Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
OneMain Holdings's Enterprise Value for the quarter that ended in Jun. 2026 was €24,947 Mil.
OneMain Holdings's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,968 Mil.
* 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 EV-to-EBIT Related Terms
OneMain Holdings EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for OneMain Holdings's EV-to-EBIT 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.
STU:0S1 vs CACC, ENVA, KLAR: EV-to-EBIT Comparison
For the Credit Services subindustry, OneMain Holdings's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OneMain Holdings's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where OneMain Holdings's EV-to-EBIT falls into.
OneMain Holdings's current Enterprise Value is €25,377 Mil.
OneMain Holdings's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,968 Mil.
* 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 (STU:0S1) has a EV-to-EBIT of 12.90 as of Sep. 21, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on OneMain Holdings and its competitors. According to the industry distribution chart, OneMain Holdings ranks #123 out of 347 companies in the Credit Services industry, placing it in the top 35.4%.
Is OneMain Holdings' EV-to-EBIT too high?
OneMain Holdings' current EV-to-EBIT is 12.90. The Credit Services industry median EV-to-EBIT is 18.32. OneMain Holdings' value of 12.90 is 29.6% below this industry median. Based on the distribution chart, OneMain Holdings ranks #123 out of 347 companies in the Credit Services industry, which is above the industry midpoint. Overall, OneMain Holdings has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does OneMain Holdings' EV-to-EBIT compare to CACC and ENVA?
According to the Credit Services industry distribution chart, OneMain Holdings ranks #123 out of 347 companies for EV-to-EBIT. This puts OneMain Holdings in the upper half of its industry. The industry median EV-to-EBIT is 18.32. OneMain Holdings' value of 12.90 is 29.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 18.32, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OneMain Holdings's current EV-to-EBIT of 12.90 is 29.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on OneMain Holdings and its competitors. For the Credit Services industry, the median EV-to-EBIT is 18.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OneMain Holdings's current EV-to-EBIT is 12.90. 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?
OneMain Holdings (STU:0S1) has a current EV-to-EBIT of 12.90. The stock's GF Value™ is €48.97, compared to a current price of €52.60 — trading 7.4% above its estimated fair value. The current EV-to-EBIT is 12.90 and 29.6% below the Credit Services industry median of 18.32. OneMain Holdings' overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For OneMain Holdings (STU:0S1), the current EV-to-EBIT is 12.90 as of Sep. 21, 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 €52.60 is trading 7.4% above its estimated GF Value™ of €48.97.
Key valuation signals for STU:0S1:
EV-to-EBIT: 12.90
GF Value™: €48.97 vs. price of €52.60 (7.4% above fair value)
Industry Position: 29.6% below the Credit Services median (#123 of 347)
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 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.
67GF Score
Get the complete analysis for STU:0S1
EV-to-EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:0S1 has been successfully added to your 
