OneMain Holdings, Inc.
OneMain Holdings, Inc. (OMF) is a US consumer finance company that provides unsecured and secured personal loans to primarily near-prime and subprime borrowers through a combination of physical branches and digital channels. With a market capitalisation of about $6.72 billion, OneMain earns revenue mainly from interest and fees on loans; its business is driven by loan originations, credit underwriting and portfolio performance. Investors should note the firm’s sensitivity to economic cycles and credit conditions: default rates and loss provisioning can rise when unemployment or borrower stress increases. Higher interest rates can boost lending yields but also squeeze borrowers and demand. Regulatory oversight and competition from banks and fintech lenders are additional considerations. This summary is educational only and not personalised advice — values can rise or fall and past performance is not a guarantee of future returns. Suitability depends on an investor’s risk tolerance, time horizon and circumstances; consult a financial adviser for tailored guidance.
Stock Performance Snapshot
Analyst Rating
Analysts recommend buying OneMain Holdings' stock with a target price of $60.31, indicating potential growth.
Financial Health
OneMain Holdings is showing strong profits, cash flow, and overall revenue performance.
Dividend
OneMain Holdings offers an attractive dividend yield of 8.51%, making it appealing for income-focused investors. If you invested $1000 you would be paid $85.10 a year in dividends (based on the last 12 months).
View more stocks by downloading the app for FREE
It only takes 60 seconds.
Baskets Featuring OMF
Fed Pivot Stocks: Rate Cut Risks & Opportunities
A weaker-than-expected jobs report has increased the likelihood of a Federal Reserve interest rate cut. This theme focuses on companies poised to benefit from lower borrowing costs, which can stimulate lending and consumer spending.
Published: September 8, 2025
Explore BasketUnlocking Value: The Finance Arm Spinoff
Harley-Davidson is negotiating the sale of a stake in its financing arm, a strategic move to raise significant capital. This theme focuses on other manufacturers with large, valuable financing units that could be prime candidates for similar spin-offs or sales to unlock value.
Published: July 29, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Loan Origination Trends
Originations drive growth and revenue; watch underwriting standards and demand patterns, though credit cycles can alter outcomes.
Branch and Digital Mix
A blend of physical branches and online channels helps reach diverse borrowers, but competition and operational costs are ongoing considerations.
Credit Cycle Sensitivity
Performance is closely tied to employment and borrower health — rising defaults can materially impact earnings and capital.
Compare OneMain Financial with other stocks
OneMain Financial vs FirstCash
OneMain Financial vs FirstCash: a comparison
OneMain Financial vs Cadence Bank
OneMain Financial vs Cadence Bank
OneMain Financial vs Commerce Bancshares
OneMain Financial vs Commerce Bancshares: a comparison
Why invest with Nemo?
Zero Commission
Trade stocks, ETFs, and more with zero commission. Keep more of your returns.
Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
Discover More Opportunities
Ally Financial Inc.
Ally Financial Inc. is a financial services company that provides banking, lending, insurance, and investing products and services.
Ameris Bancorp
Ameris Bancorp is a bank holding company that provides a range of financial services to its customers through its subsidiary and affiliated banks.
Atlantic Union Bankshares Corporation
Atlantic Union Bankshares Corporation is the holding company for Atlantic Union Bank (the Bank), which provides banking and related financial products and services to consumers and businesses. The Bank has branches and ATMs located in Virginia, Maryland and North Carolina. It operates through two segments: Wholesale Banking and Consumer Banking. Its Wholesale Banking segment provides loan, leasing, and deposit services, as well as treasury management and capital market services to wholesale customers primarily throughout Virginia, Maryland, North Carolina, and South Carolina. These customers include commercial and industrial customers. This segment also includes its equipment finance subsidiary and its wealth management business. Its Consumer Banking segment provides loan and deposit services to consumers and small businesses throughout Virginia, Maryland, and North Carolina. Consumer Banking includes the home loan division and investment management, and advisory services businesses.
