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OneMain Holdings (FRA:0S1) Cyclically Adjusted Book per Share : €27.11 (As of Mar. 2025)


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What is OneMain Holdings Cyclically Adjusted Book per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

OneMain Holdings's adjusted book value per share for the three months ended in Mar. 2025 was €25.436. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €27.11 for the trailing ten years ended in Mar. 2025.

During the past 12 months, OneMain Holdings's average Cyclically Adjusted Book Growth Rate was 3.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of OneMain Holdings was 9.40% per year. The lowest was 7.00% per year. And the median was 8.20% per year.

As of today (2025-05-28), OneMain Holdings's current stock price is €44.67. OneMain Holdings's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was €27.11. OneMain Holdings's Cyclically Adjusted PB Ratio of today is 1.65.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of OneMain Holdings was 2.80. The lowest was 1.12. And the median was 1.70.


OneMain Holdings Cyclically Adjusted Book per Share Historical Data

The historical data trend for OneMain Holdings's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

OneMain Holdings Cyclically Adjusted Book per Share Chart

OneMain Holdings Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.82 21.27 24.69 25.61 28.39

OneMain Holdings Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 26.37 27.56 26.00 28.39 27.11

Competitive Comparison of OneMain Holdings's Cyclically Adjusted Book per Share

For the Credit Services subindustry, OneMain Holdings's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


OneMain Holdings's Cyclically Adjusted PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, OneMain Holdings's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where OneMain Holdings's Cyclically Adjusted PB Ratio falls into.


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OneMain Holdings Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, OneMain Holdings's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book= Book Value per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=25.436/134.9266*134.9266
=25.436

Current CPI (Mar. 2025) = 134.9266.

OneMain Holdings Quarterly Data

Book Value per Share CPI Adj_Book
201506 19.850 100.684 26.601
201509 19.764 100.392 26.563
201512 19.173 99.792 25.923
201603 19.513 100.470 26.205
201606 19.946 101.688 26.466
201609 20.140 101.861 26.678
201612 21.551 101.863 28.546
201703 21.457 102.862 28.146
201706 20.747 103.349 27.086
201709 20.028 104.136 25.950
201712 20.465 104.011 26.548
201803 20.213 105.290 25.903
201806 21.996 106.317 27.915
201809 22.972 106.507 29.102
201812 24.584 105.998 31.293
201903 25.689 107.251 32.318
201906 26.929 108.070 33.621
201909 27.314 108.329 34.020
201912 28.633 108.420 35.633
202003 20.565 108.902 25.480
202006 20.964 108.767 26.006
202009 19.739 109.815 24.253
202012 21.054 109.897 25.849
202103 20.663 111.754 24.947
202106 21.927 114.631 25.809
202109 20.181 115.734 23.528
202112 21.417 117.630 24.566
202203 22.297 121.301 24.802
202206 23.190 125.017 25.028
202209 24.810 125.227 26.732
202212 23.514 125.222 25.336
202303 23.864 127.348 25.284
202306 23.434 128.729 24.562
202309 24.227 129.860 25.172
202312 24.396 129.419 25.434
202403 24.666 131.776 25.256
202406 24.459 132.554 24.897
202409 24.207 133.029 24.552
202412 25.531 133.157 25.870
202503 25.436 134.927 25.436

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


OneMain Holdings  (FRA:0S1) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

OneMain Holdings's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=44.67/27.11
=1.65

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of OneMain Holdings was 2.80. The lowest was 1.12. And the median was 1.70.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


OneMain Holdings Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of OneMain Holdings's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


OneMain Holdings Business Description

Traded in Other Exchanges
Address
601 N.W. Second Street, Evansville, IN, USA, 47708
OneMain Holdings Inc is a consumer finance company providing loan products to customers through its branch network and the internet. The company provides personal loan products; offers credit cards; offers optional credit insurance and others; offers a customer-focused financial wellness program, and acquisitions and dispositions of assets and businesses. It provides origination, underwriting, and servicing of personal loans to non-prime customers. The company's reportable segment is Consumer and Insurance. The main source of revenue is net interest income.

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