OneMain Holdings (STU:0S1) E10: €5.46 (As of Jun. 2026)

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STU:0S1 OneMain Holdings Inc STU:0S1
20 GF Score
Price €54.28
GF Value €51.90
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is OneMain Holdings E10?

OneMain Holdings STU:0S1 -1.52% 20 E10 is €5.46 as of Jun. 2026. GuruFocus rates STU:0S1 with a GF Score™ of 20/100 and a GF Value™ of €51.90 (Fairly Valued). The stock has 3 warning signs investors should review.

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 Jun. 2026 was €1.146. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €5.46 for the trailing ten years ended in Jun. 2026.

During the past 12 months, OneMain Holdings's average E10 Growth Rate was -100.00% per year. During the past 3 years, the average E10 Growth Rate was 11.40% per year. During the past 5 years, the average E10 Growth Rate was 21.90% 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 35.90% per year. The lowest was 11.40% per year. And the median was 16.10% per year.

As of today (2026-08-02), OneMain Holdings's current stock price is €54.28. OneMain Holdings's E10 for the quarter that ended in Jun. 2026 was €5.46. OneMain Holdings's Shiller PE Ratio of today is 9.94.

During the past 13 years, the highest Shiller PE Ratio of OneMain Holdings was 28.50. The lowest was 7.27. And the median was 10.23.


OneMain Holdings  (STU: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
=54.28/5.46
=9.94

* 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 28.50. The lowest was 7.27. And the median was 10.23.


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


OneMain Holdings E10 Historical Data

* Premium members only.

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.

OneMain Holdings E10 Chart

OneMain Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.81 3.97 4.54 4.78 5.05

OneMain Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 4.52 4.77 5.05 5.24 5.46

STU:0S1 vs KLAR, CACC, ENVA: E10 Comparison

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 Shiller PE Ratio vs 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.


STU:0S1
20GF Score
OneMain Holdings Inc STU:0S1
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.146/333.9520*333.9520
=1.146

Current CPI (Jun. 2026) = 333.9520.

OneMain Holdings Quarterly Data

per share eps CPI Adj_EPS
201609 0.169 241.428 0.234
201612 0.190 241.432 0.263
201703 0.234 243.801 0.321
201706 0.267 244.955 0.364
201709 0.428 246.819 0.579
201712 0.245 246.524 0.332
201803 0.738 249.554 0.988
201806 0.043 251.989 0.057
201809 0.934 252.439 1.236
201812 1.087 251.233 1.445
201903 0.982 254.202 1.290
201906 1.257 256.143 1.639
201909 1.653 256.759 2.150
201912 1.719 256.974 2.234
202003 0.217 258.115 0.281
202006 0.586 257.797 0.759
202009 1.579 260.280 2.026
202012 2.195 260.474 2.814
202103 2.570 264.877 3.240
202106 2.158 271.696 2.652
202109 1.845 274.310 2.246
202112 1.788 278.802 2.142
202203 2.161 287.504 2.510
202206 1.580 296.311 1.781
202209 1.505 296.808 1.693
202212 1.397 296.797 1.572
202303 1.382 301.836 1.529
202306 0.785 305.109 0.859
202309 1.509 307.789 1.637
202312 1.263 306.746 1.375
202403 1.187 312.332 1.269
202406 0.548 314.175 0.582
202409 1.180 315.301 1.250
202412 1.003 315.605 1.061
202503 1.646 319.799 1.719
202506 1.214 322.561 1.257
202509 1.423 324.800 1.463
202512 1.469 324.054 1.514
202603 1.669 330.213 1.688
202606 1.146 333.952 1.146

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

Frequently Asked Questions Learn more about E10 →
What does a E10 of €5.46 mean?
OneMain Holdings (STU:0S1) has a E10 of €5.46 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on OneMain Holdings and its competitors.
Is OneMain Holdings' E10 too high?
OneMain Holdings' current E10 is €5.46. Overall, OneMain Holdings has a GF Score™ of 20/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OneMain Holdings' E10 compare to KLAR and CACC?
OneMain Holdings' E10 of €5.46 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on OneMain Holdings and its competitors. OneMain Holdings's current E10 is €5.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OneMain Holdings stock overvalued right now?
Based on GuruFocus' analysis, OneMain Holdings (STU:0S1) is currently considered Fairly Valued. The stock's GF Value™ is €51.90, compared to a current price of €54.28 — trading 4.6% above its estimated fair value. The current E10 is €5.46. OneMain Holdings' overall GF Score™ is 20/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For OneMain Holdings (STU:0S1), the current E10 is €5.46 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is OneMain Holdings (STU:0S1) Overvalued in 2026?

Based on GuruFocus' analysis, OneMain Holdings stock appears to be overvalued. The current stock price of €54.28 is trading 4.6% above its estimated GF Value™ of €51.90. GuruFocus considers OneMain Holdings to be Fairly Valued.

Key valuation signals for STU:0S1:

  • E10: €5.46
  • GF Value™: €51.90 vs. price of €54.28 (4.6% above fair value)
  • GF Score™: 20/100 with 3 warning signs

No single metric tells the full story. See the STU:0S1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


OneMain Holdings Business Description

Other Exchanges OMF:USA
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 operates in single reportable segment Consumer and Insurance which originates and services personal loans and auto finance loans, offer credit cards, and provide optional credit and non-credit insurance and other optional products through its branch and central operations, as well as digital platform.
20GF Score

Get the complete analysis for STU:0S1

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€54.28
Price
€51.90
GF Value