Stock fact sheet · data as of
OneMain Holdings, Inc. (OMF): fair value, margin of safety and Wheel Score
Ticker symbol OMF · Financial Services · Financial - Credit Services · United States · Blend Quality Income
Is OMF undervalued?
OMF has a margin of safety of 72%: the stock closed at 57.97 on 5 Nov 2026 against a GLS average fair value of 207.52. 9 of the 9 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 9 models disagree widely: DDM gives 61.80 while 10 Cap gives 592.03. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for OMF, so the nightly engine files it under Blend (value score 70, growth score 52, out of 100). It also carries the Quality and Income tags (Quality = moat 7.5+ out of 10 and Piotroski 7+; Income = a dividend yield of 4% or more).
Nine valuation models for OMF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 132.56 | +129% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 66.23 | +14% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 308.88 | +433% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 129.73 | +124% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 85.08 | +47% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 592.03 | +921% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 417.60 | +620% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 61.80 | +7% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 73.79 | +27% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -191.79 | -431% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 65.25 | +13% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health OMF scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 8.1 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are thin or negative - ROIC 3.0%, ROE 23.0%, ROA 2.9% - with debt at 6.67 times equity and a free-cash-flow yield of 48.4%. Debt of 6.67 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
The dividend yield is high at 7.25% (payout ratio 64%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Consumer 100% (fiscal year FY2014).
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 1/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 3.0% |
|---|---|---|---|
| GLS Moat | 8.1 / 10 | ROE | 23.0% |
| Debt / equity | 6.67 | ROA | 2.9% |
| Free-cash-flow yield | 48.4% | Payout ratio | 64% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 1 / 10 |
Wheel Score 82: Good
OMF scores 82 out of 100 on the Wheel Score (Good band, 70-84): it passes all 9 Wheel Trade Filters. How it ranks: value strong, premium good, moat strong, health good, red flags strong, option trading fair, stability fair; Option trading (fair) holds it back.
Implied volatility is 31% on the near-the-money contracts 20-60 days out: enough to pass the 25-80% Wheel Trade Filter, but under the 35-60% sweet spot the score rewards most. Chain open interest is 19,240 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 1.2M shares a day on a market cap of $6.6B, with a beta of 1.26 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 72% below fair value | |
| Premium | Good | implied volatility 31% | |
| Moat | Strong | moat 8.1/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Strong | Red Flags score 90/100 | |
| Option trading | Fair | 408 contracts a day, 19,240 open interest | |
| Stability | Fair | beta 1.26, $6.6B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for OMF in the nightly calendar. The shares go ex-dividend on 9 Nov 2026 (1.05 per share), so a covered call sold before then carries a small early-assignment risk around that date.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to OneMain Holdings, Inc. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SLMBP SLM Corporation | 70.99 | 236.36 | +70% | 38No options | $6.4B |
| LU Lufax Holding Ltd | 8.51 | 43.72 | +81% | 39Weak | $7.4B |
| FCFS FirstCash Holdings, Inc | 193.34 | 232.88 | +17% | 77Good | $8.3B |
| KLAR Klarna Group plc | 13.89 | 8.37 | -66% | 31Weak | $5.2B |
| CACC Credit Acceptance Corporation | 498.68 | 965.03 | +48% | 50Fair | $5.1B |
| SEZL Sezzle Inc. | 136.69 | 219.84 | +38% | 41Weak | $4.6B |
| NNI Nelnet, Inc. | 127.58 | 171.16 | +25% | 42Weak | $4.6B |
| ENVA Enova International, Inc. | 181.18 | 713.58 | +75% | 79Good | $4.4B |
| JSM Navient Corporation SR NT 6% 121543 | 15.59 | 45.78 | +66% | 29No options | $4.3B |
| BFH Bread Financial Holdings, Inc. | 104.83 | 428.64 | +76% | 85Prime | $4.0B |
| ALLY Ally Financial Inc. | 39.36 | 70.99 | +45% | 83Good | $12.0B |
| SLM SLM Corporation | 18.68 | 83.62 | +78% | 80Good | $3.5B |
⚖ Compare OMF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about OMF
Is OMF undervalued right now?
By the GLS models, yes: at 57.97 the stock is 72% below the average fair value of 207.52 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of OMF and what does it mean?
OMF scores 82 out of 100 (Good). The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for OMF?
207.52 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does OneMain Holdings, Inc. report earnings next?
No upcoming earnings date is recorded for OMF in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does OMF have listed options, and how liquid are they?
Yes. The nightly snapshot found 66 listed contracts with 19,240 open interest across all expiries and implied volatility of 31% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.