OneMain Holdings Inc
$
31.98
-0.43 (-1.33%)
| Volume: | 295,927 | Avg Vol (1m): | 563,896 |
| Market Cap $: | 4.35 Bil | Enterprise Value $: | 18.76 Bil |
| P/E (TTM): | 9.17 | P/B: | 1.14 |
| Earnings Power Value | 0 |
| Net Current Asset Value | 0 |
| Tangible Book | 15.83 |
| Projected FCF | 138.79 |
| Median P/S Value | 39.46 |
| Graham Number | 35.24 |
| Peter Lynch Value | 0 |
| DCF (FCF Based) | 0 |
| DCF (Earnings Based) | 0 |
YTD (-%)
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Financial Strength : 3/10
GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
| Current | vs industry | vs history | |
|---|---|---|---|
| Cash-to-Debt | 0.11 |
Cash-To-Debt ranked
lower than
83.74%
of
449
companies
in the
Credit Services
industry.
Industry Max: 10000, Med: 8.43, Min: 0.01
OMF:
0.11
Ranked among companies with meaningful Cash-To-Debt only.
|
Cash-To-Debt range over the past 10 years
Min: 0.03, Med: 0.07, Max: 0.41
Current: 0.11
|
| Equity-to-Asset | 0.19 |
Equity-to-Asset ranked
lower than
78.69%
of
413
companies
in the
Credit Services
industry.
Industry Max: 1, Med: 0.43, Min: -16.13
OMF:
0.19
Ranked among companies with meaningful Equity-to-Asset only.
|
Equity-to-Asset range over the past 10 years
Min: 0.04, Med: 0.17, Max: 0.23
Current: 0.19
|
| Debt-to-Equity | 4.08 |
Debt-to-Equity ranked
lower than
85.91%
of
220
companies
in the
Credit Services
industry.
Industry Max: 31.78, Med: 1.4, Min: 0.01
OMF:
4.08
Ranked among companies with meaningful Debt-to-Equity only.
|
Debt-to-Equity range over the past 10 years
Min: 3.2, Med: 4.73, Max: 22.2
Current: 4.08
|
| Debt-to-EBITDA | 4.67 |
Debt-to-EBITDA ranked
lower than
84.10%
of
283
companies
in the
Credit Services
industry.
Industry Max: 489.17, Med: 6.7, Min: 0.03
OMF:
4.67
Ranked among companies with meaningful Debt-to-EBITDA only.
|
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 4.67
Current: 4.67
|
| Beneish M-Score | -2.70 |
Not Manipulator
Manipulator
| |
| WACC vs ROIC % |
ROIC 0%
WACC 6.36%
| ||
Profitability & Growth : 4/10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
| Current | vs industry | vs history | |
|---|---|---|---|
| Net Margin % | 13.75 |
Net Margin ranked
lower than
64.38%
of
438
companies
in the
Credit Services
industry.
Industry Max: 349450, Med: 13.22, Min: -11643.24
OMF:
13.75
Ranked among companies with meaningful Net Margin only.
|
Net Margin range over the past 10 years
Min: -55.35, Med: 2.41, Max: 76.18
Current: 13.75
|
| ROE % | 13.01 |
ROE ranked
lower than
55.05%
of
436
companies
in the
Credit Services
industry.
Industry Max: 190103.22, Med: 6.88, Min: -6112.96
OMF:
13.01
Ranked among companies with meaningful ROE only.
|
ROE range over the past 10 years
Min: -46.01, Med: 2.19, Max: 66.88
Current: 13.01
|
| ROA % | 2.33 |
ROA ranked
lower than
60.93%
of
453
companies
in the
Credit Services
industry.
Industry Max: 185.91, Med: 2.32, Min: -914.31
OMF:
2.33
Ranked among companies with meaningful ROA only.
|
ROA range over the past 10 years
Min: -2.45, Med: 0.42, Max: 3.53
Current: 2.33
|
| 3-Year Total Revenue Growth Rate | 31.60 |
3-Year Revenue Growth Rate ranked
higher than
52.81%
of
356
companies
in the
Credit Services
industry.
