OneMain Holdings, Inc.OMF
NYSE•Financial Services•Credit Services
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. OneMain Holdings, Inc. operates as a subsidiary of Omh (Ml), L.P.
OneMain Holdings, Inc. (OMF) reported trailing twelve months revenue of $4.98B as of March 2026, a 8.0% increase year-over-year. Quarterly revenue reached $1.26B, reflecting continued top-line momentum.
OneMain Holdings, Inc. generated $796.00M in TTM net income, with quarterly EBITDA of $370.00M. The operating margin expanded from 23.2% to 23.5%, suggesting improving cost efficiency and pricing discipline.
The spread between operating margin (23.5%) and net margin (17.9%) indicates moderate non-operating costs. Net margin has narrowed from 18.0% a year ago, reflecting increased costs or interest expense.
OMF trades at a P/E of 8.5x (below the broader market average) and a P/S of 1.4x. The price-to-book ratio of 2.0x reflects a moderate premium to book value.
The company generated $739.00M in free cash flow over the trailing twelve months, a 11.1% increase year-over-year, indicating strong cash generation ability. The balance sheet shows $27.02B in total assets with $22.40B in long-term debt against $3.38B in stockholders equity for a debt-to-equity ratio of 6.6, a relatively leveraged position. Data based on the most recent quarterly reports.
Competitive analysis based on 21 quarters of fundamental data
Operating margins are expanding at ~18.2%, suggesting durable pricing power and cost discipline.
Consistently high ROE averaging 19.5% suggests a durable competitive advantage and efficient capital allocation.
Free cash flow is consistently positive and growing — a hallmark of a capital-light business that can self-fund growth.
TTM revenue has grown consistently (7 of 7 quarters up), with ~14.2% growth over the period. Strong demand durability.
Data-driven red flags and warnings across 21 quarters
Margins are stable or improving at ~20.5% — no sign of cost or pricing stress.
FCF covers net income by 5.0x on average — earnings are well-supported by cash generation.
D/E ratio is 6.6 — dangerously high. The company is heavily leveraged and vulnerable to rising rates or cash flow dips.
Revenue is stable or growing over recent quarters — demand appears durable.
Free cash flow is consistently positive — the business self-funds without external capital reliance.
Shares decreased 2.6% — net buybacks are reducing shares outstanding and boosting per-share value.
Quarterly standardized metrics.
Stock price and market valuation
Revenue and earnings growth across quarters
Assets, cash, debt, and leverage
Price multiples and return ratios
Operating efficiency and return metrics
Free cash flow, earnings quality, and capital allocation