US · OMF
OneMain Holdings, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Evansville, IN 47708-1013
- Website
- onemainfinancial.com
Price · as of 2025-12-31
$56.59
Market cap 6.48B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $214.50 | +279.04% |
| Intrinsic Value(DCF) | $25.09 | -55.66% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $110.28 | +94.88% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $1.38 | $0.00 | |||
| 2012 | $0.83 | $0.00 | |||
| 2013 | $12.76 | $99.56 | $0.00 | $0.00 | $0.00 |
| 2014 | $22.75 | $83.62 | $0.00 | $0.00 | $112.27 |
| 2015 | $12.61 | $115.93 | $0.16 | $0.00 | $22.87 |
| 2016 | $12.31 | $94.93 | $0.35 | $18.18 | $119.83 |
| 2017 | $14.73 | $131.29 | $9.63 | $20.49 | $13.07 |
| 2018 | $14.73 | $140.26 | $20.32 | $33.99 | $64.59 |
| 2019 | $19.02 | $149.20 | $16.01 | $7.81 | $113.59 |
| 2020 | $35.70 | $177.38 | $10.35 | $0.00 | $72.05 |
| 2021 | $30.33 | $217.81 | $32.83 | $0.00 | $88.12 |
| 2022 | $29.66 | $175.74 | |||
| 2023 | $41.38 | $181.31 | $7.24 | $0.00 | $63.66 |
| 2024 | $45.39 | $188.47 | $3.04 | $0.00 | $67.14 |
| 2025 | $55.62 | $214.50 | $4.90 | $0.00 | $110.28 |
AI valuation
Our deep-learning model estimates OneMain Holdings, Inc.'s (OMF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $214.50
- Current price
- $56.59
- AI upside
- +279.04%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$25.09
-55.66% upside
Graham-Dodd
—
— upside
Graham Formula
$110.28
+94.88% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| OMF | OneMain Holdings, Inc. | $56.59 | 6.48B | +279% | -56% | — | +95% | 8.44 | 1.94 | 1.06 | 21.72 | 15.43 | 4.02 | 47.63% | 16.04% | 12.54% | 23.76% | 3.30% | 2.94% | 6.67 | 0.79 | — | — | 16.91 | 5472.00% | 909.00% | 1597.00% | 47.35% | — | 13.21% | 7.55% | 63.70% | 9.88% | 27.94 | 8.94 | 4.48 | 0.73 |
| AXS | AXIS Capital Holdings Lim… | $105.72 | 8.14B | -20% | -53% | +6% | +104% | 8.29 | 1.32 | 1.27 | 6.69 | — | 1.37 | 49.90% | 18.67% | 15.37% | 16.21% | 27.66% | 3.11% | 0.25 | 18.39 | — | — | 0.22 | 0.00% | 905.00% | -10222.00% | -0.49% | — | -1.12% | 2.07% | 17.10% | 12.69% | 7.05 | -211.12 | 1.32 | 1.41 |
| BPOP | Popular, Inc. | $135.36 | 9.03B | -48% | +66% | -47% | +21% | 10.59 | 1.16 | 1.55 | -20.08 | 76.56 | 1.39 | 60.67% | 19.01% | 14.66% | 11.42% | -3.43% | 0.85% | 0.23 | 0.57 | 0.38 | 0.38 | -6.41 | 1383.00% | 1148.00% | -361.00% | 7.09% | 0.01 | -2.58% | 2.77% | 29.40% | 6.06% | -21.59 | -37.29 | -4.11 | -0.43 |
| FCFS | FirstCash Holdings, Inc | $192.79 | 8.51B | -10% | -33% | -90% | -40% | — | 3.89 | 2.42 | 11.56 | — | 399.27 | 51.67% | 15.36% | 9.02% | 0.00% | 9.33% | 0.00% | 1.24 | 4.64 | 4.55 | 3.00 | 2.69 | 2949.00% | 804.00% | -55.00% | 5.29% | 1.44 | 10.54% | 0.80% | — | 2.11% | 20.55 | 24.63 | 3.16 | 3.57 |
| MARA | Marathon Digital Holdings… | $8.94 | 3.38B | +252% | -50% | — | — | -714.27 | — | 3.70 | 4.34 | — | -30.78 | -47.73% | -90.64% | -144.58% | -0.23% | -25.38% | -0.07% | — | -16.99 | 0.00 | 0.00 | 0.00 | -31453.00% | 3820.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 62.03% | -4.08 | — | 3.70 | — |
| OBDC | Blue Owl Capital Corporat… | $11.29 | 5.77B | +184% | -59% | — | +542% | 7.29 | 0.79 | 3.48 | 12.20 | — | 0.79 | 75.32% | 73.23% | 37.37% | 11.99% | 8.09% | 5.15% | 1.26 | 2.06 | — | — | 7.49 | -1895.00% | 5255.00% | 98699.00% | 29.84% | — | 11.74% | 12.90% | 94.00% | 15.44% | 12.30 | 8.69 | 9.01 | 0.73 |
| SLM | SLM Corporation | $18.74 | 3.71B | +111% | -4% | — | +133% | 5.27 | 1.60 | 1.26 | 5.79 | 18.12 | 1.64 | 53.11% | 31.92% | 23.95% | 32.31% | 18.20% | 2.49% | 2.39 | 0.88 | 8.08 | 11.91 | 1.84 | 2910.00% | 410.00% | -27472.00% | 14.65% | 1.15 | 14.06% | 17.82% | 94.00% | 27.21% | 5.81 | 10.01 | 1.85 | 0.67 |
| SYF | Synchrony Financial | $69.11 | 24.89B | -8% | -20% | +3% | -93% | 6.92 | 1.47 | 1.28 | 4.37 | 79.90 | 1.74 | 51.04% | 24.17% | 18.58% | 21.30% | 24.60% | 2.98% | 0.91 | 1.12 | 0.21 | 0.21 | 0.04 | 865.00% | -791.00% | 3.00% | 40.11% | 0.12 | 68.22% | 2.08% | 14.40% | 16.26% | 4.85 | 2.28 | 1.17 | 0.08 |
| VOYA | Voya Financial, Inc. | $66.88 | 6.36B | +7% | -45% | -23% | -83% | 9.99 | 1.32 | 0.87 | 28.39 | 410.94 | -2.85 | 51.84% | 3.48% | 8.72% | 14.60% | -3.73% | 0.38% | 0.42 | 2.23 | 20.38 | 20.38 | 3.36 | 243.00% | -688.00% | 4138.00% | 19.71% | 2.20 | -21.01% | 3.35% | 33.50% | 24.98% | 28.39 | 5.75 | 0.99 | 0.16 |
About OneMain Holdings, Inc.
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured. The company also offers credit cards and insurance products comprising life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. It operates through a network of approximately 1,400 branch offices in 44 states in the United States, as well as through its website onemainfinancial.com. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was founded in 1912 and is based in Evansville, Indiana.
- CEO
- Douglas H. Shulman
- Employees
- 9K
- Beta
- 1.29
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($25.09 ÷ $56.59) − 1 = -55.66% (DCF, example).