OMF - OneMain Holdings, Inc.
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$69.17
DETAILS
HIGH:
$76.00
LOW:
$60.00
MEDIAN:
$70.00
CONSENSUS:
$69.17
UPSIDE:
15.36%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||
| Revenue | 6,242 | 5,722 | 5,299 | 5,091 | 4,973 | 4,933 | 4,682 | 4,241 | 3,785 | 3,729 | 2,193 | 2,826 | 2,343 | 1,877.1 | 2,029.1 | 1,993.3 | 2,228.0 | 2,685.1 |
| Cost of Revenue | 3,269 | 3,225 | 2,740 | 2,294 | 1,530 | 2,346 | 2,099 | 1,923 | 1,771 | 1,788 | 1,431 | 1,157 | 1,447 | 1,416.8 | 1,614.4 | 1,595.5 | 2,435.4 | 2,356.7 |
| Gross Profit | 2,973 | 2,497 | 2,559 | 2,797 | 3,443 | 2,587 | 2,583 | 2,318 | 2,014 | 1,941 | 762 | 1,669 | 896 | 460.3 | 414.6 | 397.8 | (207.4) | 328.4 |
| Operating Expenses | ||||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 1,121 | 1,068 | 1,044 | 994 | 1,015 | 998 | 993 | 1,109 | 961 | 955 | 581 | 435 | 529 | 380.8 | 415.0 | 386.5 | 420.8 | 479.0 |
| Other Expenses | 851 | 762 | 675 | 648 | 687 | 612 | 492 | 585 | 622 | 630 | 407 | 373 | 289 | 384.9 | 359.8 | (343.3) | 386.7 | 634.9 |
| Operating Expenses | 1,972 | 1,830 | 1,719 | 1,642 | 1,702 | 1,610 | 1,485 | 1,694 | 1,583 | 1,585 | 988 | 808 | 818 | 765.7 | 774.8 | 43.2 | 807.5 | 1,113.9 |
| Operating Income | ||||||||||||||||||
| Operating Income | 1,001 | 667 | 840 | 1,155 | 1,741 | 977 | 1,098 | 624 | 431 | 356 | (226) | 861 | 78 | (305.4) | (360.1) | 354.6 | (1,014.9) | (785.5) |
| Interest Expense | 1,272 | 1,185 | 1,019 | 892 | 937 | 1,027 | 970 | 875 | 816 | 856 | 715 | 734 | 920 | 1,075.2 | 1,284.8 | 1,113.6 | 1,164.3 | 1,276.2 |
| Interest Income | 5,455 | 4,993 | 4,564 | 4,435 | 4,364 | 4,368 | 4,127 | 3,658 | 3,196 | 3,110 | 1,930 | 1,973 | 2,154 | 1,714.8 | 1,871.2 | 1,855.6 | 2,193.0 | 2,652.3 |
| Profitability | ||||||||||||||||||
| EBITDA | 1,288 | 944 | 1,097 | 1,417 | 2,005 | 1,241 | 1,369 | 913 | 759 | 877 | (28) | 884 | 23 | (140.1) | (85.3) | 512.3 | (878.0) | (643.0) |
| EBIT | 1,001 | 667 | 840 | 1,155 | 1,741 | 977 | 1,098 | 624 | 431 | 356 | (226) | 861 | 78 | (305.4) | (360.1) | 354.6 | (1,014.9) | (785.5) |
| Income Before Tax | 1,001 | 667 | 840 | 1,155 | 1,741 | 977 | 1,098 | 624 | 431 | 356 | (226) | 861 | 78 | (305.4) | (360.1) | 354.6 | (1,014.9) | (785.5) |
| Income Tax Expense | 218 | 158 | 199 | 283 | 427 | 247 | 243 | 177 | 248 | 113 | (133) | 272 | (16) | (87.7) | (118.4) | (285.1) | (482.6) | 400.3 |
| Net Income | 783 | 509 | 641 | 872 | 1,314 | 730 | 855 | 447 | 183 | 215 | (220) | 463 | (19) | (217.7) | (241.7) | 639.8 | (532.3) | (1,185.7) |
| Per Share Data | ||||||||||||||||||
