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OneMain HoldingsOMF -1.29%70 Net Margin % is 11.70% as of Jun. 2026, which is 24% below its 10-year median of 15.37. GuruFocus rates OMF with a GF Score™ of 70/100 and a GF Value™ of $59.84 (Fairly Valued). The stock has 3 warning signs investors should review. Among 537 Credit Services companies, OneMain Holdings ranks better than 51.96% on this metric.
OneMain Holdings (NYSE:OMF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
OneMain Holdings Net Margin % Related Terms
OneMain Holdings Net Margin % Historical Data
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The historical data trend for OneMain Holdings's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OneMain Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where OneMain Holdings's Net Margin % falls into.
* 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 Net Margin % of 11.70% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on OneMain Holdings and its competitors. This is 24% below median its historical median of 15.37. Over the past decade, OneMain Holdings' Net Margin % has ranged from 6.16 to 32.56. According to the industry distribution chart, OneMain Holdings ranks #258 out of 537 companies in the Credit Services industry, placing it in the top 48%.
Is OneMain Holdings' Net Margin % too high?
OneMain Holdings' current Net Margin % of 11.70% is 24% below median its 10-year median of 15.37. Over the past 10 years, this metric has ranged from a low of 6.16 to a high of 32.56. The Credit Services industry median Net Margin % is 14.78. OneMain Holdings' value of 11.70% is 20.8% below this industry median. Based on the distribution chart, OneMain Holdings ranks #258 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, OneMain Holdings has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OneMain Holdings' Net Margin % compare to KLAR and CACC?
According to the Credit Services industry distribution chart, OneMain Holdings ranks #258 out of 537 companies for Net Margin %. This puts OneMain Holdings in the upper half of its industry. The industry median Net Margin % is 14.78. OneMain Holdings' value of 11.70% is 20.8% below this benchmark. Historically, OneMain Holdings' own Net Margin % has ranged from 6.16 to 32.56 over the past decade. While the company's 10-year median is 15.37 vs. the industry median of 14.78, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.78, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OneMain Holdings's current Net Margin % of 11.70% is 20.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on OneMain Holdings and its competitors. For the Credit Services industry, the median Net Margin % is 14.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OneMain Holdings's current Net Margin % is 11.70%, which is 24% below median its own 10-year median of 15.37. 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 $59.84, compared to a current price of $62.58 — trading 4.6% above its estimated fair value. The current Net Margin % is 11.70%, which is 24% below median its 10-year median of 15.37 and 20.8% below the Credit Services industry median of 14.78. OneMain Holdings' overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For OneMain Holdings (OMF), the current Net Margin % is 11.70% 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 (OMF) Overvalued in 2026?
Based on GuruFocus' analysis, OneMain Holdings stock appears to be overvalued.
The current stock price of $62.58 is trading 4.6% above its estimated GF Value™ of $59.84.
GuruFocus considers OneMain Holdings to be Fairly Valued.
Key valuation signals for OMF:
Net Margin %: 11.70% (24% below median its 10-year median of 15.37)
GF Value™: $59.84 vs. price of $62.58 (4.6% above fair value)
Industry Position: 20.8% below the Credit Services median (#258 of 537)
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.
70GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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