YOLFTbeta
OneMain Holdings Inc

OneMain Holdings Inc

OMF · NYSE · Financial Services / Credit Services

55.35USD+0.97 (+1.78%)

Price History

Full chart

Market Stats

Previous Close54.38
Open54.65
Day Range54.34 – 55.42
52-Week Range44.20 – 68.16
Volume884.93K
Market Cap6.60B
P/E (TTM)8.65
Forward P/E6.68
EPS6.63
Dividend Yield7.32%
Beta1.19
50-Day Avg62.45
200-Day Avg59.92

About

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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Douglas H. Shulman J.D.
  • Employees9.30K
  • Headquarters601 N.W. Second Street, Evansville, IN, United States, 47708, USA
  • Websitehttps://www.onemainfinancial.com

Leadership

  • Mr. Douglas H. Shulman J.D.Chairman, President & CEO · b. 1968
  • Ms. Jeannette E. OsterhoutExecutive VP & CFO · b. 1982
  • Mr. Micah R. Conrad C.F.A.Executive VP & COO · b. 1971
  • Mr. Michael A. HedlundSenior VP & Group Controller · b. 1973
  • Mr. Larry FitzpatrickExecutive VP & Chief Technology Officer
  • Mr. Peter R. PoillonHead of Investor Relations
  • Ms. Lily Fu ClaffeeExecutive VP, Chief Legal Officer & Corporate Secretary · b. 1970
  • Ms. Karen M. MooneyExecutive VP & Chief Human Resources Officer
  • Mr. Dinesh GoyalExecutive Vice President & Chief Credit and Customer Acquisition Officer
  • Ms. Sundus KubbaChief of Staff

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.91B2.00B2.00B2.19B2.46B2.94B2.93B2.96B2.69B2.23B1.99B2.03B1.88B2.34B2.83B2.19B3.73B3.79B4.24B4.68B4.93B4.97B5.09B5.30B5.72B6.24B
Growth (%)-+4.69%+0.02%+9.51%+12.29%+19.72%-0.38%+0.76%-9.14%-17.03%-10.53%+1.80%-7.49%+24.82%+20.61%-22.40%+70.04%+1.50%+12.05%+10.40%+5.36%+0.81%+2.37%+4.09%+7.98%+9.09%
Cost of Revenue687.64M778.94M795.17M870.75M950.79M1.02B969.40M1.29B2.36B2.44B1.60B1.61B1.42B1.45B1.16B1.43B1.79B1.77B1.92B2.10B2.35B1.53B2.29B2.74B3.23B3.27B
Gross Profit1.22B1.22B1.20B1.32B1.51B1.92B1.96B1.67B328.44M-207.41M397.81M414.63M460.35M896.00M1.67B762.00M1.94B2.01B2.32B2.58B2.59B3.44B2.80B2.56B2.50B2.97B
Gross Margin64.00%61.04%60.24%60.24%61.34%65.30%66.95%56.44%12.23%-9.31%19.96%20.43%24.52%38.24%59.06%34.75%52.05%53.21%54.66%55.17%52.44%69.23%54.94%48.29%43.64%47.63%
Operating Expense149.41M149.26M153.21M197.23M178.39M160.52M149.74M155.58M1.11B807.48M43.20M774.77M765.72M818.00M808.00M988.00M1.58B1.58B1.69B1.49B1.61B1.70B1.64B1.72B1.83B1.97B
Operating Income1.07B1.07B1.05B1.12B1.33B1.76B1.81B1.51B-785.47M-1.01B354.62M-360.14M-305.37M78.00M861.00M-226.00M356.00M431.00M624.00M1.10B977.00M1.74B1.16B840.00M667.00M1.00B
Operating Margin56.17%53.58%52.58%51.24%54.08%59.85%61.84%51.17%-29.25%-45.55%17.79%-17.75%-16.27%3.33%30.47%-10.31%9.55%11.39%14.71%23.45%19.81%35.01%22.69%15.85%11.66%16.04%
EBITDA---------642.95M-878.03M512.29M-85.32M-140.15M23.00M884.00M-28.00M877.00M759.00M913.00M1.37B1.24B2.00B1.42B1.10B944.00M1.29B
EBITDA Margin---------23.94%-39.41%25.70%-4.20%-7.47%0.98%31.28%-1.28%23.52%20.05%21.53%29.24%25.16%40.32%27.83%20.70%16.50%20.63%
Net Income207.94M228.26M346.83M366.10M478.05M527.33M414.86M112.30M-1.19B-532.28M639.75M-241.73M-217.70M-19.00M463.00M-220.00M215.00M183.00M447.00M855.00M730.00M1.31B872.00M641.00M509.00M783.00M
Net Income Margin10.89%11.42%17.34%16.72%19.44%17.91%14.14%3.80%-44.16%-23.89%32.10%-11.91%-11.60%-0.81%16.38%-10.03%5.77%4.83%10.54%18.26%14.80%26.42%17.13%12.10%8.90%12.54%
R&D-------------0000.10.110.150.230.20.350.230.16--
R&D as % of Total Revenue-------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense000000001.28B1.16B1.11B1.28B1.08B920.00M734.00M715.00M856.00M816.00M875.00M970.00M1.03B937.00M892.00M1.02B1.19B1.27B
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%47.53%52.26%55.87%63.32%57.28%39.27%25.97%32.60%22.96%21.56%20.63%20.72%20.82%18.84%17.52%19.23%20.71%20.38%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets13.41B13.53B15.48B17.01B22.24B25.80B27.77B30.62B26.55B21.71B17.09B15.49B14.67B15.40B11.06B21.19B18.12B19.43B20.09B22.82B22.47B22.08B22.53B24.29B25.91B27.39B
Total Liabilities11.77B12.18B13.90B15.18B19.86B23.02B24.88B27.81B24.91B20.55B16.33B14.13B13.47B13.52B9.22B18.46B15.06B16.16B16.29B17.25B17.84B17.75B19.50B21.11B22.72B23.99B
Total Equity1.64B1.35B1.59B1.82B2.38B2.78B2.89B2.81B1.64B1.16B756.17M1.36B1.18B1.54B1.84B2.73B3.07B3.28B3.80B5.57B4.63B4.33B3.03B3.19B3.19B3.40B
Cash163.90M179.00M153.66M145.46M160.61M192.53M235.15M2.09B916.32M1.25B1.29B689.59M1.55B431.41M878.83M939.00M579.00M987.00M679.00M1.23B2.27B541.00M498.00M1.01B458.00M914.00M
Total Debt---------20.20B15.17B9.32B8.84B12.78B8.39B17.30B13.96B15.05B15.18B18.27B18.49B17.75B18.28B19.81B21.44B22.69B
Net Debt---------18.95B13.88B8.63B7.28B12.35B7.51B16.36B13.38B14.06B14.50B15.98B15.53B17.21B17.78B18.80B20.98B21.78B

