NYSE:OMF (USA) Also trade in: Germany

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 (-%)

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
0.03
0.41
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
0.04
0.23
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
3.2
22.2
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
0
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
-55.35
76.18
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
-46.01
66.88
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
-2.45
3.53
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
-7.7
40.5

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Financials (Next Earnings Date: 2019-07-31)

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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
6.61
123.26
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
6.61
123.26
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
0.83
3.03
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
0.94
5.66
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
1.54
24.83
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
1.54
24.83
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
4.4
15.4

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
0.72
0.79
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
0
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
0.72
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
-6.4
0

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
1.66
6.9
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
0.18
0.55
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
0.63
3.23
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
0.71
2.75

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

Analyst Estimate

Piotroski F-Score Details