OneMain Holdings Inc (OMF)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$57.97+2.46%
Close 2026-11-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
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 sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -4.4% |
| Our one-year growth estimate | diamond | 0.0% |
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 2026-11-04.
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 4.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
OMF — earnings miss
Dated 2026-10-30
Results of Operations and Financial Condition. On October 30, 2026, OneMain Holdings, Inc. (the “Company”) issued a press release announcing the Company’s results for its fiscal quarter ended September 30, 2026. A copy of the Company’s press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference in its entirety. The information disclosed under this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be deemed to be…
Why it matters: Q3 net charge-offs were 6.89%, above 6.67% a year earlier. A further rise would test credit discipline as loans grow.
Worry ifQ4 consumer loan net charge-offs rise above 6.89%.
Less concerning ifQ4 net charge-offs fall below 6.89%.
Why it matters: OneMain declared a $1.05 dividend for Q3 and repurchased shares. A cut would mark a change in its recent capital returns.
Worry ifOneMain declares a next-quarter dividend of at least $1.05 per share.
Less concerning ifOneMain cuts the next-quarter dividend below $1.05 or skips it.
Why it matters: Managed receivables grew 9% year over year in Q3. Continued growth would support the loan-growth plan, but weak growth would challenge it.
Supportive ifQ4 managed receivables grow at least 8% year over year.
Worry ifQ4 managed receivables grow less than 5% year over year.
Why it matters: OneMain lends to nonprime consumers, and its filing names unemployment as a risk. Rising job losses could pressure borrowers and credit results.
Worry ifThe November 6 jobs report shows a higher unemployment rate than the prior report.
Less concerning ifThe November 6 report shows the unemployment rate is no higher than in the prior report.
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 | ±$110 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $295 loss on $10,000 · 3.0% | 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.