Cash Flow

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow620.01M720.14M568.81M817.33M787.42M621.62M-1.48B767.51M666.23M269.49M171.30M228.12M675.25M400.30M741.00M1.33B1.55B2.05B2.36B2.21B2.25B2.39B2.52B2.70B3.13B
Investing Cash Flow---------757.47M3.32B3.32B1.51B1.42B-2.12B1.82B-2.19B-2.00M-2.19B-2.40B-3.43B-751.00M-2.14B-2.12B-2.86B-3.27B-3.16B
Financing Cash Flow515.84M-1.65B1.20B4.47B3.31B1.16B2.02B-1.34B-3.47B-3.54B-2.39B-788.05M325.63M-1.77B1.96B-1.69B975.00M44.00M1.52B-370.00M-1.81B-326.00M932.00M161.00M520.00M
Capital Expenditure0000000000000108.72M58.78M14.00M8.00M4.00M00000000
Free Cash Flow--------767.51M666.23M269.49M171.30M215.90M783.97M459.08M744.00M1.33B1.56B2.05B2.36B2.21B2.25B2.39B2.52B2.70B3.13B
Dividends Paid107.10M438.30M147.00M183.11M54.00M140.00M296.68M213.00M-----204.00M637.73M77.00M18.00M136.00M268.00M408.00M806.00M1.27B480.00M487.00M498.00M499.00M
FCF to OCF--------100.00%100.00%100.00%100.00%94.64%116.10%114.68%100.40%100.60%100.26%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%
Dividend Paid to FCF-------------26.02%138.92%10.35%1.35%8.72%13.10%17.27%36.44%56.70%20.11%19.33%18.45%15.94%

