OneMain HoldingsOMF +2.24%69 EV-to-FCF is 8.93 as of Jun. 26, 2026, which is 10% below its 10-year median of 9.89. GuruFocus rates OMF with a GF Score™ of 69/100 and a GF Value™ of $58.22 (Fairly Valued). The stock has 3 warning signs investors should review. Among 265 Credit Services companies, OneMain Holdings ranks better than 60.38% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, OneMain Holdings's Enterprise Value is $28,637 Mil.
OneMain Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $3,206 Mil. Therefore, OneMain Holdings's EV-to-FCF for today is 8.93.
The historical rank and industry rank for OneMain Holdings's EV-to-FCF or its related term are showing as below:
OMF'
s EV-to-FCF Range Over the Past 10 Years
Min: 7.61 Med: 9.89 Max: 14.97
Current: 8.93
During the past 13 years, the highest EV-to-FCF of OneMain Holdings was 14.97. The lowest was 7.61. And the median was 9.89.
OMF's EV-to-FCF is ranked better than 60.38% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs OMF: 8.93
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
OneMain Holdings's PE Ratio (TTM) for today is calculated as:
OneMain Holdings's share price for today is $59.89.
OneMain Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.720.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
OneMain Holdings EV-to-FCF Related Terms
OneMain Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for OneMain Holdings's EV-to-FCF 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.
For the Credit Services subindustry, OneMain Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OneMain Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where OneMain Holdings's EV-to-FCF falls into.
OneMain Holdings's current Enterprise Value is $28,637 Mil.
OneMain Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3,206 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 (OMF) has a EV-to-FCF of 8.93 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on OneMain Holdings and its competitors. This is 10% below median its historical median of 9.89. Over the past decade, OneMain Holdings' EV-to-FCF has ranged from 7.61 to 14.97. According to the industry distribution chart, OneMain Holdings ranks #105 out of 265 companies in the Credit Services industry, placing it in the top 39.6%.
Is OneMain Holdings' EV-to-FCF too high?
OneMain Holdings' current EV-to-FCF of 8.93 is 10% below median its 10-year median of 9.89. Over the past 10 years, this metric has ranged from a low of 7.61 to a high of 14.97. The Credit Services industry median EV-to-FCF is 12.99. OneMain Holdings' value of 8.93 is 31.3% below this industry median. Based on the distribution chart, OneMain Holdings ranks #105 out of 265 companies in the Credit Services industry, which is above the industry midpoint. Overall, OneMain Holdings has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OneMain Holdings' EV-to-FCF compare to CACC and KLAR?
According to the Credit Services industry distribution chart, OneMain Holdings ranks #105 out of 265 companies for EV-to-FCF. This puts OneMain Holdings in the upper half of its industry. The industry median EV-to-FCF is 12.99. OneMain Holdings' value of 8.93 is 31.3% below this benchmark. Historically, OneMain Holdings' own EV-to-FCF has ranged from 7.61 to 14.97 over the past decade. While the company's 10-year median is 9.89 vs. the industry median of 12.99, OneMain Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OneMain Holdings's current EV-to-FCF of 8.93 is 31.3% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on OneMain Holdings and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OneMain Holdings's current EV-to-FCF is 8.93, which is 10% below median its own 10-year median of 9.89. 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 (OMF) is currently considered Fairly Valued. The stock's GF Value™ is $58.22, compared to a current price of $59.89 — trading 2.9% above its estimated fair value. The current EV-to-FCF is 8.93, which is 10% below median its 10-year median of 9.89 and 31.3% below the Credit Services industry median of 12.99. OneMain Holdings' overall GF Score™ is 69/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For OneMain Holdings (OMF), the current EV-to-FCF is 8.93 as of Jun. 26, 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 (OMF) Overvalued in 2026?
Based on GuruFocus' analysis, OneMain Holdings stock appears to be overvalued.
The current stock price of $59.89 is trading 2.9% above its estimated GF Value™ of $58.22.
GuruFocus considers OneMain Holdings to be Fairly Valued.
Key valuation signals for OMF:
EV-to-FCF: 8.93 (10% below median its 10-year median of 9.89)
GF Value™: $58.22 vs. price of $59.89 (2.9% above fair value)
Industry Position: 31.3% below the Credit Services median (#105 of 265)
No single metric tells the full story. See the OMF 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.
69GF Score
Get the complete analysis for OMF
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OMF has been successfully added to your 
