Skip to main content

OneMain Holdings, Inc. (OMF) Stock Analysis

Momentum Cont setup

Buy WaitVALUE-TRAP 1/5Moderate Confidence

Financial Services · Credit Services

Earnings in 0 days (2026-05-01). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Wait for pullback to $53.13. At $58.72 the A.R:R is 0.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $53.13 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Leverage penalty (D/E 6.7): -1.5.

OneMain is a nonprime consumer finance company with 1,300+ branch locations in 48 states offering personal loans, auto finance, and BrightWay credit cards. At December 31, 2025, it had $24.8 billion in finance receivables from approximately 3.6 million customer accounts. It... Read more

$58.72+11.2% A.UpsideScore 6.5/10#4 of 28 Credit Services
Entry $53.13(Support Atr Sticky)Stop $50.27Target $59.16(analyst − 13%)A.R:R 0.1:1Setup A.R:R 2.6:1
Analyst target$68.00+15.8%14 analysts
$59.16our TP
$58.72price
$68.00mean
$55
$85

Wait for pullback to $53.13. At $58.72 the A.R:R is 0.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $53.13 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Leverage penalty (D/E 6.7): -1.5. Chart setup: Trend continuation, RSI 65, MACD bullish. Earnings in 0 days. Wait until post-earnings. Score 6.5/10, moderate confidence.

Passes 4/7 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and earnings proximity 0d<=7d. Suitability: moderate.

Val8.6Qual7.3Grw7.8Mom4.3Sent6.8Ins5.0Peer5.4Tech4.0Risk4.36.5OVERALL

Thesis

Rewards
No bull case signals
Risks
Analyst target reached - limited upside remaining
Leverage penalty (D/E 6.7): -1.5

Key Metrics

P/E (TTM)8.8
P/E (Fwd)6.6
Mkt Cap$6.8B
EV/EBITDA—
Profit Mgn26.3%
ROE23.8%
Rev Growth12.2%
Beta1.26
Dividend7.25%
Rating analysts19

Quality Signals

Piotroski F8/9

Options Flow

P/C2.84bearish
IV68%elevated
Max Pain$48-19.1% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMGeographicgeographic customer concentration
    10-K Item 1A: 'We also are exposed to geographic customer concentration risk'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 ceiling hit

GatesMomentum 4.3<4.5A.R:R 0.1 < 1.5@spotEARNINGS PROXIMITY 0d<=7dInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARMomentum ContSuitability: Moderate
RSI
65 · Neutral
↑ 20D MA↑ 50D MA↑ 200D MADEATH CROSSSupport $52.47Resistance $60.45

Price Targets

$50
$53
$59
A.Upside+0.7%
A.R:R0.1:1
Setup A.R:R (at entry)2.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (0.6% upside)
! Earnings in 0 days - binary event risk
! Momentum score 4.3/10 — below 4.5 minimum

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-05-01 (0d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is OMF stock a buy right now?

Wait for pullback to $53.13. At $58.72 the A.R:R is 0.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $53.13 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Leverage penalty (D/E 6.7): -1.5. Chart setup: Trend continuation, RSI 65, MACD bullish. Earnings in 0 days. Wait until post-earnings. Target $59.16 (+0.7%), stop $50.27 (−16.8%), Setup A.R:R 2.6:1. Score 6.5/10, moderate confidence.

What is the OMF stock price target?

Take-profit target: $59.16 (+11.2% upside). Target $59.16 (+0.7%), stop $50.27 (−16.8%), Setup A.R:R 2.6:1. Stop-loss: $50.27.

What are the risks of investing in OMF?

Analyst target reached - limited upside remaining; Leverage penalty (D/E 6.7): -1.5.

Is OMF overvalued or undervalued?

OneMain Holdings, Inc. trades at a P/E of 8.8 (forward 6.6). TrendMatrix value score: 8.6/10. Verdict: Buy (Wait for Entry).

What do analysts say about OMF?

19 analysts cover OMF with a consensus score of 3.8/5. Average price target: $68.

What does OneMain Holdings, Inc. do?OneMain is a nonprime consumer finance company with 1,300+ branch locations in 48 states offering personal loans, auto...

OneMain is a nonprime consumer finance company with 1,300+ branch locations in 48 states offering personal loans, auto finance, and BrightWay credit cards. At December 31, 2025, it had $24.8 billion in finance receivables from approximately 3.6 million customer accounts. It targets the approximately $1.3 trillion U.S. nonprime consumer credit market.

Related stocks: JCAP (Jefferson Capital, Inc.) · SLM (SLM Corporation) · SLMBP (SLM Corporation - Floating Rate) · ECPG (Encore Capital Group Inc) · SEZL (Sezzle Inc.)