OMF OneMain Holdings, Inc.

$54.74▲ +0.45% Unknown Other Last sync: just now Syncing
Key Metrics & Fundamentals
Market Cap
$6.32B
P/E Ratio
8.2
Div Yield
7.70%
52W Range
45.78 - 71.93
% vs 50 MA
0.34%
% vs 200 MA
-5.60%
RSI-14
54.5
MACD Histogram
+0.2300
Beta (1Y vs SPY)
1.15
Free Cash Flow
$739.00M
Gross Rev
$1.27B
Gross Profit
$1.27B
EBITDA
–
COGS
–
Operating Exp
–
Operating Income
–
EBIT
–
Pretax Income
$296.00M
Net Income
$226.00M
EPS (Diluted)
1.93
Price & Volume History
Volume (M)
Financial Overview - Income Statement Quarterly
Social Sentiment
No Reddit posts found for OMF.
AI Analysis
Generated May 28, 9:10 PM
Company Overview

OneMain Holdings, Inc. is a leading consumer finance company specializing in providing personal loans to individuals, primarily those with non-prime credit profiles. Operating through a network of branches and online platforms, the company leverages its established underwriting expertise to serve an underserved segment of the market.

Bull Case
  • Attractive valuation with a low P/E ratio of 8.1, potentially indicating the stock is undervalued relative to its earnings power.
  • Strong market position in the non-prime consumer lending segment, which has consistent demand and less competition from traditional banks.
  • Extensive branch network combined with advanced data analytics for underwriting provides a competitive advantage and helps manage credit risk.
  • Potential for resilient earnings and cash flow generation due to the essential nature of personal loans for its target demographic, even in varying economic conditions.
Bear Case
  • High sensitivity to economic downturns, rising unemployment, and increased loan defaults, which can significantly impact asset quality and profitability.
  • Exposure to regulatory risk, including potential for stricter consumer lending laws, interest rate caps, or increased compliance costs.
  • Rising interest rates could increase funding costs for OMF and potentially lead to higher borrower defaults, compressing net interest margins.
  • Significant price decline from its 52-week high and trading below key moving averages indicate a persistent bearish trend and potential for further downside.
Recent Performance

OMF has experienced a significant downturn, currently trading at $54.06, which is 24.8% below its 52-week high. The stock is in a clear downtrend, evidenced by its price being 2.2% below the 50-day moving average and 9.2% below the 200-day moving average. While the daily change was a modest -0.4%, the RSI-14 at 44.1 suggests neutral momentum, but the overall technical picture points to sustained selling pressure.

AI-generated analysis is for informational purposes only and does not constitute financial advice.

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