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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3761
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$7.3B
Douglas H. Shulman
OneMain Holdings, Inc. engages in consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles. It operates through a network of approximately 1,400 branch offices in 44 states in the United States.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = OMF ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$OMF OneMain Holdings, Inc. | 38 | 23 | 39 | 46 | 9.1x | 23.6x | 21.6% | 2.7% | 0.0% | 18.0% | 13.8% | 14.2% | 9.2% | 667.0x | $7.3B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
OneMain Holdings, Inc. (OMF) receives a "Avoid" rating with a composite score of 38.2/100. It ranks #3761 out of 7,333 stocks in our coverage universe and carries a 1-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Below-average composite — caution warranted
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for OMF.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 23 | 6 | +17ALPHA |
| MOMENTUM | 46 | 45 | +1NEUTRAL |
| VALUATION | 39 | 40 | -1NEUTRAL |
| INVESTMENT | 35 | 60 | -25DRAG |
| STABILITY | 37 | 30 | +7ALPHA |
| SHORT INT | 41 | 38 | +3NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 3.6% vs WACC 5.6% (spread -2.1%)
GM 0% vs sector 78%, OM 18% vs sector 18%
Capital turnover 0.25x
Rev growth 14%, 10yr history
Interest coverage 0.8x, Net debt/EBITDA 17.1x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate OneMain Holdings, Inc. (OMF) as Avoid with a composite score of 38.2/100 at a current price of $55.21. The stock falls in the bottom quintile, and the multi-factor weakness suggests a high probability of continued underperformance.
OneMain Holdings, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 38.2/100 places it at rank #3761 in our full universe.
No Moat
Very High
Standard
Fair Value
Returns on equity of 21.6% exceed cost of capital.
Stable competitive position in a defensive sector.
Leverage of 667% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
OneMain Holdings, Inc. represents a avoid based on multi-factor quantitative performance.
Our quantitative model flags OneMain Holdings, Inc. with an Avoid rating, assigning a composite score of 38.2/100 and 1 out of 5 stars. Ranked #3761 of 7,333 stocks, OMF falls in the bottom tier across key factors. Historically, stocks with this profile have faced elevated risk of underperformance and capital loss.
OneMain Holdings, Inc. registers a weak quality score of just 23/100, indicating significant profitability challenges. The company reports a return on equity of 21.6% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 13.8% (sector avg: 21.9%). Low quality scores are often associated with businesses in turnaround mode, early-stage growth, or structurally challenged industries.
With a value score of 39/100, OMF appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 9.10x, an EV/EBITDA of 23.63x, a P/B ratio of 1.97x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
OneMain Holdings, Inc.'s investment score of 35/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 14.2% vs. a sector average of 10.7% and a return on assets of 2.7% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
OMF is currently showing below-average momentum at 46/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 14.2% year-over-year, while a beta of 1.46 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
OMF's stability score of 37/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 1.46 and a debt-to-equity ratio of 667.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
The short interest score of 41/100 for OMF suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include above-average market sensitivity (beta: 1.46), elevated leverage (D/E: 667.00x). With a $7.3B market cap (mid-cap), OneMain Holdings, Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
OneMain Holdings, Inc. offers an attractive dividend yield of 9.2%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
OneMain Holdings, Inc. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3761 of 7,333 overall (49th percentile). Key comparisons include ROE of 21.6% exceeding the 9.0% sector median and operating margins of 18.0% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While OMF currently exhibits a AVOID profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (23) would have the largest impact on the composite score.
EV/EBITDA 204% ABOVE SECTOR MEDIAN
ROE 140% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Gator Capital Management exited its entire position in OneMain Holdings (OMF), selling 83,850 shares worth approximately $4.78 million in the third quarter. Despite OneMain's strong operational performance with rising earnings, dividends, and buybacks, the fund's exit appears driven by portfolio rebalancing and concentration management rather than company concerns. OneMain shares have gained 30% over the past year, outperforming the S&P 500.
Regional Management (RM) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
OneMain (OMF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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