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OneMain Holdings

OMF
56
Financial - Credit Services · Financial Services
Winston Score
56
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Quality
Strong
Growth
Good
Cash Flow
Exceptional
Stability
Weak
Valuation
Strong
Dividends
Good
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Winston Score History

The full picture

OneMain Holdings is a consumer lending company that gives personal loans to everyday Americans who have limited or no access to traditional bank loans. Its main customers are people with low-to-moderate credit scores who need money for things like debt consolidation, car repairs, or unexpected bills. OneMain is one of the largest personal installment loan lenders in the United States, operating through both a nationwide branch network and an online platform.

The company makes money by charging interest on the loans it issues, with rates that are higher than typical bank loans because its borrowers carry more credit risk. OneMain operates entirely within the United States, with roughly 1,400 branch locations across 44 states, giving it a broad physical presence that many online-only lenders cannot match. The key risk the business faces is credit losses — when the economy weakens and borrowers struggle to repay, loan defaults rise quickly, which can significantly hurt earnings.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-6.4% YoY

YoY Growth Rate

Earnings declining

Insider Activity

0.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$25.6B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

OneMain Holdings is growing revenue at 6% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
80.0%
Premium pricing power — 80.0% gross margin
Profit after running costs
Operating Margin
32.2%
Excellent — 32.2% operating margin
Return on the money invested
ROCE
6.3%
Weak — 6.3% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+7.0%
Slow sales growth (+7.0% YoY)
Profit growth
EPS YoY
+19.6%
Earnings growing fast (+19.6% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash
Cash Conversion
414%
Turns 414% of profit into real cash
Spare cash per sale
FCF Margin
50.4%
Converts sales into free cash efficiently (50.4%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns
Debt / Equity
6.73
Heavy debt load (6.73)
Covers its interest
Interest Cover
1.28x
Dangerous — barely covers interest (1.3x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit
P/E Ratio (TTM)
9.5x
no trend
Attractive valuation — P/E 9.5

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
+0.7
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
6.70%
no trend
Healthy income — 6.70% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
+1.0%
no trend
Dividend flat

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