OneMain HoldingsMEX:OMF 65 Return-on-Tangible-Equity is 55.38% as of Mar. 2026, which is 53% above its 10-year median of 36.21. GuruFocus rates MEX:OMF with a GF Score™ of 65/100 and a GF Value™ of MXN810.81. The stock has 3 warning signs investors should review. Among 523 Credit Services companies, OneMain Holdings ranks better than 95.03% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. OneMain Holdings's annualized net income for the quarter that ended in Mar. 2026 was MXN16,302 Mil. OneMain Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was MXN29,434 Mil. Therefore, OneMain Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 55.38%.
The historical rank and industry rank for OneMain Holdings's Return-on-Tangible-Equity or its related term are showing as below:
MEX:OMF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 14.25 Med: 36.21 Max: 84.91
Current: 49.91
During the past 13 years, OneMain Holdings's highest Return-on-Tangible-Equity was 84.91%. The lowest was 14.25%. And the median was 36.21%.
MEX:OMF's Return-on-Tangible-Equity is ranked better than 95.03% of 523
companies
in the Credit Services industry
Industry Median: 7.05
vs MEX:OMF: 49.91
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
OneMain Holdings Return-on-Tangible-Equity Related Terms
OneMain Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for OneMain Holdings's Return-on-Tangible-Equity 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.
MEX:OMF vs CACC, KLAR, ENVA: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, OneMain Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OneMain Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where OneMain Holdings's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 55.38% mean?
OneMain Holdings (MEX:OMF) has a Return-on-Tangible-Equity of 55.38% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on OneMain Holdings and its competitors. This is 53% above median its historical median of 36.21. Over the past decade, OneMain Holdings' Return-on-Tangible-Equity has ranged from 14.25 to 84.91. According to the industry distribution chart, OneMain Holdings ranks #26 out of 523 companies in the Credit Services industry, placing it in the top 5%.
Is OneMain Holdings' Return-on-Tangible-Equity too high?
OneMain Holdings' current Return-on-Tangible-Equity of 55.38% is 53% above median its 10-year median of 36.21. Over the past 10 years, this metric has ranged from a low of 14.25 to a high of 84.91. The Credit Services industry median Return-on-Tangible-Equity is 7.05. OneMain Holdings' value of 55.38% is 685.5% above this industry median. Based on the distribution chart, OneMain Holdings ranks #26 out of 523 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 65/100, reflecting its overall financial health beyond just this single metric.
How does OneMain Holdings' Return-on-Tangible-Equity compare to CACC and KLAR?
According to the Credit Services industry distribution chart, OneMain Holdings ranks #26 out of 523 companies for Return-on-Tangible-Equity. This places OneMain Holdings in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.05. OneMain Holdings' value of 55.38% is 685.5% above this benchmark. Historically, OneMain Holdings' own Return-on-Tangible-Equity has ranged from 14.25 to 84.91 over the past decade. While the company's 10-year median is 36.21 vs. the industry median of 7.05, OneMain Holdings has consistently been above 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.05, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OneMain Holdings's current Return-on-Tangible-Equity of 55.38% is 685.5% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on OneMain Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OneMain Holdings's current Return-on-Tangible-Equity is 55.38%, which is 53% above median its own 10-year median of 36.21. 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 Return-on-Tangible-Equity of 55.38%. The stock's GF Value™ is MXN810.81, compared to a current price of MXN832.78 — trading 2.7% above its estimated fair value. The current Return-on-Tangible-Equity is 55.38%, which is 53% above median its 10-year median of 36.21 and 685.5% above the Credit Services industry median of 7.05. OneMain Holdings' overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For OneMain Holdings (MEX:OMF), the current Return-on-Tangible-Equity is 55.38% as of Mar. 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 2.7% above its estimated GF Value™ of MXN810.81.
Key valuation signals for MEX:OMF:
Return-on-Tangible-Equity: 55.38% (53% above median its 10-year median of 36.21)
GF Value™: MXN810.81 vs. price of MXN832.78 (2.7% above fair value)
Industry Position: 685.5% above the Credit Services median (#26 of 523)
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 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.
65GF Score
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