OneMain Holdings Stock Analysis (March 2026)

OneMain Holdings

NYSE:OMF

$ 51,55

$-1,50 (-2,83%)

51,55 $

$-1,50 (-2,83%)

End-of-day quote: 03/27/2026

OneMain Holdings Stock Value

The current analyst rating for NYSE:OMF is Outperform.

Outperform

OneMain Holdings Company Info

EPS Growth 5Y

1,87%

Market Cap

$6,04 B

Long-Term Debt

$22,69 B

Short Interest

2,55%

Quarterly earnings

04/29/2026 (E)

Dividend

$4,08

Dividend Yield

7,92%

Founded

1912

Industry

Financials

Country

United States

ISIN Number

US68268W1036

Website

http://www.onemainfinancial.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$70,50

36.76%

Last Update: 03/28/2026

Analysts: 14

Highest Price Target $85,00

Average Price Target $70,50

Lowest Price Target $55,00

In the last five quarters, OneMain Holdings’s Price Target has risen from $50,28 to $61,92 - a 23,15% increase. Fiveteen analysts predict that OneMain Holdings’s share price will increase in the coming year, reaching $70,50. This would represent an increase of 36,76%.

Top growth stocks in the financials sector (5Y.)

What does OneMain Holdings do?

OneMain Holdings, Inc. operates as a financial service holding company. As one of the nation’s leaders in offering nonprime consumers responsible access to credit, the company provides responsible personal loan products; offers secured auto financing at the point of purchase; offers credit card products; offers optional products; offers a customer-focused financial wellness platform (Trim by OneMain); service loans owned by it and third parties; pursue strategic acquisitions and dispositions of...

OneMain Holdings, Inc. operates as a financial service holding company.

As one of the nation’s leaders in offering nonprime consumers responsible access to credit, the company provides responsible personal loan products; offers secured auto financing at the point of purchase; offers credit card products; offers optional products; offers a customer-focused financial wellness platform (Trim by OneMain); service loans owned by it and third parties; pursue strategic acquisitions and dispositions of assets and businesses; and may establish joint ventures or enter into other strategic alliances.

The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. In addition, it offers two credit cards, BrightWay and BrightWay+, through a third-party bank partner from which it purchases the receivable balances. The company services the loans that it retains on its balance sheet, as well as loans owned by third parties.

The company operates in the consumer finance industry serving consumers who typically have limited access to credit from banks, credit card companies, and other lenders.

The company’s national branch network and digital platform, combined with its central operations and its network of auto dealerships, provide the opportunity for it to serve this market efficiently and responsibly. The company’s auto finance and credit card offerings continue to deepen its existing customer relationships, attract new customers, and further its intention to become the lender of choice for nonprime consumers.

Segment

Consumer and Insurance

As of December 31, 2024, Consumer and Insurance (C&I) was the company’s only reportable segment. The company originates and services personal loans and auto finance loans, offer credit cards, and provide optional credit and non-credit insurance and other optional products through its branch and central operations, as well as its digital platform. Consumer loan origination and servicing, credit cards, and insurance products form the core of the company’s operations.

The company’s insurance business is conducted through its wholly owned insurance subsidiaries, American Health and Life Insurance Company (AHL) and Triton Insurance Company (Triton). AHL is a life and health insurance company licensed in 49 states, the District of Columbia, and Canada to write credit life, credit disability, and non-credit insurance products. Triton is a property and casualty insurance company licensed in 50 states, the District of Columbia, and Canada to write credit involuntary unemployment, credit disability, and collateral protection insurance.

Products and Services

The company offers personal loans through its branch network, central operations, digital affiliates, and its website, www.onemainfinancial.com, to consumers who need timely access to cash. The company’s personal loans are non-revolving, with a fixed rate, have fixed terms generally between three and six years, and are secured by automobiles, other titled collateral, or are unsecured. The company’s loans have no pre-payment penalties.

Auto finance includes automobile retail installment contracts originated at the point of purchase through a growing network of franchise and independent dealerships. Auto finance loans are non-revolving, with a fixed rate, have fixed terms generally between three and six years, and are secured by automobiles.

