A Look At OneMain Holdings (OMF) Valuation After In Line Results And 2026 Growth Plans

Simply Wall St.02-10 16:21

OneMain Holdings (OMF) is back in focus after reporting fourth quarter and full year 2025 results that met Wall Street revenue expectations, alongside plans to expand in auto finance and credit cards ...

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See our latest analysis for OneMain Holdings. Despite the latest earnings beat and plans to grow in auto finance and credit cards, OneMain Holdings’ recent 30-day share price return of a 12.39% decline and year-to-date weakness contrast with a 1-year total shareholder return of 18.12% and very strong 3-year and 5-year total shareholder returns. This suggests that long-term momentum has held up even as near-term sentiment has cooled. If this news has you thinking about where else capital might work hard for you, it could be worth scanning our 22 top founder-led companies as another way to spot potential long-term compounders. With earnings per share at US$6.56, a recent share price of US$62.10, an indicated dividend of US$1.05 a quarter and management still buying back stock, is OneMain trading at a discount, or is future growth already baked in? AdvertisementMost Popular Narrative: 14.1% Undervalued With OneMain Holdings last closing at $62.10 against a widely followed narrative fair value of $72.29, the current price sits below that framework and puts the spotlight on how earnings, credit quality and capital returns might shape long term outcomes.  Ongoing enhancements in proprietary credit analytics and underwriting, combined with a shrinking exposure to legacy \"back book\" loans, have resulted in improved delinquency and net charge off trends; this is expected to lower provisioning expenses and support higher net income and EPS.  Read the complete narrative. If you want to see what that could mean in practice, the most followed narrative ties its fair value to expectations for faster revenue growth, a leaner margin profile and a future earnings multiple that sits below where many comparable lenders trade today. The real interest is how those moving parts combine into the $72.29 number. Result: Fair Value of $72.29 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, the picture could change if funding costs rise or if nonprime borrowers come under stress, as that would pressure both credit performance and net interest margins. Find out about the key risks to this OneMain Holdings narrative. Another Take: What The P/E Ratio Is Saying While the narrative fair value points to upside, the simple P/E picture is less one sided. At a P/E of 9.3x, OneMain trades above the US Consumer Finance industry average of 8.4x, yet below its own fair ratio of 16.5x and far under a 50.3x peer average. Is that a healthy middle ground, or a valuation that could swing sharply either way? See what the numbers say about this price — find out in our valuation breakdown. NYSE:OMF P/E Ratio as at Feb 2026 Build Your Own OneMain Holdings Narrative If parts of this story do not quite line up with how you see the numbers, you can stress test the assumptions yourself and shape a version that fits your view in just a few minutes, then Do it your way. A great starting point for your OneMain Holdings research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision. Looking for more investment ideas? If OneMain has sharpened your thinking, do not stop here, use the Simply Wall Street Screener to spot other opportunities that might suit your style.  Target strong valuation potential by scanning 52 high quality undervalued stocks that currently screen well on both quality and price, so you are not just paying up for a good story. Lock in the comfort of regular cash returns by reviewing 14 dividend fortresses that combine higher yields with business models focused on sustaining those payouts. Prioritise resilience by checking 82 resilient stocks with low risk scores where balance sheets and risk scores aim to keep downside in check while you search for upside.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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