OneMain Holdings

OMF

Financial - Credit Services · Financial Services

Price

$60.30

-0.95 (-1.55%)

Market Cap

$6.97B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−10.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 133.1M (2021) → 119.3M (2025)

OneMain Holdings is a consumer lending company that gives personal loans to everyday Americans who have limited or no access to traditional bank loans. Its main customers are people with low-to-moderate credit scores who need money for things like debt consolidation, car repairs, or unexpected bills. OneMain is one of the largest personal installment loan lenders in the United States, operating through both a nationwide branch network and an online platform.

The company makes money by charging interest on the loans it issues, with rates that are higher than typical bank loans because its borrowers carry more credit risk. OneMain operates entirely within the United States, with roughly 1,400 branch locations across 44 states, giving it a broad physical presence that many online-only lenders cannot match. The key risk the business faces is credit losses — when the economy weakens and borrowers struggle to repay, loan defaults rise quickly, which can significantly hurt earnings.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+8.4% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$834M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

OneMain Holdings is growing revenue at 6% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

78.9%

Premium pricing power — 78.9% gross margin

Operating Margin

39.1%

Excellent — 39.1% operating margin

ROCE

2.4%

Weak — 2.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+7.8%

Steady sales growth (7.8% YoY)

EPS YoY

+42.1%

Earnings growing fast (42.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

403%

Turns 403% of profit into real cash

FCF Margin

50.7%

Converts sales into free cash efficiently (50.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

6.63

Heavy debt load (6.63)

Interest Cover

1.05x

Dangerous — barely covers interest (1.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

8.9x

Attractive valuation — P/E 8.9

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.7

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

7.04%

Healthy income — 7.04% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

+0.7%

Dividend flat

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