Industry Max: 1159, Med: 6.6, Min: -100
OMF:
28.9
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
|
3-Year Revenue Growth Rate range over the past 10 years
Min: -7.7, Med: 19.5, Max: 40.5
Current: 28.9
|
» OMF's 30-Y Financials
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Business Description
| Industry | Credit Services » Credit Services   NAICS : 522291   SIC : 6141 |
| Compare | TSE:8593 TSE:8570 NAS:SLM BOM:532810 NAS:FCFS TSE:8572 TPE:5871 BOM:532955 BOM:533519 NSE:SRTRANSFIN OSTO:INTRUM NYSE:GDOT XKRX:029780 BOM:533398 BKK:MTC NAS:NAVI BKK:KTC-F SHSE:600901 NAS:QFIN HKSE:01606 |
| Traded in other countries | 0S1.Germany |
| Address | 601 North West Second Street, Evansville, IN, USA, 47708 |
| OneMain Holdings is a consumer finance company and one of the few that operate on a national scale in the United States. The company's services include providing personal loan products, offering credit and noncredit insurance, servicing loans, pursuing strategic acquisitions and dispositions of assets and businesses, and on occasion, establishing joint ventures or forming strategic alliances. The company's segments include consumer and insurance, acquisitions and servicing, and real estate. OMH was formed when a transaction brought together two branch-based consumer finance companies with complementary strategies and locations. In addition to hundreds of branches, the company also has a significant online business. Net interest income is the company's main source of revenue. | |
Ratios
| Current | vs industry | vs history | |
|---|---|---|---|
| PE Ratio (TTM) | 9.17 |
PE Ratio ranked
lower than
65.01%
of
343
companies
in the
Credit Services
industry.
Industry Max: 12291.33, Med: 16.14, Min: 0.03
OMF:
9.17
Ranked among companies with meaningful PE Ratio only.
|
PE Ratio range over the past 10 years
Min: 6.61, Med: 15.08, Max: 123.26
Current: 9.17
|
| Forward PE Ratio | 5.52 |
Forward P/E ranked
higher than
90.62%
of
64
companies
in the
Credit Services
industry.
Industry Max: 56.5, Med: 12.5, Min: 0.06
OMF:
5.52
Ranked among companies with meaningful Forward P/E only.
| N/A |
| PE Ratio without NRI | 9.17 |
PE without NRI ranked
lower than
65.19%
of
339
companies
in the
Credit Services
industry.
Industry Max: 12291.33, Med: 16.11, Min: 0.03
OMF:
9.17
Ranked among companies with meaningful PE without NRI only.
|
PE without NRI range over the past 10 years
Min: 6.61, Med: 15.08, Max: 123.26
Current: 9.17
|
| PB Ratio | 1.14 |
PB Ratio ranked
lower than
54.31%
of
418
companies
in the
Credit Services
industry.
Industry Max: 2284.63, Med: 1.19, Min: 0.04
OMF:
1.14
Ranked among companies with meaningful PB Ratio only.
|
PB Ratio range over the past 10 years
Min: 0.83, Med: 1.33, Max: 3.03
Current: 1.14
|
| PS Ratio | 1.29 |
PS Ratio ranked
higher than
77.54%
of
414
companies
in the
Credit Services
industry.
Industry Max: 1151.59, Med: 3.46, Min: 0.01
OMF:
1.29
Ranked among companies with meaningful PS Ratio only.
|
PS Ratio range over the past 10 years
Min: 0.94, Med: 1.56, Max: 5.66
Current: 1.29
|
| Price-to-Free-Cash-Flow | 2.13 |
Price-to-Free-Cash-Flow ranked
higher than
85.58%
of
104
companies
in the
Credit Services
industry.
Industry Max: 1671.38, Med: 8.52, Min: 0.45
OMF:
2.13
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
|
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.54, Med: 2.97, Max: 24.83
Current: 2.13
|
| Price-to-Operating-Cash-Flow | 2.13 |
Price-to-Operating-Cash-Flow ranked
higher than
82.68%
of
127
companies
in the
Credit Services
industry.
Industry Max: 2660, Med: 7.24, Min: 0.45
OMF:
2.13
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
|
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.54, Med: 2.97, Max: 24.83
Current: 2.13
|
| EV-to-Revenue | 5.46 |
EV-to-Revenue ranked
lower than
58.12%
of
425
companies
in the
Credit Services
industry.
Industry Max: 95879.51, Med: 5.35, Min: 0.03
OMF:
5.46
Ranked among companies with meaningful EV-to-Revenue only.
|
EV-to-Revenue range over the past 10 years
Min: 4.4, Med: 6.1, Max: 15.4
Current: 5.46
|
Dividend & Buy Back
| Current | vs industry | vs history | |
|---|---|---|---|
| Dividend Yield % | 0.78 |
Trailing Dividend Yield ranked
lower than
100.00%
of
316
companies
in the
Credit Services
industry.
