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OneMain HoldingsOMF -1.29%70 PS Ratio is 1.44 as of Aug. 01, 2026, which is 7% above its 10-year median of 1.34. 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 524 Credit Services companies, OneMain Holdings ranks better than 72.71% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, OneMain Holdings's share price is $62.58.
OneMain Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was $43.57. Hence, OneMain Holdings's PS Ratio for today is 1.44.
The historical rank and industry rank for OneMain Holdings's PS Ratio or its related term are showing as below:
OMF'
s PS Ratio Range Over the Past 10 Years
Min: 0.55 Med: 1.34 Max: 2.13
Current: 1.44
During the past 13 years, OneMain Holdings's highest PS Ratio was 2.13. The lowest was 0.55. And the median was 1.34.
OMF's PS Ratio is ranked better than 72.71% of 524
companies
in the Credit Services industry
Industry Median: 2.89
vs OMF: 1.44
OneMain Holdings Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of OneMain Holdings was 9.70% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 7.30% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 7.50% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 10.40% per year.
During the past 13 years, OneMain Holdings's highest 3-Year average Revenue per Share Growth Rate was 39.60% per year. The lowest was -19.20% per year. And the median was 7.60% per year.
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
OneMain Holdings PS Ratio Related Terms
OneMain Holdings PS Ratio Historical Data
* Premium members only.
The historical data trend for OneMain Holdings's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OneMain Holdings's PS Ratio distribution charts can be found below:
* The bar in red indicates where OneMain Holdings's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
OneMain Holdings's Share Price of today is $62.58. OneMain Holdings's Revenue per Share 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 $43.57.
* 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.
It can also be calculated from the numbers for the whole company:
OneMain Holdings (OMF) has a PS Ratio of 1.44 as of Aug. 01, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on OneMain Holdings and its competitors. This is near median its historical median of 1.34. Over the past decade, OneMain Holdings' PS Ratio has ranged from 0.55 to 2.13. According to the industry distribution chart, OneMain Holdings ranks #143 out of 524 companies in the Credit Services industry, placing it in the top 27.3%.
Is OneMain Holdings' PS Ratio too high?
OneMain Holdings' current PS Ratio of 1.44 is near median its 10-year median of 1.34. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 2.13. The Credit Services industry median PS Ratio is 2.89. OneMain Holdings' value of 1.44 is 50.2% below this industry median. Based on the distribution chart, OneMain Holdings ranks #143 out of 524 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' PS Ratio compare to KLAR and CACC?
According to the Credit Services industry distribution chart, OneMain Holdings ranks #143 out of 524 companies for PS Ratio. This puts OneMain Holdings in the upper half of its industry. The industry median PS Ratio is 2.89. OneMain Holdings' value of 1.44 is 50.2% below this benchmark. Historically, OneMain Holdings' own PS Ratio has ranged from 0.55 to 2.13 over the past decade. While the company's 10-year median is 1.34 vs. the industry median of 2.89, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.89, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OneMain Holdings's current PS Ratio of 1.44 is 50.2% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on OneMain Holdings and its competitors. For the Credit Services industry, the median PS Ratio is 2.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OneMain Holdings's current PS Ratio is 1.44, which is near median its own 10-year median of 1.34. 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 PS Ratio is 1.44, which is near median its 10-year median of 1.34 and 50.2% below the Credit Services industry median of 2.89. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For OneMain Holdings (OMF), the current PS Ratio is 1.44 as of Aug. 01, 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:
PS Ratio: 1.44 (near median its 10-year median of 1.34)
GF Value™: $59.84 vs. price of $62.58 (4.6% above fair value)
Industry Position: 50.2% below the Credit Services median (#143 of 524)
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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