BrightWay and BrightWay+ credit cards originate through a third-party bank partner from which it purchases the receivable balances. The credit cards are offered through its branch network, direct mail, its digital affiliates, and its website. Credit cards are open-ended, revolving, with a fixed rate, and are unsecured.

The company also offers optional credit insurance products to its customers, including credit life insurance, credit disability insurance, and credit involuntary unemployment insurance. Credit life insurance insures the borrower’s life, paying the outstanding finance receivable upon the borrower’s death. Credit disability insurance provides scheduled monthly loan payments during borrower’s disability, while credit involuntary unemployment insurance provides scheduled monthly loan payments during involuntary unemployment. The company’s other optional products primarily consist of traditional term life policies, optional membership plans from an unaffiliated company and Guaranteed Asset Protection (GAP) coverage, to cover the shortfall between the customer’s auto loan balance and the payment amount made by the customer’s primary auto insurance.

The company provides its customers financial wellness tools, free of charge. Trim by OneMain is a financial wellness platform intended to help improve its customers’ financial well-being. Some of the features offered include bill negotiation, subscription management, budgeting, and spend tracking.

Customer Development

The company staffs each of its branch locations with local well-trained personnel, including professionals who have significant experience in the industry. Its business benefits from an origination and servicing process that leverages its local community presence. The company’s customers often develop a relationship with their local office representatives, which not only improves the credit performance of its personal loans and improves customer loyalty and the longer-term relationship.

The company solicits customers through a variety of channels, including direct mail offers, affiliate partners, its network of auto dealerships, targeted online advertising, search engines, and e-mail. The company uses proprietary modeling that utilizes its existing data and experience, along with data purchased from credit bureaus and alternative data providers, to acquire and develop new and profitable customer relationships.

The company’s digital platform allows current and prospective customers the ability to apply for and close a personal loan or credit card online. Its digital user experience includes video, chat, and co-browsing with customers. These tools simplify and optimize the customer experience.

The company’s applications, regardless of whether they are completed in person, over the phone, or online, go through its best-in-class underwriting, including processes, such as an ability-to-pay assessment, monthly budgeting, income verification, and central automated credit decisioning.

Credit Risk

Credit quality is driven by the company’s long-standing underwriting philosophy, which considers a prospective customer’s willingness and capacity to repay the loan. It uses credit risk scoring models at the time of the credit application to assess the applicant’s likelihood of repaying the loan. The company develops these models using numerous factors, including past customer credit repayment experience, application data, and alternative data sources, while periodically revalidating these models based on recent portfolio performance. The company’s underwriting process for its personal loans include an assessment of the applicant’s income and expenses to ensure he or she has the capacity to repay the loan. For all secured consumer loans, it obtains a security interest in titled property.

Account Servicing

Account servicing and collections for the company’s finance receivables are handled at the branch location, in its central servicing facilities, through its digital platform, or through third-party servicers. Servicing and collection activity is conducted and documented on systems that log and maintain a permanent record of all transactions and may also be used to assess a customer’s future application.

Central Operations

The company continually seeks to identify functions that could be more effective if centralized to achieve reduced costs or free its lending specialists to service its customers and market its products. The company’s central operational functions support the following: soliciting business; processing payments; originating consumer loans; issuing and servicing optional products; servicing of delinquent consumer loans; managing bankruptcy process for loans in Chapter 7, 11, and 13 proceedings; managing litigation requests with delinquent borrowers; tracking collateral protection insurance; repossessing and re-marketing of titled collateral; supervising sales and retention of customers; and managing charge-off recovery operations.

The company has central servicing facilities in Mendota Heights, Minnesota; Tempe, Arizona; London, Kentucky; Evansville, Indiana; Fort Mill, South Carolina; Fort Worth, Texas; and Salt Lake City, Utah. In addition, the company utilizes third-party service providers for staff augmentation.

Privacy, Data Protection, and Cybersecurity

The company’s consumer businesses are subject to the privacy, disclosure, and safeguarding provisions of the Gramm-Leach-Bliley Act (GLBA) and Regulation P, which implements the GLBA. Among other things, the GLBA imposes certain limitations on its ability to share customers’ nonpublic personal information with nonaffiliated third parties and, pursuant to the Federal Trade Commission’s Safeguards Rule, requires it to develop, implement, and maintain a written comprehensive cybersecurity program containing safeguards that are appropriate to the size and complexity of its business, the nature and scope of its activities, and the sensitivity of customer information that its process.

