OneMain Holdings (MEX:OMF) Moat Score: 4/10 (As of Jul. 02, 2026)


MEX:OMF OneMain Holdings Inc MEX:OMF
68 GF Score
Price MXN832.78
GF Value MXN802.99
! 3 Warning Signs
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What is OneMain Holdings Moat Score?

OneMain Holdings MEX:OMF 68 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates MEX:OMF with a GF Score™ of 68/100 and a GF Value™ of MXN802.99. The stock has 3 warning signs investors should review. Among 566 Credit Services companies, OneMain Holdings ranks better than 95.05% on this metric.

OneMain Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

OneMain Holdings has Narrow Moat: OneMain Holdings has a discernible but modest moat due to its strong brand in consumer finance and customer switching costs. However, the competitive nature of the financial services industry limits its moat strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes OneMain Holdings might have Narrow Moat - Discernible but modest moat.

OneMain Holdings  (MEX:OMF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

OneMain Holdings Moat Score Related Terms

MEX:OMF vs CACC, KLAR, ENVA: Moat Score Comparison

For the Credit Services subindustry, OneMain Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

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

* The bar in red indicates where OneMain Holdings's Moat Score falls into.


MEX:OMF
68GF Score
OneMain Holdings Inc MEX:OMF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
OneMain Holdings (MEX:OMF) has a Moat Score of 4 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, OneMain Holdings ranks #28 out of 566 companies in the Credit Services industry, placing it in the top 4.9%.
Is OneMain Holdings' Moat Score too high?
OneMain Holdings' current Moat Score is 4. Based on the distribution chart, OneMain Holdings ranks #28 out of 566 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, OneMain Holdings has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does OneMain Holdings' Moat Score compare to CACC and KLAR?
According to the Credit Services industry distribution chart, OneMain Holdings ranks #28 out of 566 companies for Moat Score. This places OneMain Holdings in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. OneMain Holdings's current Moat Score is 4. 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 (MEX:OMF) has a current Moat Score of 4. The stock's GF Value™ is MXN802.99, compared to a current price of MXN832.78 — trading 3.7% above its estimated fair value. The current Moat Score is 4. OneMain Holdings' overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For OneMain Holdings (MEX:OMF), the current Moat Score is 4 as of Jul. 02, 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 (MEX:OMF) Overvalued in 2026?

Based on GuruFocus' analysis, OneMain Holdings stock appears to be overvalued. The current stock price of MXN832.78 is trading 3.7% above its estimated GF Value™ of MXN802.99.

Key valuation signals for MEX:OMF:

  • Moat Score: 4
  • GF Value™: MXN802.99 vs. price of MXN832.78 (3.7% above fair value)
  • GF Score™: 68/100 with 3 warning signs

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

OneMain Holdings Business Description

Other Exchanges OMF:USA0S1:Germany
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.
68GF Score

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

MXN832.78
Price
MXN802.99
GF Value