OneMain (OMF) Stock Price, News & Analysis

Company Overview

OneMain Financial (NYSE: OMF) is a leading consumer finance company specializing in unsecured personal loans for middle-income customers. The company offers tailored loan products designed to address a variety of needs, including debt consolidation, home improvement financing, large purchases and emergency expenses. Through a combination of branch-based service and digital channels, OneMain aims to deliver a personalized borrowing experience with flexible repayment options and transparent terms.

Tracing its roots back to the Commercial Credit Company founded in 1912, OneMain has evolved through a series of mergers and corporate transformations. It was formerly known as Citifinancial before being spun off from Citigroup in 2010. Since its initial public offering in May 2015, the firm has maintained a focus on serving non-prime and near-prime borrowers, a niche that distinguishes it from traditional banks and pure online lenders.

Headquartered in Evansville, Indiana, OneMain operates a network of more than 1,500 branches across over 40 states, complemented by a growing digital platform. This dual-channel approach enables the company to reach customers in both urban and rural markets. Under the leadership of Chief Executive Officer Heath Horton, OneMain continues to refine its underwriting processes, invest in technology and expand its service offerings to meet the evolving needs of its customer base.

Key Stats

• Today's Range: $55.25 to $56.12
• 50-Day Range: $49.18 to $59.88
• 52-Week Range: $45.78 to $71.93
• Volume: 1.44 million shs
• Average Volume: 1.14 million shs
• Market Capitalization: $6.48 billion
• P/E Ratio: 8.34
• Dividend Yield: 7.49%
• Price Target: $68.30
• Consensus Rating: Moderate Buy

OneMain Stock Analysis - MarketRank™

OneMain scored higher than 100% of companies evaluated by MarketBeat, and ranked 2nd out of 877 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.0 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

OneMain has received a consensus rating of Moderate Buy. The company's average rating score is 2.58, and is based on no strong buy ratings, 8 buy ratings, 3 hold ratings, and 1 sell rating.

Upside Potential

OneMain has a consensus price target of $68.30, representing about 21.8% upside from its current price of $56.06.

Amount of Analyst Coverage

OneMain has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 4.4 / 5
• Proj. Earnings Growth: 19.08%

Earnings Growth

Earnings for OneMain are expected to grow by 19.08% in the coming year, from $7.39 to $8.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of OneMain is 8.34, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.24.

Price to Earnings Ratio vs. Sector

The P/E ratio of OneMain is 8.34, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.34.

Price to Earnings Growth Ratio

OneMain has a PEG Ratio of 0.41. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

OneMain has a P/B Ratio of 1.92. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.81% of the float of OneMain has been sold short.

Short Interest Ratio / Days to Cover

OneMain has a short interest ratio ("days to cover") of 2.34, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in OneMain has recently decreased by 26.94%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

OneMain is a leading dividend payer. It pays a dividend yield of 7.49%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

OneMain has been increasing its dividend for 5 years.

Dividend Coverage

The dividend payout ratio of OneMain is 62.50%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, OneMain will have a dividend payout ratio of 47.73% next year. This indicates that OneMain will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 0.39

News Sentiment

OneMain has a news sentiment score of 0.39. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 16 news articles for OneMain this week, compared to 5 articles on an average week.

Search Interest

24 people have searched for OMF on MarketBeat in the last 30 days. This is an increase of 14% compared to the previous 30 days.

MarketBeat Follows

8 people have added OneMain to their MarketBeat watchlist in the last 30 days. This is an increase of 700% compared to the previous 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, OneMain insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $590,000.00 in company stock.

Percentage Held by Insiders

0.40% of the stock of OneMain is held by insiders.

Percentage Held by Institutions

85.82% of the stock of OneMain is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 2/23 Dividend: 2/17/2026
• Ex-Dividend for 2/23 Dividend: 2/17/2026
• Dividend Payable: 2/23/2026
• Last Earnings: 5/01/2026
• Today: 5/10/2026
• Record date for 5/15 Dividend: 5/11/2026
• Ex-Dividend for 5/15 Dividend: 5/11/2026
• Dividend Payable: 5/15/2026
• Next Earnings (Estimated): 7/24/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Banking
• Current Symbol: NYSE:OMF
• CIK: 1584207
• Web: www.onemainfinancial.com
• Phone: (812) 424-8031
• Fax: 812-468-5560
• Employees: 9,300
• Year Founded: 1912

Price Target and Rating

• Average Price Target for OneMain: $68.30
• High Price Target: $80.00
• Low Price Target: $55.00
• Potential Upside/Downside: +21.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.58
• Research Coverage: 12 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.72
• Trailing P/E Ratio: 8.34
• Forward P/E Ratio: 7.59
• P/E Growth: 0.41
• Net Income: $783 million
• Net Margins: 14.38%
• Pretax Margin: 18.47%
• Return on Equity: 24.24%
• Return on Assets: 3.03%

Debt

• Debt-to-Equity Ratio: 6.63
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $5.46 billion
• Price / Sales: 1.19
• Cash Flow: $9.24 per share
• Price / Cash Flow: 6.07
• Book Value: $29.23 per share
• Price / Book: 1.92

Miscellaneous

• Outstanding Shares: 115,530,000
• Free Float: 115,069,000
• Market Cap: $6.48 billion
• Optionable: Optionable
• Beta: 1.27