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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| OMF | +23.18% | +136.84% | +18.8% | +632% |
| S&P | +14.29% | +86.82% | +13.3% | +303% |
OneMain Holdings, Inc. is a consumer finance company, which provides origination, underwriting, and servicing of personal loans, primarily to non-prime customers. It operates through the Consumer and Insurance segment. The Consumer and Insurance segment offers services to secured and unsecured personal loans, voluntary credit, and non-credit insurance, and related products through its combined branch network, digital platform, and centralized operations. The company was founded on August 5, 2013, and is headquartered in Evansville, IN.
The exit comes as OneMain is printing record capital generation and returning more cash to shareholders than at any point in its recent history.
When a lender is firing on all cylinders and still gets cut, it says less about the company and more about how investors might be thinking about risk, timing, and opportunity cost.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $1.59B | 8.8% |
| Gross Profit | $1.34B | 8.3% |
| Gross Margin | 84.32% | -0.4% |
| Market Cap | $6.71B | 19.0% |
| Market Cap / Employee | $745.71K | 0.0% |
| Employees | 9K | 0.0% |
| Net Income | $199.00M | 26.8% |
| EBITDA | $1.18B | 8.2% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $1.41B | 10.7% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $22.34B | 5.7% |
| Short Term Debt | $0.00K | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.68% | 0.5% |
| Return On Invested Capital | 3.76% | -0.4% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $828.00M | 22.3% |
| Operating Free Cash Flow | $828.00M | 22.3% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 12.30 | 10.35 | 10.30 | 9.58 | -7.15% |
| Price to Book | 1.94 | 1.83 | 2.07 | 2.02 | 12.85% |
| Price to Sales | 1.09 | 1.00 | 1.13 | 1.10 | 8.90% |
| Price to Tangible Book Value | 4.30 | 4.08 | 4.47 | 4.28 | 5.60% |
| Price to Free Cash Flow TTM | 2.84 | 2.54 | 2.88 | 2.68 | 0.92% |
| Enterprise Value to EBITDA | 24.44 | 23.25 | 24.09 | 23.41 | 0.18% |
| Free Cash Flow Yield | 35.2% | 39.4% | 34.8% | 37.3% | -0.92% |
| Return on Equity | 16.0% | 17.5% | 20.5% | 21.4% | 23.40% |
| Total Debt | $21.44B | $21.49B | $22.05B | $22.34B | 5.68% |
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