Summary
OMF Chart
OneMain Holdings: Well Positioned Given Tightened Credit Standards (Downgrade)
OneMain Holdings is downgraded to a "Buy" rating as tighter credit standards and a resilient labor market support stable performance and a secure 6.7% dividend yield. OMF's risk mitigation includes a 30% stress overlay and a shrinking back book, driving improved delinquency and charge-off trends despite a high-yield, unsecured loan portfolio. Loan growth remains robust, with Q2 originations at $4.3 billion and receivables up 7% year-over-year, while prudent reserve building and stable leverage underpin balance sheet strength.
OneMain Holdings Q2 Earnings in Line, Stock Gains as NII Rises Y/Y
OMF meets Q2 earnings estimates as higher net interest income and other revenues lift the results, even as rising credit costs weigh on profit.
OneMain Q2 Earnings Call Highlights
OneMain NYSE: OMF reported second-quarter 2026 results marked by receivables and originations growth, improving early-stage delinquency trends and continued investment in its auto finance, credit card and technology initiatives.
OneMain Holdings Inc. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| TJD Thomas John Drogan PR Inc.IPAL SECURITIES Inc. | 5,897 | $359,545 | $369,034.26 | $9,489.26 | 2.64% |
 Curtis Ellergodt Rothschild Investment LLC | 5,120 | $280,818.86 | $332,134.4 | $51,315.54 | 18.27% |
| BZ Brandon Zatopek Commonwealth Equity Services LLC | 9,784 | $596,560 | $635,470.8 | $38,910.8 | 6.52% |
| ABB Alexander Bjornager Bonde Danske Bank A/S | 200 | $13,510 | $12,984 | -$526 | -3.89% |
| JD Jim Dushek HARBOUR INVESTMENTS Inc. | 2,050 | $88,531.06 | $132,532.5 | $44,001.44 | 49.7% |
OneMain Holdings Inc. Analysts
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| AC Arren Cyganovich Truist Securities | 725.97 | $44,820.72 | $45,830.42 | $1,009.7 | 2.25% |
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OneMain Holdings Inc. Profile
| Financial Services Industry | Financials Sector | Douglas H. Shulman CEO | NYSE Exchange | 68268W103 CUSIP |
| US Country | 9,300 Employees | 10 Aug 2026 Last Dividend | - Last Split | 16 Oct 2013 IPO Date |
Overview
OneMain Holdings, Inc. is a distinguished financial service holding company operating within the United States. Initially founded in 1912, the company marks its origins in the consumer finance and insurance sector. Initially known as Springleaf Holdings, Inc., it underwent a rebranding to OneMain Holdings, Inc. in November 2015. Located in Evansville, Indiana, the company primarily focuses on providing personal loans, credit products, and insurance services to its customers. Through its tenure, OneMain Holdings has been pivotal in offering financial solutions tailored to meet the needs of its consumers, building a robust foundation in the consumer finance industry.
Products and Services
OneMain Holdings, Inc.'s offerings are broad and cater to various financial needs of its customers, including loans, credit cards, and insurance products. The company's product portfolio is designed with the objective of supporting consumers to manage their financial situations efficiently. Here is an overview of their main products and services:
- Personal Loans: The company originates, underwrites, and services personal loans that can be secured by automobiles, other titled collateral, or can be unsecured, catering to the diverse needs of its customers.
- Credit Cards: OneMain Holdings also provides credit card services, enabling consumers to have access to immediate credit for purchases, emergencies, or personal use.
- Credit Insurance Products: These are optional products including life, disability, and involuntary unemployment insurance. They are designed to provide financial buffer in case of unforeseen circumstances affecting the borrower's ability to repay the loan.
- Non-Credit Insurance: Apart from credit insurance, the company offers other non-credit related insurance products to further secure the financial interests of its customers.
- Guaranteed Asset Protection (GAP): Offered as either a waiver product or insurance, GAP coverage is designed to protect consumers from financial losses associated with the depreciation of secured collateral, primarily vehicles.
- Membership Plans: OneMain Holdings extends membership plans that offer various benefits and services to its members, further enriching the customer relationship.
OneMain Holdings sells its wide array of products predominantly through its website, leveraging digital platforms to enhance accessibility and convenience for its customers.
