Summary
OMF Chart
OneMain Holdings: I Still Like This 7% Yield In My Portfolio
OMF delivered strong Q1'26 results, with net income of $226 million and diluted EPS of $1.93, beating consensus estimates while credit metrics remained stable. The stock trades at an attractive 9x PE and offers a compelling 7% dividend yield, backed by a consistent history of returning capital to shareholders. OneMain stands out as a defensive diversifier in a market dominated by big tech and AI, thanks to its resilience across credit cycles and high level of transparency in reporting.
OneMain Holdings: It's Still Trading Within My Margin Of Safety
OneMain Holdings remains resilient amid macro volatility, delivering 2.5% returns since the last coverage and justifying my reiterated buy rating. OMF's risk is mitigated by 55% of personal loans being secured, a $2.8B loan loss allowance, and fixed-rate lending, supporting credit quality. My updated Dividend Discount Model yields a target price of $88.79; with a 20% margin of safety, my buy zone is up to $71.04.
OneMain Holdings: Resilient To Credit Fears
OneMain Holdings is upgraded to a strong buy, offering 20%+ upside and an 8% dividend yield. OMF's conservative underwriting, robust reserves (242% of delinquencies), and resilient employment trends support manageable credit risk despite inflationary pressures. Loan growth guidance remains at 6-9%, with net charge-offs expected in the upper half of the 7.4-7.9% range.
OneMain Holdings Inc. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| CE Curtis Ellergodt Rothschild Investment LLC | 2,340 | $132,116.56 | $141,944.4 | $9,827.84 | 7.44% |
| ABB Alexander Bjornager Bonde Danske Bank A/S | 200 | $13,510 | $12,132 | -$1,378 | -10.2% |
| JD Jim Dushek HARBOUR INVESTMENTS Inc. | 2,033 | $87,543.7 | $123,128.64 | $35,584.94 | 40.65% |
 Leon G. Cooperman Omega Advisors | 2M | $106.05M | $121.62M | $15.57M | 14.68% |
 Charles Brandes Brandes Investment Partners | 116,751 | $5.98M | $7.08M | $1.1M | 18.45% |
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OneMain Holdings Inc. Profile
| Financial Services Industry | Financials Sector | Douglas H. Shulman CEO | NYSE Exchange | 68268W103 CUSIP |
| US Country | 9,000 Employees | 15 May 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.