Earnings

Report DateNov 12, 2013Mar 11, 2014May 14, 2014Aug 7, 2014Nov 14, 2014Mar 12, 2015May 7, 2015Aug 6, 2015Nov 9, 2015Feb 25, 2016May 4, 2016Aug 4, 2016Nov 7, 2016Feb 13, 2017May 3, 2017Aug 2, 2017Nov 1, 2017Feb 14, 2018May 2, 2018Jul 30, 2018Oct 31, 2018Feb 11, 2019Apr 29, 2019Jul 29, 2019Oct 28, 2019Feb 10, 2020Apr 27, 2020Jul 27, 2020Oct 26, 2020Feb 8, 2021Apr 26, 2021Jul 21, 2021Oct 20, 2021Feb 2, 2022Apr 28, 2022Jul 27, 2022Oct 26, 2022Feb 7, 2023Apr 25, 2023Jul 26, 2023Oct 25, 2023Feb 7, 2024Apr 30, 2024Jul 31, 2024Oct 30, 2024Jan 31, 2025Apr 29, 2025Jul 25, 2025Oct 31, 2025Feb 5, 2026May 1, 2026Jul 29, 2026Oct 30, 2026
EPS Estimate-0.460.430.440.510.540.550.510.530.531.081.001.060.810.740.891.031.051.131.141.281.331.341.341.581.750.100.221.262.002.152.202.282.352.221.971.331.511.651.271.501.381.390.931.141.151.571.231.601.541.861.311.89
EPS Actual-0.910.420.430.520.550.570.550.530.500.771.050.960.900.800.670.810.911.061.181.181.311.391.371.621.771.960.330.802.192.773.372.662.372.382.351.871.511.561.461.011.571.391.451.021.261.161.721.451.901.591.951.31-
Surprise--8.70%0.00%18.18%7.84%5.56%0.00%3.92%-5.66%45.28%-2.78%-4.00%-15.09%-1.23%-9.46%-8.99%-11.65%0.95%4.42%3.51%2.34%4.51%2.24%20.90%12.03%12.00%230.00%263.64%73.81%38.50%56.74%20.91%3.95%1.28%5.86%-5.08%13.53%3.31%-11.52%-20.47%4.67%0.72%4.32%9.68%10.53%0.87%9.55%17.89%18.75%3.25%4.84%0.00%-
Timing--Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap6.60B
Enterprise Value28.80B
Trailing P/E8.65
Forward P/E6.68
PEG Ratio0.75
Price / Sales2.19
Price / Book1.95
EPS6.63
Book Value29.40
Revenue (TTM)3.02B
Gross Profit (TTM)2.83B
Profit Margin25.86%
Operating Margin28.59%
Return on Equity23.28%
Return on Assets2.89%
Shares Outstanding115.04M
Shares Float108.29M
Beta1.19
Dividend Yield7.32%
Dividend Rate4.20
Payout Ratio62.22%

Analyst Ratings

Buy
Based on 16 analystsTarget 69.57
  • Strong Buy
    8
  • Buy
    3
  • Hold
    5

Ownership Breakdown

Institutions
96.10%
Insiders
0.22%
Retail / Other
3.68%

Top Institutional Holders

  • BlackRock Inc
    10.01M8.70%
  • Brave Warrior Advisors LLC
    7.59M6.59%
  • Capital Research & Mgmt Co - Division 3
    5.71M4.97%
  • Vanguard Portfolio Management, LLC
    5.45M4.73%
  • Vanguard Capital Management, LLC
    5.31M4.61%
  • FMR Inc
    5.23M4.54%
  • Dimensional Fund Advisors, Inc.
    4.47M3.88%
  • The Goldman Sachs Group Inc
    4.00M3.48%
  • AQR Capital Management LLC
    3.31M2.87%
  • Fiduciary Management, Inc. of Milwaukee
    3.08M2.68%
  • HHG PLC
    2.73M2.37%
  • State Street Corp
    2.41M2.09%
  • American Century Companies Inc
    2.35M2.04%
  • Arrowstreet Capital Limited Partnership
    2.27M1.97%
  • Geode Capital Management, LLC
    2.21M1.92%
  • Cooperman Leon G
    2.13M1.85%

Top Fund Holders

  • American Funds Fundamental Invs A
    4.95M4.31%
  • Vanguard MStar Total Stk Mkt Idx Invest
    3.79M3.30%
  • Vanguard Small Cap Index
    2.74M2.38%
  • iShares Select Dividend ETF
    2.45M2.13%

Dividends

20264×
1.05Nov 9, 20261.05Aug 10, 20261.05May 11, 20261.05Feb 17, 2026
20254×
1.05Nov 10, 20251.04Aug 4, 20251.04May 9, 20251.04Feb 12, 2025
20244×
1.04Nov 12, 20241.04Aug 12, 20241.04May 9, 20241.00Feb 16, 2024
20234×
1.00Nov 3, 20231.00Aug 4, 20231.00May 4, 20231.00Feb 16, 2023
20224×
0.95Nov 4, 20220.95Aug 5, 20220.95May 6, 20220.95Feb 11, 2022
20214×
0.70Nov 1, 20214.20Aug 5, 20210.70May 5, 20213.95Feb 17, 2021