OneMain Holdings Inc (OMF)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$64.63+0.08%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · OMF
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.2% |
| Our one-year growth estimate | diamond | 0.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 0.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 37 industry peers · Company calendar date is not available
OMF — debt issuance
Dated 2026-08-20
Entry into a Material Definitive Agreement . On August 20, 2026, OneMain Finance Corporation (“OMFC”), a direct subsidiary of OneMain Holdings, Inc. (“OMH,” “we,” “us” or “our”) issued $600.0 million aggregate principal amount of OMFC’s 7.125% Senior Notes due 2034 (the “Notes”) under an Indenture, dated as of December 3, 2014 (the “Base Indenture”), among OMFC, as issuer, OMH, as guarantor, and Wilmington Trust, National Association, as trustee (the “Trustee”), as amended and supplemented by…
Why it matters: Strong growth in managed receivables shows OneMain can attract and keep customers. This helps make more money.
Supportive ifManaged receivables grow more than 7% YoY from $26.1 billion in Q1 2026.
Worry ifManaged receivables grow less than 6% YoY. This shows weaker customer demand.
Why it matters: Consistent dividends show financial strength. They also show a commitment to shareholders. This can boost investor trust.
Supportive ifThe company declares a quarterly dividend of $1.05 per share for the next quarter.
Worry ifThe company cuts or stops the dividend. This signals possible financial trouble.
Why it matters: A drop in revenue growth signals potential challenges in the financial sector.
Worry ifRevenue growth falls below 10% year over year.
Less concerning ifRevenue growth stays above 15% year over year.
Why it matters: Higher delinquency ratios could mean more credit risk. This may affect future earnings.
Worry ifQ2 30+ days delinquency ratio was above 5.37%. This shows rising credit risk.
Less concerning ifQ2 30+ days delinquency ratio was below 5.37%. This shows better credit quality.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$103 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $311 loss on $10,000 · 3.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,970 loss on $10,000 · 29.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Net income growth shows OneMain can run better and get more customers.
Supportive ifQ2 net income reported above $226 million, continuing the upward trend.
Worry ifQ2 net income was below $226 million. This may mean there are operational issues.
Why it matters: Keeping or raising the dividend shows care for shareholders and good financial health.
Supportive ifDividend per share remains at $1.05 or increases in Q2.
Worry ifDividend per share drops below $1.05 in Q2.
Why it matters: Slower revenue growth may show weaker demand. It could hurt profits.
Worry ifTotal revenue growth falls below 5% in Q3 2026.
Less concerning ifTotal revenue growth stays above 6%, showing strong demand.
Why it matters: Slower growth could signal challenges in maintaining the loan portfolio.
Worry ifManaged receivables growth drops below 5% in Q3 2026.
Less concerning ifManaged receivables growth is above 7%. This shows strong portfolio growth.
Why it matters: If operating expenses rise too much, it could hurt profitability. This is important for maintaining cost control.
Worry ifOperating expenses increase more than 10% YoY from $415 million in Q2 2025.
Less concerning ifOperating expenses rise less than 5% YoY. This shows good cost management.
Why it matters: Improved cash flow is key for OneMain's financial health and growth plans.
Supportive ifCash from operations rises above $739 million in Q2.
Worry ifCash from operations drops below $739 million in Q2.
Why it matters: Higher net charge-offs mean worse credit quality. This can hurt profits.
Worry ifNet charge-offs exceed 8% in Q3 2026.
Less concerning ifNet charge-offs remain at or below 7.77%.
Why it matters: High operating costs can lower profit margins.
Worry ifOperating costs were over $450 million in Q3 2026.
Less concerning ifOperating costs stay under $439 million.