| EPS (Basic) | 6.59 | 4.25 | 5.35 | 7.02 | 9.91 | 5.42 | 6.28 | 3.29 | 1.35 | 1.60 | -1.72 | 4.40 | -0.18 | -1.95 | -2.17 | 5.73 | -4.77 | -10.62 |
| EPS (Diluted) | 6.56 | 4.24 | 5.31 | 7.01 | 9.88 | 5.41 | 6.27 | 3.29 | 1.35 | 1.59 | -1.72 | 4.38 | -0.19 | -1.95 | -2.17 | 5.73 | -4.77 | -10.62 |
| Shares Outstanding | 118.8 | 119.7 | 120.4 | 124.2 | 132.7 | 134.7 | 136.1 | 135.7 | 135.2 | 134.7 | 127.9 | 114.8 | 102.9 | 111.6 | 111.6 | 111.6 | 111.6 | 111.6 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||||||||||
| Cash & Cash Equivalents | 914 | 458 | 1,014 | 498 | 541 | 2,272 | 1,227 | 679 | 987 | 579 | 939 | 878.8 | 431.4 | 1,554.3 | 689.6 | 1,290.5 | 1,245.4 |
| Short-Term Investments | 421 | 1,539 | 1,647 | 1,729 | 1,907 | 1,847 | 1,798 | 0 | 1,697 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 20,096 | 0 | 0 | 0 | 299 | 289 | 253 | 149 | 43 | 34 | 190 | 29.7 | 59.5 | 89.8 | 742.2 | 2,033.8 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36.9 | 35.4 | 0 | 0 |
| Other Current Assets | 699 | (19,412) | 534 | 0 | 0 | 0 | 0 | (374) | (258) | (140) | (93) | (216) | (111.5) | (69.4) | (94.4) | (753.7) | (2,098.4) |
| Total Current Assets | 2,034 | 2,681 | 3,195 | 2,227 | 2,448 | 4,418 | 3,314 | 2,373 | 2,684 | 2,343 | 2,806 | 3,813.6 | 431.4 | 13,560.6 | 14,176.8 | 2,032.6 | 3,279.1 |
| Non-Current Assets | |||||||||||||||||
| Property, Plant & Equipment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 133 | 144 | 167 | 179 | 91.1 | 76.7 | 69.7 | 85.9 | 70.6 | 81.9 |
| Goodwill | 1,474 | 1,474 | 1,437 | 1,437 | 1,437 | 1,422 | 1,422 | 1,422 | 1,422 | 1,422 | 1,440 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 282 | 286 | 260 | 261 | 274 | 306 | 343 | 388 | 440 | 492 | 559 | 21.3 | 25.4 | 29.2 | 42.7 | 23.9 | 0 |
| Long-Term Investments | 23,137 | 20,917 | 18,941 | 17,746 | 17,202 | 15,890 | 17,646 | 1,694 | 1,697 | 1,764 | 1,867 | 2,934.7 | 691.6 | 1,014.0 | 1,189.5 | 0 | 0 |
| Other Non-Current Assets | 461 | 552 | 461 | 866 | 718 | 435 | 92 | 13,949 | 13,006 | 11,872 | 14,102 | 4,093.6 | (691.6) | (98.9) | 0 | 0 | 0 |
| Total Non-Current Assets | 25,354 | 23,229 | 21,099 | 20,310 | 19,631 | 18,053 | 19,503 | 17,717 | 16,749 | 15,780 | 18,250 | 7,244.3 | 102.1 | 1,112.9 | 1,318.1 | 94.5 | 81.9 |
| Total Assets | 27,388 | 25,910 | 24,294 | 22,537 | 22,079 | 22,471 | 22,817 | 20,090 | 19,433 | 18,123 | 21,190 | 11,057.9 | 15,402.7 | 14,673.5 | 15,494.9 | 17,086.0 | 21,710.0 |
| Current Liabilities | |||||||||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 123 | 58 | 61 | 67 | 57 | 78.0 | 71.1 | 116.6 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.9 | 7.9 | 7.0 | 21.3 | 0 | 2,450 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (14,350) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 501 | 14,173 | 53 | 767 | 338.1 | (21.7) | 5.7 | (42.1) | 0 | 0 |
