# OneMain Holdings Inc. (OMF) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $64.63, market value $7.4 billion.

## Valuation
- **P/E (trailing): 9.7×** (5-yr avg 7.1×, 3-yr avg 9.5×). OneMain Holdings Inc. trades at 9.7× trailing earnings, well above its own five-year average of 7.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.14**. A PEG of 0.14 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 2.2×**. The shares trade at 2.2× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 10.3%**. The inverse of the P/E: 10.3% of the price is earned each year.

## Profitability
- **Return on equity: 23.0%**. 23.0% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.

## Growth
- **EPS growth (1 yr): 54.7%** (3-yr -2.2%/yr, 5-yr 3.9%/yr). Earnings per share rose 54.7%.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $914 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 6.50%** ($4.19 per share, trailing). OneMain Holdings Inc. yields 6.50%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 64%**. 64% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 3**. 3 straight years of increases.
- **Dividend growth (5 yr): -6.8%/yr** (1-yr 1.2%). The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (14 analysts). 14 analysts cover OneMain Holdings Inc.; the consensus is buy, with an average price target of $69.57 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 9.1%** (YTD -0.7%, 3-mo 16.7%). The shares are up 9.1% over twelve months including dividends.
- **From 52-week high: -10.1%** (41.2% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 1.15** (volatility 30%). Beta of 1.15 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OMF · Page: https://foliofundamentals.com/stocks/omf

Not investment advice.