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OneMain Holdings Inc. (OMF) 12-Month Stock Forecast & Price Target Cone

$57.33 +1.38% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $57.36

OneMain Holdings Inc. (OMF) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $6.51B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OMF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, OneMain Holdings Inc. (NYSE: OMF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $57.33 (+1.38% 1D, market cap $6.51B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, OMF ranks #388 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OMF compare to WULF and HUT in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), OMF carries a Roarable C- (60/100 RQD), trailing P/E of 8.7x, gross margin of —, and ROIC of 6.0%. By comparison, WULF (TeraWulf Inc.) holds a E grade (28/100 RQD, P/E N/A, ROIC -28.9%, cap $5.85B) and HUT (Hut 8 Corp.) posts a E grade (29/100 RQD, P/E N/A, ROIC -13.9%, cap $7.32B). Among the 5-stock peer group, OMF leads on earnings multiple (8.7x) while FIGR leads on capital efficiency (21.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OMF?
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Per OMF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001584207), OneMain Holdings Inc. generated $2.59B in revenue (+53.8% YoY), $783.0M in net income, and $3.13B in free cash flow against $27.39B in total assets and $10.79B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $57.36 (+0.06%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 121.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510060
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D+
Cash (12)Whales (9)SEC (15)Macro (7)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$76 Bull$58 Base$45 Bear
📬 FREE OMF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OMF)Realized 20D OHLCV Swing Band: ±5.1%
Deterministic 5-Pillar Attribution (60/100 Composite)
🔍 WHY OMF SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Macro Regime Fit7/20 pts (-13 pt drag)

Macro rate sensitivity & RSI-14 (46.6) create a -13 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$54.64+4% Next Q
Q2 (-2Q)
55
Grade C$56.83+1.4% Next Q
Q3 (-1Q)
57
Grade C$57.65-0.6% Next Q
Current
60
Grade C-$57.33+0.4% Hist 90D α
Trajectory: C- (52) → C- (60)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the OMF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, OMF faces multiple-compression risk if 8.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($58.74) or 200D SMA ($58.27) invalidates the momentum regime and cuts Target Base ($57.85) toward Bear Floor ($45.12).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OMF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “OMF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your OMF Position Size: $10,000

Shares at $57.33: 174.4 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $45.12
$7,870
$-2,130 (-21.3%)
12M Consensus BaseTarget $57.85
$10,091
+$91 (+0.9%)
12M Bull Case BreakoutTarget $75.53
$13,175
+$3,175 (+31.7%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$6074%A
Goldman SachsSector Coverage LeadBUY$7169%B
JP MorganUS Large-Cap ResearchHOLD$5158%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (OMF Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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OMF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.88%📐 HORIZONTAL RANGE
2026-11-03O $59.34H $59.34L $56.55C $57.33VOL 1.29M
RES: $72.50SUP: $53.59SMA50: $58.74SMA200: $58.27
$67.38$63.11$58.84$54.57$50.29RES $72.50SUP $53.59$57.332026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OMF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OMF Butterfly Map → + Track OMF →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-3.9%/yr Implied 5Y Growth

vs. +53.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on OMF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OMF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for OMF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OMF)

Financials Rank #388 of 1097 ⚔️ WULF vs OMF Full Matrix →

1. Head-to-Head Financials Peer Comparison (OMF vs. WULF, HUT, FIGR, RIOT)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, OneMain Holdings Inc. (OMF) ranks #388 by composite RQD confidence (60/100, grade C-) and #233 by equity capitalization ($6.51B). Within this direct 5-issuer industry benchmark cohort, OMF leads on earnings valuation at 8.7x trailing P/E, while FIGR leads on capital efficiency and profitability with 21.9% ROIC and — gross margin. OMF currently leads its immediate peer cohort in composite quantitative strength at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
OMF ACTIVE
OneMain Holdings Inc.
C- 60/100 8.7x — 6.0% +1.38% $6.51B Benchmark Subject
WULF
TeraWulf Inc.
E 28/100 — — -28.9% -6.73% $5.85B /wulf-vs-omf →
HUT
Hut 8 Corp.
E 29/100 — — -13.9% -7.40% $7.32B /hut-vs-omf →
FIGR
Figure Technology Solutions Inc.
D 50/100 39.5x — 21.9% +0.97% $4.84B /figr-vs-omf →
RIOT
Riot Platforms Inc.
E 33/100 — — -15.3% -7.57% $4.81B /riot-vs-omf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001584207 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OneMain Holdings Inc. (OMF) reported GAAP revenue of $2.59B (+53.8% vs. FY2024 revenue of $1.68B , and +22.2% cumulative change since FY2023) , GAAP net income of $783.0M, operating cash flow of $3.13B, and free cash flow of $3.13B (+16.0% YoY). On the balance sheet, OMF closed FY2025 with $27.39B in total assets against $10.79B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.59B $783.0M $3.13B $3.13B $27.39B $10.79B
FY2024 (FY) 2024-12-31 $1.68B $509.0M $2.70B $2.70B $25.91B $10.22B
FY2023 (FY) 2023-12-31 $2.12B $641.0M $2.52B $2.52B $3.75B $878.6M

3. OMF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OMF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, OneMain Holdings Inc. (NYSE: OMF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $57.33 (+1.38% 1D, market cap $6.51B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, OMF ranks #388 in composite RQD confidence.

