Yahoo Finance report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
Why OMF Stock dropped -4.70% Today — RQD Quant Desk Flash
OneMain Holdings Inc. (OMF) carries a Roarable Rating of C+ (Hold) with 69/100 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.
🤖 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 2026-11-02, OneMain Holdings Inc. (NYSE: OMF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $56.55 (-4.70% 1D, market cap $6.83B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OMF ranks #149 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does OMF compare to WULF and CACC in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), OMF carries a Roarable C+ (69/100 RQD), trailing P/E of 8.7x, gross margin of —, and ROIC of 6.0%. By comparison, WULF (TeraWulf Inc.) holds a E grade (29/100 RQD, P/E N/A, ROIC -28.9%, cap $6.36B) and CACC (Credit Acceptance Corporation) posts a C grade (63/100 RQD, P/E N/A, ROIC 0.0%, cap $5.98B). Among the 5-stock peer group, OMF leads on earnings multiple (8.7x) while FIGR leads on capital efficiency (21.9% ROIC).
🤖 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 $0 in revenue, $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: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
Macro rate sensitivity & RSI-14 (57.6) create a -8 pt regime headwind
⚔️ Adversarial Opposing Case: Why the OMF Bull Thesis Could Fail
Even with a 69/100 (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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($58.88) or 200D SMA ($58.30) invalidates the momentum regime and cuts Target Base ($59.35) toward Bear Floor ($46.29).
Why OMF Stock dropped -4.70% Today — RQD Quant Desk Flash
OneMain Holdings Inc. (OMF) dropped -4.70% to $56.55, trading at 41% of its 52-week range ($45.78 – $71.93). Solid steady margins (6% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 41% of its 52-week range ($45.78 – $71.93) with RSI-14 at 57.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.8% around $56.55 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 0% gross margin and $3.1B annual free cash flow.
Simply Wall St report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
B of A Securities analyst Mihir Bhatia maintains OneMain Holdings (NYSE:OMF) with a Buy and lowers the price target from $67 to $66.
OneMain’s third quarter results delivered revenue and profit above Wall Street expectations, but the market responded negatively, reflecting investor concerns about underlying credit trends and the sustainability of rece
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
OMF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +23.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on OMF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for OMF. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OMF)
1. Head-to-Head Financials Peer Comparison (OMF vs. WULF, CACC, HUT, FIGR)
Industry: Finance: Consumer Services (156 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, OneMain Holdings Inc. (OMF) ranks #149 by composite RQD confidence (69/100, grade C+) and #231 by equity capitalization ($6.83B). 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 69/100 (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+ | 69/100 | 8.7x | — | 6.0% | -4.70% | $6.83B | Benchmark Subject |
| WULF TeraWulf Inc. | E | 29/100 | — | — | -28.9% | -8.00% | $6.36B | /wulf-vs-omf → |
| CACC Credit Acceptance Corporation | C | 63/100 | — | — | 0.0% | -19.26% | $5.98B | /cacc-vs-omf → |
| HUT Hut 8 Corp. | E | 29/100 | — | — | -13.9% | -10.60% | $8.19B | /hut-vs-omf → |
| FIGR Figure Technology Solutions Inc. | D | 51/100 | 39.5x | — | 21.9% | -8.52% | $5.29B | /figr-vs-omf → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001584207In its most recent audited fiscal period (FY2025, filed 2025-12-31), OneMain Holdings Inc. (OMF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , 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 | $0 | $783.0M | $3.13B | $3.13B | $27.39B | $10.79B |
| FY2024 (FY) | 2024-12-31 | $0 | $509.0M | $2.70B | $2.70B | $25.91B | $10.22B |
| FY2023 (FY) | 2023-12-31 | $0 | $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 ENABLEDIs OMF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, OneMain Holdings Inc. (NYSE: OMF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $56.55 (-4.70% 1D, market cap $6.83B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OMF ranks #149 in composite RQD confidence.
How does OMF compare to WULF and CACC in the Financials sector?