Regulation

The Dodd-Frank Act and the regulations promulgated thereunder have affected and are likely in the future to affect the company’s operations in terms of increased oversight of financial services products by the CFPB and the imposition of restrictions on the terms of certain loans.

Starting in 2023, the CFPB has exercised supervisory authority over the company’s entire consumer finance business as a result of its status as a larger participant in the auto financing market.

Seasonality

The company’s consumer loan volume and demand are generally lowest during the first quarter of the year (year ended December 2023) following the holiday season and as a result of tax refunds, and then increases through the end of the year. Delinquencies follow similar trends, being generally lower during the first quarter of the year and rising throughout the remainder of the year. These seasonal trends contribute to fluctuations in its operating results and cash needs throughout the year.

History

The company was founded in 1912. It was incorporated in 2013. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in 2015.

OneMain Holdings Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Main revenue sectors:** Consumer loans, insurance products **TOP 3 markets:** 1. USA: approx. 95% 2. Puerto Rico: approx. 3% 3. Guam: approx. 2% OneMain Holdings, Inc. generates the majority of its revenue from providing consumer loans, especially to middle-income individual customers....

At which locations are the company’s products manufactured?

**Production Sites:** No specific production facilities, as it is a financial services company. OneMain Holdings, Inc. is a financial services company that primarily offers consumer loans. Since the company does not manufacture physical products, it does not have traditional production facilities....

What strategy does OneMain Holdings pursue for future growth?

**Revenue Growth:** Estimated 8-10% annually (2025 forecast) **Dividend Yield:** 8.5% (2025 estimate) OneMain Holdings, Inc. is pursuing a growth strategy based on expanding its loan portfolio and optimizing its digital platforms. The company plans to strengthen its presence in the personal loans...

Which raw materials are imported and from which countries?

**Commodities/Materials:** Financial services (no physical commodities) **Countries of origin:** Not applicable OneMain Holdings, Inc. is a financial services company specializing in providing personal loans. As a company in the financial sector, it does not import physical commodities or material...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 18.5% (2024) **Market Share in the Consumer Credit Sector:** 5.2% (2024) **Customer Satisfaction Index:** 82/100 (2024) OneMain Holdings, Inc. has a significant competitive advantage in the consumer credit sector, supported by a high return on equity of 18.5%. This m...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 85% (estimated for 2025 based on historical data) **Insider Buys/Sells:** No significant changes known (estimated for 2025) The institutional investor share at OneMain Holdings, Inc. remains traditionally high, indicating the confidence of large investors in the c...

What percentage market share does OneMain Holdings have?

**Market share of OneMain Holdings, Inc. (OMF):** 5% (estimated for 2025) **Top competitors and their market shares:** 1. **Synchrony Financial (NYSE:SYF):** 15% 2. **Discover Financial Services (NYSE:DFS):** 12% 3. **Ally Financial (NYSE:ALLY):** 10% 4. **Capital One Financial Corporation (NYSE:CO...

Is OneMain Holdings stock currently a good investment?

**Revenue Growth:** 8.5% (2024) **Net Interest Income:** $3.2 billion USD (2024) **Return on Equity (ROE):** 18.4% (2024) OneMain Holdings, Inc. recorded solid revenue growth of 8.5% in 2024. This indicates stable demand for their financial products. The net interest income of $3.2 billion USD show...

Does OneMain Holdings pay a dividend – and how reliable is the payout?

**Dividend Yield:** 7.5% (estimated for 2025) **Dividend History:** Continuous payout for several years OneMain Holdings, Inc. is known for paying an attractive dividend. The estimated dividend yield for 2025 is around 7.5%, which is above average compared to many other companies in the financial...

New support ticket

Explore

OneMain Holdings Stock Value

OneMain Holdings Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does OneMain Holdings do?

OneMain Holdings Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

OneMain Holdings Stock Value

OneMain Holdings Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does OneMain Holdings do?

OneMain Holdings Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.