How does OMF compare to WULF and HUT in the Financials sector?

Within the Financials sector (Finance: Consumer Services), OMF carries a Roarable C- (60/100 RQD), trailing P/E of 8.7x, gross margin of —, and ROIC of 6.0%. By comparison, WULF (TeraWulf Inc.) holds a E grade (28/100 RQD, P/E N/A, ROIC -28.9%, cap $5.85B) and HUT (Hut 8 Corp.) posts a E grade (29/100 RQD, P/E N/A, ROIC -13.9%, cap $7.32B). Among the 5-stock peer group, OMF leads on earnings multiple (8.7x) while FIGR leads on capital efficiency (21.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OMF?

Per OMF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001584207), OneMain Holdings Inc. generated $2.59B in revenue (+53.8% YoY), $783.0M in net income, and $3.13B in free cash flow against $27.39B in total assets and $10.79B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OMF trading relative to its 50-day, 200-day, and 52-week technical levels?

OMF last traded at $57.33 (+1.38% on volume of 1,388,464 shares), positioning the stock -2.40% below its 50-day simple moving average ($58.74) and -1.61% below its 200-day simple moving average ($58.27). Across its 52-week range of $45.78 to $71.93, OMF sits at the 44.2% percentile with a 14-day RSI of 46.6 (NEUTRAL RANGE) and an implied next-earnings move of ±5.1% ($54.41 to $60.25).

Direct Sub-Reports: OMF RQD Cockpit OMF 12M Forecast OMF Earnings & Move OMF Dividends & DRIP OMF Insiders & 13F OMF Whale Options OMF Profit Sankey OMF News & Why
ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

OMF — OneMain Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

OneMain Holdings Inc. (OMF) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $57.33 (+1.38% 1D, market capitalization $6.51B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 6.0%, gross margin of —, operating margin of 50.0%, and free cash flow yield of 22.00%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (15/20): Incorporates a 1.04x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

OneMain Holdings Inc. (OMF) is a NYSE-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry. Its market capitalization is $6.8B. The profile does not describe specific products, customer segments, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), OneMain Holdings Inc. (OMF) reported $2.59B in annual revenue (up from $1.68B in FY2024, +53.8% YoY) and $783.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($2.12B revenue, $641.0M net income) through FY2025, OMF scaled operating cash flow to $3.13B and free cash flow to $3.13B, backed by $27.39B in total assets against $10.79B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 60/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $45.78 – $71.93 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 8.7x trailing P/E and 15.5x EV/EBITDA against 50.0% operating margins and a 1.04x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector context provided is Financials / Finance: Consumer Services.

  • Key Question #1: Can OMF sustain or expand its 50.0% operating margin and 6.0% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.59B and free cash flow of $3.13B, how will capital allocation balance growth reinvestment against $10.79B in total debt?
  • Key Question #3: How sensitive is OMF's 7.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.04x)?

OMF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for OneMain Holdings Inc. (OMF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to OMF Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OMF Bull vs. Bear Conversation Board — What's Your Call at $57.33?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OMF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on OMF:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $74.08 (+31.0%)
📌 Pinned Debate

Insider conviction (17/20) and a Piotroski F-Score of 8/9 with an FCF yield of 22% point to strong cash generation and balance-sheet qu

Don't sleep on OMF's setup in Financials. Insider conviction (17/20) and a Piotroski F-Score of 8/9 with an FCF yield of 22% point to strong cash generation and balance-sheet quality supporting the stock.. Beta of 1.04 means it moves fast when momentum turns, and the 5-pillar RQD gauge (60/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@MultipleCompression Fair point on 8.7x trailing P/E, but you're ignoring the forward operating leverage in Finance: Consumer Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $45.81 (-19.0%)
Spot @ $56.55

Macro regime fit scores only 12/20 with Beta at 1.04, and the Q3 earnings-driven credit concerns in the news wire add risk to the ROIC

I respect the product at OneMain Holdings Inc., but the stock at $56.55 is a different story. Macro regime fit scores only 12/20 with Beta at 1.04, and the Q3 earnings-driven credit concerns in the news wire add risk to the ROIC of 6%.. FCF yield is 22.0% and RQD sits at 60/100 (C-) — why pay up here when you can wait for next quarter's numbers?

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