Industry Max: 95, Med: 2.56, Min: 0.01
OMF:
0.78
Ranked among companies with meaningful Trailing Dividend Yield only.
|
Trailing Dividend Yield range over the past 10 years
Min: 0.72, Med: 0.75, Max: 0.79
Current: 0.78
|
| Dividend Payout Ratio | 0.07 |
Dividend Payout Ratio ranked
lower than
100.00%
of
170
companies
in the
Credit Services
industry.
Industry Max: 183.33, Med: 0.3, Min: 0.02
OMF:
0.07
Ranked among companies with meaningful Dividend Payout Ratio only.
|
Dividend Payout Ratio range over the past 10 years
Min: 0, Med: 0, Max: 0.07
Current: 0.07
|
| Forward Dividend Yield % | 3.13 |
Forward Dividend Yield ranked
lower than
100.00%
of
305
companies
in the
Credit Services
industry.
Industry Max: 95, Med: 2.72, Min: 0.01
OMF:
3.13
Ranked among companies with meaningful Forward Dividend Yield only.
| N/A |
| Yield-on-Cost (5-Year) % | 0.79 |
Yield-on-Cost (5y) ranked
lower than
100.00%
of
402
companies
in the
Credit Services
industry.
Industry Max: 142.86, Med: 2.55, Min: 0.01
OMF:
0.79
Ranked among companies with meaningful Yield-on-Cost (5y) only.
|
Yield-on-Cost (5y) range over the past 10 years
Min: 0.72, Med: 0.75, Max: 0.79
Current: 0.79
|
| 3-Year Share Buyback Rate | -0.30 |
3-Year Share Buyback Rate ranked
lower than
54.64%
of
194
companies
in the
Credit Services
industry.
Industry Max: 26, Med: -3.7, Min: -404.3
OMF:
-0.3
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
|
3-Year Share Buyback Rate range over the past 10 years
Min: -6.4, Med: -0.9, Max: 0
Current: -0.3
|
Valuation & Return
| Current | vs industry | vs history | |
|---|---|---|---|
| Price-to-Tangible-Book | 2.02 |
Price-to-Tangible-Book ranked
lower than
79.46%
of
409
companies
in the
Credit Services
industry.
Industry Max: 2322.04, Med: 1.26, Min: 0.04
OMF:
2.02
Ranked among companies with meaningful Price-to-Tangible-Book only.
|
Price-to-Tangible-Book range over the past 10 years
Min: 1.66, Med: 2.55, Max: 6.9
Current: 2.02
|
| Price-to-Projected-FCF | 0.23 |
Price-to-Intrinsic-Value-Projected-FCF ranked
higher than
81.11%
of
90
companies
in the
Credit Services
industry.
Industry Max: 23.81, Med: 1.01, Min: 0.05
OMF:
0.23
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
|
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.18, Med: 0.38, Max: 0.55
Current: 0.23
|
| Price-to-Median-PS-Value | 0.81 |
Price-to-Median-PS-Value ranked
higher than
60.93%
of
366
companies
in the
Credit Services
industry.
Industry Max: 31, Med: 1, Min: 0.01
OMF:
0.81
Ranked among companies with meaningful Price-to-Median-PS-Value only.
|
Price-to-Median-PS-Value range over the past 10 years
Min: 0.63, Med: 0.95, Max: 3.23
Current: 0.81
|
| Price-to-Graham-Number | 0.91 |
Price-to-Graham-Number ranked
lower than
74.37%
of
199
companies
in the
Credit Services
industry.
Industry Max: 1124.21, Med: 1.07, Min: 0.02
OMF:
0.91
Ranked among companies with meaningful Price-to-Graham-Number only.
|
Price-to-Graham-Number range over the past 10 years
Min: 0.71, Med: 1.31, Max: 2.75
Current: 0.91
|
More Statistics
| Revenue (TTM) (Mil) $ | 3,454 |
| EPS (TTM) $ | 3.49 |
| Beta | 2.32 |
| Volatility % | 39.56 |
| 52-Week Range $ | 22.47 - 37.29 |
| Shares Outstanding (Mil) | 136.09 |