| Total Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 624 | 0 | 356 | 1,081 | 431 | 77.6 | 94.0 | 137.8 | 0 | 2,450 |
| Non-Current Liabilities | |||||||||||||||||
| Long-Term Debt | 22,694 | 21,438 | 19,813 | 18,281 | 17,750 | 17,800 | 17,212 | 15,178 | 15,050 | 13,959 | 17,300 | 8,384.9 | 12,769.0 | 8,831.3 | 9,302.1 | 15,174.0 | 17,749.3 |
| Deferred Tax Liabilities | 35 | 20 | 9 | 5 | 1 | 45 | 34 | 0 | 0 | 0 | 0 | 0 | 145.5 | 283.8 | 405.0 | 512.1 | 4.8 |
| Other Non-Current Liabilities | 1,258 | 1,281 | 1,286 | 1,236 | 1,235 | 1,185 | 1,241 | 1,113 | 1,105 | 1,098 | 0 | 0 | 669.5 | (12,620.9) | 0 | 0 | 0 |
| Total Non-Current Liabilities | 23,987 | 22,719 | 21,108 | 19,522 | 18,986 | 19,030 | 18,487 | 16,291 | 16,155 | 15,057 | 17,300 | 8,356 | 13,516.1 | 9,115.1 | 9,707.1 | 15,686.1 | 17,754.1 |
| Total Liabilities | 23,987 | 22,719 | 21,108 | 19,522 | 18,986 | 19,030 | 18,487 | 16,291 | 16,155 | 15,057 | 18,460 | 9,220.9 | 13,516.1 | 13,473.4 | 14,132.0 | 16,329.8 | 20,553.1 |
| Stockholders' Equity | |||||||||||||||||
| Common Stock | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1.1 | 1.1 | 1 | 1 | 0 | 0 |
| Retained Earnings | 2,579 | 2,296 | 2,285 | 2,119 | 1,727 | 1,691 | 2,596 | 2,151 | 1,706 | 1,523 | 1,308 | 1,491.3 | 986.7 | 1,006.0 | 1,240.1 | 0 | 0 |
| Accumulated Other Comprehensive Income | (41) | (81) | (87) | (127) | 61 | 94 | 44 | (34) | 11 | (6) | (33) | 3.2 | 28.1 | 26.5 | (25.7) | 1.5 | 1.5 |
| Total Stockholders' Equity | 3,401 | 3,191 | 3,186 | 3,015 | 3,093 | 3,441 | 4,330 | 3,799 | 3,278 | 3,066 | 2,809 | 2,025.3 | 1,540.0 | 1,180.9 | 1,362.9 | 756.2 | 1,156.9 |
| Total Liabilities & Equity | 27,388 | 25,910 | 24,294 | 22,537 | 22,079 | 22,471 | 22,817 | 20,090 | 19,433 | 18,123 | 21,190 | 11,057.9 | 15,402.7 | 14,673.5 | 15,494.9 | 17,086.0 | 21,710.0 |
| Debt Metrics | |||||||||||||||||
| Total Debt | 22,694 | 21,438 | 19,813 | 18,281 | 17,750 | 17,800 | 17,212 | 15,178 | 15,050 | 13,959 | 17,300 | 8,384.9 | 12,777.0 | 8,838.3 | 9,323.4 | 15,174.0 | 20,199.3 |
| Net Debt | 21,780 | 20,980 | 18,799 | 17,783 | 17,209 | 15,528 | 15,985 | 14,499 | 14,063 | 13,380 | 16,361 | 7,506.1 | 12,345.6 | 7,283.9 | 8,633.8 | 13,883.6 | 18,954.0 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||
| Net Income | 783 | 509 | 641 | 878 | 1,314 | 730 | 855 | 447 | 183 | 243 | (93) | 607.5 | 93.7 | (217.7) | (224.2) | 639.8 | (532.3) | (1,185.7) |
