OneMain Holdings, Inc. logo OMF - OneMain Holdings, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 22
HOLD 8
SELL 1
STRONG
SELL 0
| PRICE TARGET: $68.29 DETAILS
HIGH: $76.00
LOW: $55.00
MEDIAN: $70.00
CONSENSUS: $68.29
UPSIDE: 27.69%
Annual Quarterly
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 2009
Current Assets
Cash & Cash Equivalents 914 458 1,014 498 541 2,272 1,227 679 987 579 1,245.4
Short-Term Investments 421 1,539 1,647 1,729 1,907 1,847 1,798 0 1,697 0 0
Net Receivables 0 20,096 0 0 0 299 289 253 149 43 2,033.8
Inventory 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 699 (19,412) 534 0 0 0 0 (374) (258) (140) (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 3,279.1
Non-Current Assets
Property, Plant & Equipment 0 0 0 0 0 0 0 133 144 167 81.9
Goodwill 1,474 1,474 1,437 1,437 1,437 1,422 1,422 1,422 1,422 1,422 0
Intangible Assets 282 286 260 261 274 306 343 388 440 492 0
Long-Term Investments 23,137 20,917 18,941 17,746 17,202 15,890 17,646 1,694 1,697 1,764 0
Other Non-Current Assets 461 552 461 866 718 435 92 13,949 13,006 11,872 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 81.9
Total Assets 27,388 25,910 24,294 22,537 22,079 22,471 22,817 20,090 19,433 18,123 21,710.0
Current Liabilities
Account Payables 0 0 0 0 0 0 0 123 58 61 0
Short-Term Debt 0 0 0 0 0 0 0 0 0 0 2,450
Deferred Revenue 0 0 0 0 0 0 0 0 (14,350) 0 0
Other Current Liabilities 0 0 0 0 0 0 0 501 14,173 53 0
Total Current Liabilities 0 0 0 0 0 0 0 624 0 356 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 17,749.3
Deferred Tax Liabilities 35 20 9 5 1 45 34 0 0 0 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
Total Non-Current Liabilities 23,987 22,719 21,108 19,522 18,986 19,030 18,487 16,291 16,155 15,057 17,754.1
Total Liabilities 23,987 22,719 21,108 19,522 18,986 19,030 18,487 16,291 16,155 15,057 20,553.1
Stockholders' Equity
Common Stock 1 1 1 1 1 1 1 1 1 1 0
Retained Earnings 2,579 2,296 2,285 2,119 1,727 1,691 2,596 2,151 1,706 1,523 0
Accumulated Other Comprehensive Income (41) (81) (87) (127) 61 94 44 (34) 11 (6) 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 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 21,710.0
Debt Metrics
Total Debt 22,694 21,438 19,813 18,281 17,750 17,800 17,212 15,178 15,050 13,959 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 18,954.0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Operating Activities
Net Income 783 509 641 878 1,314 730 855 447 183 243
Depreciation & Amortization 287 277 257 262 264 264 271 289 328 521
Stock-Based Compensation 36 30 36 31 23 17 13 131 17 22
Change in Working Capital (13) (125) (44) (90) (48) (118) 67 86 17 (115)
Other Non-Cash Items 1,995 2,050 1,665 1,368 616 1,361 1,155 1,070 980 752
Operating Cash Flow 3,130 2,699 2,519 2,387 2,247 2,212 2,362 2,046 1,555 1,326
Investing Activities
Capital Expenditure 0 0 0 0 0 0 0 0 4 8
Acquisitions 0 (64) 0 0 0 0 0 0 (4) 26
Purchases of Investments (321) (284) (184) (536) (1,225) (994) (736) (691) (671) (763)
Sales/Maturities of Investments 0 0 329 477 1,105 1,020 605 599 757 1,001
Other Investing Activities (2,840) (2,918) (3,007) (2,060) (2,023) (777) (3,298) (2,305) (2,278) (274)
Investing Cash Flow (3,161) (3,266) (2,862) (2,119) (2,143) (751) (3,429) (2,397) (2,192) (2)
Financing Activities
Net Debt Issuance 1,148 701 1,491 469 (162) 487 1,934 54 980 (1,660)
Stock Repurchased (154) (35) (65) (303) (368) (45) 0 (10) (5) (7)
Dividends Paid (499) (498) (487) (480) (1,274) (806) (408) 0 0 (18)
Other Financing Activities 25 (11) (7) (12) (6) (6) 0 (10) (5) 0
Financing Cash Flow 520 161 932 (326) (1,810) (370) 1,521 44 975 (1,685)
Cash Position
Net Change in Cash 489 (406) 589 (58) (1,706) 1,091 454 (307) 338 (360)
Cash at Beginning 1,108 1,548 959 1,017 2,723 1,632 1,178 1,485 1,147 939
Cash at End 1,597 1,142 1,548 959 1,017 2,723 1,632 1,178 1,485 579
Free Cash Flow 3,130 2,699 2,519 2,387 2,247 2,212 2,362 2,046 1,559 1,334
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 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 21,710.0
Total Debt 22,694 21,438 19,813 18,281 17,750 17,800 17,212 15,178 15,050 13,959 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 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
Capital Expenditure 0 0 0 0 0 0 0 0 4 8
Free Cash Flow 3,130 2,699 2,519 2,387 2,247 2,212 2,362 2,046 1,559 1,334