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Consumer finance company making unsecured and secured personal installment loans, mainly to non-prime borrowers, via branches.
Consumer finance company making unsecured and secured personal installment loans, mainly to non-prime borrowers, via branches.
Earns interest on loans it holds, often at high rates to borrowers banks decline, plus fees and credit-insurance premiums; it is mainly funded by securitisations, bundled loans sold as bonds, and unsecured debt rather than deposits. Credit losses are the main swing factor. It was formed in 2015 when Springleaf bought OneMain from Citigroup.
Moat: narrow (scale, distribution, process know-how). Nationwide branch network and decades of non-prime underwriting data versus fintech-only lenders.
Headquarters: Evansville, Indiana, US · Founded: 1912 · Employees: 9,300
Size OneMain (OMF) is a United States Financials company (Finance/Rental/Leasing) with a market value of $6.42B, the 1011th largest of 3,117 United States companies the cockpit tracks. Shares closed at $56.09 on 6 Nov 2026.
Performance Over six months the shares was unchanged, against -8.8% for the median peer and -1.1% for the United States market (cap-weighted) — 8th highest of 21 in its peer set.
Growth Revenue grew 6.5% over the last twelve months (peer median +9.8%); the operating margin is 35.2% (peer median 34.5%).
Valuation It trades at 1.90× book value against a peer median of 2.04× (10th cheapest of 21).
Price implies The share price implies a return on equity of about 18.5%; OneMain delivers 22.7%, so the price asks less than the business earns today.
Credit OneMain has 15 bonds outstanding ($11.3B), rated BB by the agencies and trading like BB- at a weighted spread of 222 bp.
Short interest Short interest is 3.6% of the free float (15 Oct 2026).
Next results Next results expected around 10 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $6.53B | $6.24B | $5.72B | $5.30B | $5.09B |
| Revenue growth | — | +9% | +8% | +4% | — |
| Gross profit | $5.49B | $5.26B | $4.80B | $4.43B | $4.31B |
| EBITDA | $4.83B | $4.62B | $4.20B | $3.84B | $3.74B |
| Net income | $767M | $783M | $509M | $641M | $872M |
| Free cash flow | $3.21B | $3.13B | $2.70B | $2.52B | $2.39B |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Total debt | $24.1B | $22.7B | $21.4B | $19.8B | $18.3B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| OneMain OMF | $6.42B | 0% | +6% | 23% | 1.90× | 18.5% |
| World Acceptance WRLD | $671M | 0% | +5% | 14% | 1.92× | 18.4% |
| Regional Management RM | $324M | +3% | +8% | 13% | 0.87× | 9.3% |
| Oportun Financial OPRT | $520M | +97% | 0% | 9% | 1.20× | 13.0% |
| Enova International ENVA | $4.22B | -1% | +20% | 27% | 2.72× | 26.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | OMF | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -0.6% | +1.4% | 11th highest of 21 |
| 6-month return | 0.0% | -8.8% | 8th highest of 21 |
| Return on equity | 22.7% | 12.4% | 3rd highest of 21 |
| Price / book | 1.90× | 2.04× | 10th cheapest of 21 |
| Trailing P/E | 8.5× | 18.3× | 4th cheapest of 21 |
| ROE the price implies | 18.5% | 17.5% | 11th least demanding of 21 |
| ROE delivered | 22.7% | 12.4% | 2nd highest of 21 |
| Bond spread | 222 bp | 98 bp | 2nd widest of 7 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| OneMain OMF | United States | $6.42B | 0% | +6% | 23% | 1.90× | 18.5% | 22.7% |
| Jiangsu Financial Leasing 600901.SS | China | $6.66B | +12% | +14% | 13% | 1.67× | 5.9% | 13.5% |
| SBI Cards & Payment Services SBICARD.NS | India | $5.89B | -10% | +6% | 16% | 3.24× | 40.7% | 16.3% |
| Bajaj Housing Finance BAJAJHFL.NS | India | $7.05B | -9% | +17% | 12% | 2.77× | 41.1% | 12.4% |
| BOC Aviation 2588.HK | Hong Kong | $7.09B | -3% | -2% | 12% | 1.01× | 6.2% | 11.8% |
| Piramal Finance PIRAMALFIN.NS | India | $7.17B | +13% | +71% | 7% | 1.58× | 13.0% | 6.5% |
| Chailease 5871.TW | Taiwan | $5.74B | -10% | -4% | 12% | 0.97× | 3.8% | 11.5% |
| Element Fleet Management EFN.TO | Canada | $5.61B | -31% | +5% | 11% | 2.06× | 9.2% | 10.6% |
| L&T Finance LTF.NS | India | $7.36B | -9% | +17% | 12% | 2.38× | 45.8% | 12.3% |
| Tokyo Century 8439.T | Japan | $7.50B | +12% | +8% | 12% | 1.01× | 7.7% | 11.6% |
| Credit Acceptance CACC | United States | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% | 22.7% |
| FirstCash FCFS | United States | $7.96B | -18% | +23% | 18% | 3.50× | 19.9% | 18.2% |
| Figure Technology Solutions FIGR | United States | $5.10B | -40% | +66% | 26% | 3.58× | 26.5% | 26.2% |
| Herc HRI | United States | $5.08B | +14% | +19% | 6% | 2.56× | 33.3% | 6.3% |
| REC RECLTD.NS | India | $8.27B | -18% | -3% | 17% | 0.83× | 15.1% | 17.0% |
| Sundaram Finance SUNDARMFIN.NS | India | $4.95B | -11% | +14% | 14% | 2.89× | 35.3% | 14.4% |
| Ayvens AYV.PA | France | $8.45B | -16% | 0% | 9% | 0.68× | 8.0% | 9.2% |
| HDB Financial Services HDBFS.NS | India | $4.71B | -24% | +11% | 14% | 2.01× | 30.2% | 14.3% |
| Nelnet NNI | United States | $4.67B | +7% | -7% | 8% | 1.24× | 10.1% | 8.1% |
| Bohai Leasing 000415.SZ | China | $4.44B | +2% | -7% | 18% | 0.90× | 6.3% | 17.8% |
| Poonawalla Fincorp POONAWALLA.NS | India | $4.42B | +4% | +77% | 9% | 3.02× | 47.4% | 9.2% |
OneMain has 15 bonds outstanding with $11.3B face value. The agencies rate it BB; its bonds trade like BB-. Weighted yield 6.79%, a spread of 222 bp over government bonds.