| Depreciation & Amortization | 287 | 277 | 257 | 262 | 264 | 264 | 271 | 289 | 328 | 521 | 198 | 34.7 | (55.1) | 166.9 | 274.8 | 157.7 | 136.9 | 142.5 |
| Stock-Based Compensation | 36 | 30 | 36 | 31 | 23 | 17 | 13 | 131 | 17 | 22 | 30 | 5.7 | 146.0 | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | (13) | (125) | (44) | (90) | (48) | (118) | 67 | 86 | 17 | (115) | 92 | (106.6) | 27.5 | 44.8 | (76.6) | (328.2) | (338.8) | (147.2) |
| Other Non-Cash Items | 1,995 | 2,050 | 1,665 | 1,368 | 616 | 1,361 | 1,155 | 1,070 | 980 | 752 | 723 | (161.1) | 582.0 | 392.1 | 329.7 | (194.3) | 1,401.2 | 1,557.4 |
| Operating Cash Flow | 3,130 | 2,699 | 2,519 | 2,387 | 2,247 | 2,212 | 2,362 | 2,046 | 1,555 | 1,326 | 741 | 400.3 | 675.3 | 228.1 | 171.3 | 269.5 | 666.2 | 767.5 |
| Investing Activities | ||||||||||||||||||
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 8 | 14 | 58.8 | 108.7 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | (64) | 0 | 0 | 0 | 0 | 0 | 0 | (4) | 26 | (3,902) | (58.8) | (108.7) | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (321) | (284) | (184) | (536) | (1,225) | (994) | (736) | (691) | (671) | (763) | (2,007) | (3,329.4) | (3,528.4) | (1,053.1) | (559.9) | (1,418.1) | (2,035.4) | 0 |
| Sales/Maturities of Investments | 0 | 392 | 329 | 477 | 1,105 | 1,020 | 605 | 599 | 757 | 1,001 | 4,322 | 978.5 | 855.0 | 1,216.9 | 730.8 | 3,240.2 | 6,702.2 | 0 |
| Other Investing Activities | (2,840) | (3,310) | (3,007) | (2,060) | (2,023) | (777) | (3,298) | (2,305) | (2,278) | (274) | (599) | 4,171.4 | 550.3 | 1,260.9 | 1,343.6 | 1,494.2 | (1,348.7) | (757.5) |
| Investing Cash Flow | (3,161) | (3,266) | (2,862) | (2,119) | (2,143) | (751) | (3,429) | (2,397) | (2,192) | (2) | (2,186) | 1,820.4 | (2,123.1) | 1,424.8 | 1,514.5 | 3,316.4 | 3,318.1 | (757.5) |
| Financing Activities | ||||||||||||||||||
| Net Debt Issuance | 1,148 | 701 | 1,491 | 469 | (162) | 487 | 1,934 | 54 | 980 | (1,660) | 1,067 | (1,134) | (138.7) | (791.1) | (2,394.9) | (3,547.6) | (3,996.2) | (2,028.4) |
| Stock Repurchased | (154) | (35) | (65) | (303) | (368) | (45) | 0 | (10) | (5) | (7) | 0 | (1) | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | (499) | (498) | (487) | (480) | (1,274) | (806) | (408) | 0 | 0 | (18) | (77) | (637.7) | (204) | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 25 | (11) | (7) | (12) | (6) | (6) | 0 | (10) | (5) | 0 | (2) | 0.5 | 437.6 | 3.0 | 0 | 0 | 0 | 0 |
| Financing Cash Flow | 520 | 161 | 932 | (326) | (1,810) | (370) | 1,521 | 44 | 975 | (1,685) | 1,964 | (1,772.2) | 325.6 | (788.0) | (2,394.9) | (3,540.8) | (3,466.6) | (1,337.9) |
| Cash Position | ||||||||||||||||||
