OneMain Holdings Inc (OMF)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$56.83-1.97%
Close 2026-11-05 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · OMF
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks OMF against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
“We delivered another strong quarter, building on the positive momentum across our business and demonstrating our ability to drive growth while maintaining rigorous credit discipline,” said Doug Shul…
Stated in 3 of 3 supplied quarters. Management reported: ““We delivered another strong quarter, building on the positive momentum across our business and demonstrating our ability to drive growth while maintaining rigorous credit discipline,” said Doug Shulman, Chairman and CEO of OneMain.” “1 C&I Select Delinquency and Loss Ratios March 31, 2026 December 31, 2025 March 31, 2025 Consumer loans: 30+ days delinquency ratio 5.37 % 5.85 % 5.16 % 90+ days delinquency ratio 2.53 % 2.49 % 2.38 % 30-89 days delinquency ratio 2.84 % 3.36 % 2.77 % Net charge-offs 8.02 % 7.56 % 7.83 % Operating expense for the first quarter of 2026 was $437 million, up 9% from $401 million in the prior year quarter reflecting receivable growth and strategic investments in the business.”
““We delivered another strong quarter, building on the positive momentum across our business and demonstrating our ability to drive growth while maintaining rigorous credit discipline,” said Doug Shul…”
““Growth across all of our products, improving credit performance and our industry leading balance sheet position OneMain to deliver profitable growth and attractive returns going forward.””
““We delivered a very good start to 2026, executing on our growth initiatives while maintaining our disciplined credit approach and balance sheet management,” said Doug Shulman, Chairman and CEO of On…”
1 C&I Select Delinquency and Loss Ratios March 31, 2026 December 31, 2025 March 31, 2025 Consumer loans: 30+ days delinquency ratio 5.37 % 5.85 % 5.16 % 90+ days delinquency ratio 2.53 % 2.49 % 2.38…
Stated in 1 of 3 supplied quarters. Management reported: “1 C&I Select Delinquency and Loss Ratios March 31, 2026 December 31, 2025 March 31, 2025 Consumer loans: 30+ days delinquency ratio 5.37 % 5.85 % 5.16 % 90+ days delinquency ratio 2.53 % 2.49 % 2.38 % 30-89 days delinquency ratio 2.84 % 3.36 % 2.77 % Net charge-offs 8.02 % 7.56 % 7.83 % Operating expense for the first quarter of 2026 was $437 million, up 9% from $401 million in the prior year quarter reflecting receivable growth and strategic investments in the business.”
“We are confident in our ability to deliver attractive returns for shareholders well into the future.”
Stated in 3 of 3 supplied quarters. Management reported: ““We are confident in our ability to deliver attractive returns for shareholders well into the future.””
““We are confident in our ability to deliver attractive returns for shareholders well into the future.””
Continue disciplined underwriting and monitor delinquencies, losses, and credit performance as receivables grow.
Continue to grow managed receivables and consumer loan originations while maintaining credit performance and profitability.
Over the trailing year it converted 3.48x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
14 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.
“1 C&I Select Delinquency and Loss Ratios March 31, 2026 December 31, 2025 March 31, 2025 Consumer loans: 30+ days delinquency ratio 5.37 % 5.85 % 5.16 % 90+ days delinquency ratio 2.53 % 2.49 % 2.38…”
““Growth across all of our products, improving credit performance and our industry leading balance sheet position OneMain to deliver profitable growth and attractive returns going forward.””
““As we execute across our core loan business and newer products, we are driving revenue growth with good credit performance, reinforcing our ability to generate sustainable, attractive returns for sh…”