# OneMain Holdings, Inc. (OMF)

> Source: Nexqual · https://nexqual.com/OMF · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, OneMain Holdings, Inc. (OMF), nexqual.com/OMF" · informational, not investment advice.

**Price:** USD 57.11 (+0.49% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 56.83 · day 56.35–57.11 · 52w 45.78–71.93 · market cap $6.57B · NYQ

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $5.08B, net income $781M (15.4% margin) (SEC filings).
- Valuation: P/E 8.4x (avg 10.6x at the last 3 fiscal year-ends).
- 4 of 80 tracked superinvestors hold OMF (13F, Q2 2026): 0 new, 1 added, 2 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 5 Form 4 filings, $1.2M; 1 not under a Rule 10b5-1 plan ($327K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.33 on a 1–5 scale) (15 analysts), mean target USD 67.43 (range 52–85).
- Total return with dividends: 1Y +8.8% vs S&P 500 +14.9%; 5Y +61.0% vs S&P 500 +80.3%.
- Next earnings: 2026-10-30, EPS estimate USD 1.56, revenue estimate $1.34B.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $3.96B | $4.17B | $4.28B | $4.50B | $4.90B | $5.08B |
| Net income | $1.31B | $872M | $641M | $509M | $783M | $781M |
| EPS (diluted) | $9.88 | $7.01 | $5.32 | $4.24 | $6.56 | — |
| Net margin | 33.2% | 20.9% | 15.0% | 11.3% | 16.0% | 15.4% |
| Revenue growth | +2.4% | +5.4% | +2.6% | +5.2% | +8.9% | — |
| Cash + short-term investments | $541M | $498M | $1.01B | $458M | $914M | — |
| Total debt | $17.8B | $18.3B | $19.8B | $21.4B | $22.7B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 8.4x · P/S 1.3x · P/B 1.9x · Earnings yield 11.89% · Dividend yield (paid, TTM) 7.58% · Buyback yield (TTM) 3.70%
P/E at fiscal year-ends: Dec 2025 10.3x, Dec 2024 12.3x, Dec 2023 9.3x.

## Superinvestors (SEC 13F-HR, Q2 2026)
4 of 80 tracked investors hold OMF. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Glenn Greenberg | Brave Warrior Advisors | 10.08% | $462M | Reduced -1.5% |
| Leon Cooperman | Omega Family Office | 3.66% | $130M | Added +6.2% |
| Samantha McLemore | Patient Capital Management | 1.42% | $42.8M | Reduced -10.1% |
| Bill Miller | Miller Value Partners | 1.20% | $5.1M | Unchanged |

## Insider sales (SEC Form 4, open-market, last ~7 months)
4 of 5 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-04 | Conrad Micah R. | EVP & COO | 5,000 | $327K | 5.2% | No | Too little history (no open-market trades in 2023) |
| 2026-07-29 | Hedlund Michael A | pao, SVP and Group Controller | 2,500 | $160K | 19% | Yes | Too little history (no open-market trades in 2023) |
| 2026-06-29 | Hedlund Michael A | pao, SVP and Group Controller | 1,848 | $115K | 12.3% | Yes | Too little history (no open-market trades in 2023) |
| 2026-06-29 | Conrad Micah R. | EVP & COO | 5,000 | $310K | 4.9% | Yes | Too little history (no open-market trades in 2023) |
| 2026-04-17 | Conrad Micah R. | EVP & COO | 5,000 | $300K | 4.7% | Yes | Too little history (no open-market trades in 2023) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Consensus Buy (mean 2.33 on a 1–5 scale), 15 analysts; mean target USD 67.43 (low 52, high 85).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-16 | RBC Capital | Target lowered | Outperform | $73 → $71 |
| 2026-10-12 | JP Morgan | Target lowered | Underweight | $60 → $52 |
| 2026-10-06 | TD Cowen | Target lowered | Buy | $68 → $66 |
| 2026-10-01 | Evercore ISI Group | Target lowered | In-Line | $66 → $60 |
| 2026-07-30 | RBC Capital | Target raised | Outperform | $70 → $73 |
| 2026-07-30 | Truist Securities | Target raised | Buy | $70 → $71 |
| 2026-07-30 | Citizens | Target raised | Market Outperform | $68 → $70 |
| 2026-07-07 | Barclays | Target lowered | Equal-Weight | $61 → $60 |
| 2026-07-07 | TD Cowen | Target raised | Buy | $66 → $68 |
| 2026-07-06 | Evercore ISI Group | Target raised | In-Line | $58 → $66 |
| 2026-07-02 | Truist Securities | Target lowered | Buy | $73 → $70 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-18) |
|---|---|---|
| Total return | +8.8% | +61.0% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +8.9% | +10.0% |
| Volatility (annualized) | 28.7% | 35.8% |
| Max drawdown | -29.7% (Jan 2026→Mar 2026) | -42.5% (Jan 2022→Sep 2022) |

## Peers (Credit Services)
CACC (Credit Acceptance Corporation) USD 558.9 +3.26% · FCFS (FirstCash Holdings, Inc.) USD 184.78 -14.75% · KLAR (Klarna Group plc) USD 13.23 +0.84% · SEZL (Sezzle Inc.) USD 139.3 +2.26% · NNI (Nelnet, Inc.) USD 125.85 +0.26% · ENVA (Enova International, Inc.) USD 176.78 -1.82%

## More
Full page: https://nexqual.com/OMF · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-07-29)

- "Conference Call & Webcast Information OneMain management will host a conference call and webcast to discuss the Company's results, outlook, and related matters at 9:00 am Eastern Time on Wednesday, July 29, 2026."
- "We undertake no obligation to update or revise any forward-looking statements, whether written or oral, to reflect events or circumstances after the date of this document or to reflect the occurrence of unanticipated events or the non-occurrence of anticipated events, whether as a result of new information, future developments or otherwise, except as required by law. 4 OneMain Holdings, Inc."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $1.56 | $1.91 | -18.3% | $1.34B | 14 |
| Next quarter (ends 2026-12-31) | $1.88 | $2.00 | -6.2% | $1.38B | 14 |
| Current fiscal year (ends 2026-12-31) | $6.73 | $7.15 | -5.9% | $5.28B | 15 |
| Next fiscal year (ends 2027-12-31) | $8.48 | $8.58 | -1.2% | $5.70B | 15 |