| Net Change in Cash | 489 | (406) | 589 | (58) | (1,706) | 1,091 | 454 | (307) | 338 | (360) | 518 | 447.4 | (1,122.9) | 864.8 | (708.0) | 45.1 | 517.7 | (1,327.9) |
| Cash at Beginning | 1,108 | 1,548 | 959 | 1,017 | 2,723 | 1,632 | 1,178 | 1,485 | 1,147 | 939 | 879 | 431.4 | 1,554.3 | 689.6 | 1,397.6 | 1,245.4 | 727.6 | 2,055.5 |
| Cash at End | 1,597 | 1,142 | 1,548 | 959 | 1,017 | 2,723 | 1,632 | 1,178 | 1,485 | 579 | 1,615 | 878.8 | 431.4 | 1,554.3 | 689.6 | 1,290.5 | 1,245.4 | 727.6 |
| Free Cash Flow | 3,130 | 2,699 | 2,519 | 2,387 | 2,247 | 2,212 | 2,362 | 2,046 | 1,559 | 1,334 | 744 | 459.1 | 784.0 | 215.9 | 171.3 | 269.5 | 666.2 | 767.5 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | 6,242 | 5,722 | 5,299 | 5,091 | 4,973 | 4,933 | 4,682 | 4,241 | 3,785 | 3,729 | 2,193 | 2,826 | 2,343 | 1,877.1 | 2,029.1 | 1,993.3 | 2,228.0 | 2,685.1 |
| Gross Profit | 2,973 | 2,497 | 2,559 | 2,797 | 3,443 | 2,587 | 2,583 | 2,318 | 2,014 | 1,941 | 762 | 1,669 | 896 | 460.3 | 414.6 | 397.8 | (207.4) | 328.4 |
| Operating Income | 1,001 | 667 | 840 | 1,155 | 1,741 | 977 | 1,098 | 624 | 431 | 356 | (226) | 861 | 78 | (305.4) | (360.1) | 354.6 | (1,014.9) | (785.5) |
| Net Income | 783 | 509 | 641 | 872 | 1,314 | 730 | 855 | 447 | 183 | 215 | (220) | 463 | (19) | (217.7) | (241.7) | 639.8 | (532.3) | (1,185.7) |
| EPS (Diluted) | 6.56 | 4.24 | 5.31 | 7.01 | 9.88 | 5.41 | 6.27 | 3.29 | 1.35 | 1.59 | -1.72 | 4.38 | -0.19 | -1.95 | -2.17 | 5.73 | -4.77 | -10.62 |
| Balance Sheet | ||||||||||||||||||
| Cash & Equivalents | 914 | 458 | 1,014 | 498 | 541 | 2,272 | 1,227 | 679 | 987 | 579 | 939 | 878.8 | 431.4 | 1,554.3 | 689.6 | 1,290.5 | 1,245.4 | |
| Total Assets | 27,388 | 25,910 | 24,294 | 22,537 | 22,079 | 22,471 | 22,817 | 20,090 | 19,433 | 18,123 | 21,190 | 11,057.9 | 15,402.7 | 14,673.5 | 15,494.9 | 17,086.0 | 21,710.0 | |
| Total Debt | 22,694 | 21,438 | 19,813 | 18,281 | 17,750 | 17,800 | 17,212 | 15,178 | 15,050 | 13,959 | 17,300 | 8,384.9 | 12,777.0 | 8,838.3 | 9,323.4 | 15,174.0 | 20,199.3 | |
| Stockholders' Equity | 3,401 | 3,191 | 3,186 | 3,015 | 3,093 | 3,441 | 4,330 | 3,799 | 3,278 | 3,066 | 2,809 | 2,025.3 | 1,540.0 | 1,180.9 | 1,362.9 | 756.2 | 1,156.9 | |
| Cash Flow | ||||||||||||||||||
| Operating Cash Flow | 3,130 | 2,699 | 2,519 | 2,387 | 2,247 | 2,212 | 2,362 | 2,046 | 1,555 | 1,326 | 741 | 400.3 | 675.3 | 228.1 | 171.3 | 269.5 | 666.2 | 767.5 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 8 | 14 | 58.8 | 108.7 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 3,130 | 2,699 | 2,519 | 2,387 | 2,247 | 2,212 | 2,362 | 2,046 | 1,559 | 1,334 | 744 | 459.1 | 784.0 | 215.9 | 171.3 | 269.5 | 666.2 | 767.5 |