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OneMain Holdings (FRA:0S1) E10 : €4.79 (As of Dec. 2024)


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What is OneMain Holdings E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

OneMain Holdings's adjusted earnings per share data for the three months ended in Dec. 2024 was €1.003. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.79 for the trailing ten years ended in Dec. 2024.

During the past 12 months, OneMain Holdings's average E10 Growth Rate was -0.40% per year. During the past 3 years, the average E10 Growth Rate was 16.50% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of OneMain Holdings was 38.80% per year. The lowest was 16.50% per year. And the median was 27.65% per year.

As of today (2025-03-17), OneMain Holdings's current stock price is €42.61. OneMain Holdings's E10 for the quarter that ended in Dec. 2024 was €4.79. OneMain Holdings's Shiller PE Ratio of today is 8.90.

During the past 13 years, the highest Shiller PE Ratio of OneMain Holdings was 30.33. The lowest was 7.27. And the median was 10.84.


OneMain Holdings E10 Historical Data

The historical data trend for OneMain Holdings's E10 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 E10 Chart

OneMain Holdings Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.46 2.78 3.97 4.54 4.79

OneMain Holdings Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
E10 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 4.54 4.71 4.86 4.25 4.79

Competitive Comparison of OneMain Holdings's E10

For the Credit Services subindustry, OneMain Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio Distribution in the Credit Services Industry

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

* The bar in red indicates where OneMain Holdings's Shiller PE Ratio falls into.



OneMain Holdings E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Dec. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=1.003/133.1571*133.1571
=1.003

Current CPI (Dec. 2024) = 133.1571.

OneMain Holdings Quarterly Data

per share eps CPI Adj_EPS
201503 0.000 99.621 0.000
201506 -0.080 100.684 -0.106
201509 -0.089 100.392 -0.118
201512 -1.496 99.792 -1.996
201603 0.907 100.470 1.202
201606 0.169 101.688 0.221
201609 0.169 101.861 0.221
201612 0.190 101.863 0.248
201703 0.234 102.862 0.303
201706 0.267 103.349 0.344
201709 0.428 104.136 0.547
201712 0.245 104.011 0.314
201803 0.738 105.290 0.933
201806 0.043 106.317 0.054
201809 0.934 106.507 1.168
201812 1.087 105.998 1.366
201903 0.982 107.251 1.219
201906 1.257 108.070 1.549
201909 1.653 108.329 2.032
201912 1.719 108.420 2.111
202003 0.217 108.902 0.265
202006 0.586 108.767 0.717
202009 1.579 109.815 1.915
202012 2.195 109.897 2.660
202103 2.570 111.754 3.062
202106 2.158 114.631 2.507
202109 1.845 115.734 2.123
202112 1.788 117.630 2.024
202203 2.161 121.301 2.372
202206 1.580 125.017 1.683
202209 1.505 125.227 1.600
202212 1.397 125.222 1.486
202303 1.382 127.348 1.445
202306 0.785 128.729 0.812
202309 1.509 129.860 1.547
202312 1.263 129.419 1.299
202403 1.187 131.776 1.199
202406 0.548 132.554 0.550
202409 1.180 133.029 1.181
202412 1.003 133.157 1.003

Add all the adjusted EPS together and divide 10 will get our e10.


OneMain Holdings  (FRA:0S1) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

OneMain Holdings's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=42.61/4.79
=8.90

* 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 Shiller P/E Ratio of OneMain Holdings was 30.33. The lowest was 7.27. And the median was 10.84.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


OneMain Holdings E10 Related Terms

Thank you for viewing the detailed overview of OneMain Holdings's E10 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.

OneMain Holdings Headlines

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