% | 91% |
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| Float (Mil) | 115.0 | 32.7 | 64% |
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| Beta | 1.18 | 1.06 | 69% |
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| Avg Daily Volume (000s) | 1,057 | 364 | 71% |
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| Price Change (52-week) |
8.5% | 77.7% | 52% |
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| Growth | OMF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 2.8% | 7.7% | 26% |
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| Net Income (5yr) | 1.4% | 12.6% | 41% |
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| EPS (5yr) | 3.9% | 17.1% | 36 |
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| Dividends (5yr) | 23.7% | 0.0% | 97% |
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| Cash Flow (5yr) | (13.3%) | (2.8%) | 56% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 16 | 16 | 16 | |
| Current EPS | $1.881 | $7.087 | $8.586 | |
| Month Ago EPS | $1.927 | $7.258 | $8.655 | |
| # Rev Up | 1 | 0 | 2 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $2.002 | $7.445 | $8.767 | |
| Year/Year Chg | (2.5%) | 8.0% | 52.0% | |
| Financials | OMF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $3,040 | $1,086 | 67% |
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| Net Income (TTM) (Mil) | $796 | $147 | 84% |
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| EPS (TTM) | $6.746 | $1.600 | 91% |
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| Operating Cash Flow (TTM) (Mil) | $3,206 | $231 | 92% |
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| Net Cash Flow (TTM) (Mil) | $199 | $6 | 85% |
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| Long-Term Debt (Q1) (Mil) | $22,396 | $808 | 96% |
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| Enterprise Value (Q1) (Mil) | na | $1,297 | na |
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| Valuation | OMF | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.14 | 1.44 | 53% |
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| P/E | 9.3 | 9.2 | 13% |
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| Dividend Yield | 6.7% | 0.0% | 96% |
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| PEG (5yr hist) | 2.4 | 0.5 | 72% |
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| Ratios | OMF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 78.8% | 75.1% | 88% |
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| Net Margin | 25.9% | 14.6% | 85% |
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| ROA | 3.0% | 2.9% | 62% |
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| ROE | 23.9% | 14.6% | 84% |
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| Liabilities to Assets | 87.5% | 79.0% | 82% |
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| F-Score | 7 | 5 | 84% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Dreman Screen
Factors: Value, Growth
Avoiding the psychological traps of the market by following the principles of contrarian investing.
| Performance Since Inception: | 8.6% |
| +/- S&P 500: | +1.1 |
