OMF · OneMain Holdings, Inc.
$64.21
-0.52 (-0.80%)
At close · Aug 19
Market Cap
$7.53B
Shares
115.53M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$64.21
Open$65.01
Day$64.17–65.81
52W close$49.26–71.37
Avg vol 30d1.0M
Short int5.2M · 4.5% float · 5.0d
Short vol54%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 30
Up next
Next earnings call
Oct 30, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 30, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+7%
above
Price vs 50-day avg
+6%
above
RSI (14)
57
neutral
MACD trend
Negative
52-week position
68%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+7%
trailing
6-month return
+11%
trailing
YTD return
−5%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $61 › 200d $60 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +91 funds added
Insider flow
Distributing
Net -$327.0K over 90 days · 100% sells
Short interest
Falling
4.54% of float · ▼ -10.8% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
522 holders — near 3-yr high, broad support
Squeeze score
58
elevated · 0–100
Fundamentals
EPS growth
+55%
Y/Y
Valuation
P/E 9.7
below peers
Buyback
$1.0B
authorized
Balance sheet
$21.8B
net debt
Quant / Vol
risk profile
Volatility
30%
annualized · 1-yr
Max drawdown
−31%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Dec 31, 2025
Quarterly claims expense
· the mid- to high $50 million range
$50M – $59M
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2024
Receivables
· end of the year
at least $24.5B
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+7%
Bullish
Price vs 50-day avg
+6%
Bullish
RSI (14)
57
Neutral
MACD trend
Negative
Bearish
52-week position
68%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $61 › 200d $60 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +91 funds added
Insider flow
Distributing
Net -$327.0K over 90 days · 100% sells
Short interest
Falling
4.54% of float · ▼ -10.8% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
522 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $49
Now $64 · 68%
Range high $71
vs 200-day avg +7%
vs 50-day avg +6%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| 30+ delinquency | $1.24B | Jun 30, 2026 | — |
| 30+ delinquency ratio | 5.17% | June 30, 2026 | — |
| 30-89 delinquency ratio | 3.02% | June 30, 2026 | — |
| 90+ delinquency | $516M | Jun 30, 2026 | — |
| 90+ delinquency ratio | 2.15% | June 30, 2026 | — |
| Adjusted capital non-GAAP | $4.05B | Jun 30, 2026 | — |
| Adjusted tangible common equity non-GAAP | $1.86B | Jun 30, 2026 | — |
| Average net receivables | $22.92B | Jun 30, 2025 | — |
| C&I adjusted diluted EPS non-GAAP | $1.31 | the second quarter of 2026 | — |
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| C&I adjusted net income non-GAAP | $151M | the second quarter of 2026 | — |
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| C&I adjusted pretax income non-GAAP | $201M | the second quarter of 2026 | — |
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| C&I average net receivables non-GAAP | $24.75B | Jun 30, 2026 | — |
| Capital generation non-GAAP | $229M | the second quarter of 2026 | — |
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| Capital generation return on receivables (non-GAAP) non-GAAP | 3.7% | Jun 30, 2026 | — |
| Capital generation, net of tax* (non-GAAP) non-GAAP | $229M | Jun 30, 2026 | — |
| Consumer loan originations | $4.3B | the second quarter of 2026 | — |
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| Gross charge-off ratio | 9.7% | Jun 30, 2026 | — |
| Managed receivables | $26.9B | the second quarter of 2026 | — |
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| Net adjusted debt non-GAAP | $22.2B | Jun 30, 2026 | — |
| Net charge-off ratio | 7.19% | Jun 30, 2025 | — |
| Net finance receivables - auto finance | $2.68B | Jun 30, 2026 | — |
| Net finance receivables - credit cards | $1.14B | Jun 30, 2026 | — |
| Net finance receivables - personal loans | $21.33B | Jun 30, 2026 | — |
| Origination volume | $4.32B | Jun 30, 2026 | — |
| Pretax capital generation (non-GAAP) non-GAAP | $305M | Jun 30, 2026 | — |
| Quarterly dividend declared per share | $1.05 | the second quarter of 2026 | — |
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| Undrawn committed capacity under revolving conduit facilities and credit card variable funding n | $6.5B | the second quarter of 2026 | — |
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| Undrawn conduit facilities | $5.8B | Jun 30, 2026 | — |
| Undrawn corporate revolver | $1.03B | Jun 30, 2026 | — |
| Undrawn credit card revolving variable funding note facilities | $700M | Jun 30, 2026 | — |
| Unencumbered receivables | $11.6B | the second quarter of 2026 | — |
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| Yield | 22.7% | Jun 30, 2026 | — |
| C&I adjusted earnings per diluted share non-GAAP | $1.95 | first quarter of 2026 | — |
| Undrawn committed capacity from an unsecured corporate revolver | 1.1B | first quarter of 2026 | — |
| 30+ days delinquency ratio | 5.85% | the fourth quarter of 2025 | — |
| 30-89 days delinquency ratio | 3.36% | the fourth quarter of 2025 | — |
| 90+ days delinquency ratio | 2.49% | the fourth quarter of 2025 | — |
| Net charge-offs | 7.56% | the fourth quarter of 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OMF
this stock
OneMain Holdings, Inc.
|
$7.53B | -4.9% | — | 9.7 | 4.5% |
|
V
Visa Inc.
|
$649.98B | +4.2% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$492.55B | +0.5% | +16.4% | 30.9 | 1.0% |
|
AXP
American Express Co
|
$228.61B | -8.1% | +13.4% | 20.6 | 1.8% |
|
COF
Capital One Financial Corp
|
$138.96B | -8.9% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OMF | -0.7% | +7.3% | +11.1% | +2.6% | -4.9% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -0.2% | +4.4% | -0.5% | -0.4% | -17.7% |
Capital returns
Latest dividend
$1.05
/ share · ex Aug 10, 2026
Paid (TTM)
$4.20
/ share · 4 payouts
Dividend yield (TTM, derived)
6.54%
Buyback program
· as of Oct 23, 2025
Authorized
$1.00B
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1584207
CUSIP
68268W103
13F (30d)
468 filings
459 filers
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