Within the Financials sector (Finance: Consumer Services), OMF carries a Roarable C+ (69/100 RQD), trailing P/E of 8.7x, gross margin of —, and ROIC of 6.0%. By comparison, WULF (TeraWulf Inc.) holds a E grade (29/100 RQD, P/E N/A, ROIC -28.9%, cap $6.36B) and CACC (Credit Acceptance Corporation) posts a C grade (63/100 RQD, P/E N/A, ROIC 0.0%, cap $5.98B). 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 $0 in revenue, $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: Broader market pullbacks can still drag down strong stocks in the short run.. 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 $56.55 (-4.70% on volume of 1,294,791 shares), positioning the stock -3.96% below its 50-day simple moving average ($58.88) and -3.00% below its 200-day simple moving average ($58.30). Across its 52-week range of $45.78 to $71.93, OMF sits at the 41.2% percentile with a 14-day RSI of 57.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($53.84 to $59.26).
OMF Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is OMF stock moving today?
Why OMF Stock dropped -4.70% Today — RQD Quant Desk Flash. Solid steady margins (6% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
OMF — OneMain Holdings Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, OMF carries an RQD Score of 69 and a letter grade of C+, labeled "Roarable Hold — Upper Neutral / Watch for Breakout." Across the five pillars, the Fundamental Cash Engine scores 12 of 20 (ROIC 6%; FCF yield 22%), suggesting cash generation is strong relative to the stated return on invested capital. Whale/13F Flow scores 13 of 20, indicating moderate institutional accumulation and options positioning. Insider Conviction, which reflects SEC Form 4 and Congressional PTR cluster flow, is the strongest pillar at 17 of 20. Macro Regime Fit scores 12 of 20 against a Beta of 1.04 and the sector sensitivity noted in the rating. Forensic Balance Sheet scores 15 of 20, supported by an Altman Z of 2.5, a Piotroski F of 8/9, and a Debt/Equity of 0.5.
For a prospective investor evaluating the stock today, the rating points to a mixed but constructive picture: insider flow and balance-sheet forensics are the firmest supports, while macro sensitivity and institutional flow are only moderate. The "Watch for Breakout" language signals the rating sits near the upper neutral band rather than at a clear buy threshold. Upside drivers would be sustained insider and institutional accumulation paired with continued balance-sheet strength. Valuation tradeoffs are visible in the market data: a P/E (TTM) of 8.7 and Forward P/E of 7.3 sit against an EV/EBITDA of 15.5, a combination that warrants reconciling earnings-based and enterprise-based multiples before drawing conclusions.
Snapshot
Business
OneMain Holdings Inc. (OMF) is a NYSE-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry. Per the company profile, its market capitalization is $6.8B. The profile does not describe specific products, customer segments, or revenue model. Not available in source data for the detailed business description beyond sector and industry classification.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $923.9M | $783.0M | N/A | $3132.0M | $914.0M | $10794.1M |
| FY 2024 | $0.0M | $600.6M | $509.0M | N/A | $2699.0M | $458.0M | $10223.5M |
| FY 2023 | $0.0M | $756.4M | $641.0M | N/A | $2519.0M | N/A | $878.6M |
Per the SEC financials, operating income and net income rose from FY 2023 to FY 2025 with FY 2025 net income at $783.0M, and reported operating margin is 50% and net margin is 41% per market data. ROIC is 6%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9, both per the Roarable RQD rating. Debt rose from $878.6M in FY 2023 to $10794.1M in FY 2025, and Debt/Equity is 0.5 per the forensic metrics. Revenue and EPS are not reported in the source data for these periods.
Recent Catalysts & News Wire Analysis
- Market wire (Yahoo Finance, 1h ago): Headline references a 3-year return of 89% and a view that the stock "looks reasonable." Light: YELLOW.
- Market wire (Simply Wall St, 3h ago): General stock analysis coverage. Light: YELLOW.
- Catalyst (Seeking Alpha, 6h ago): Rating-upgrade coverage citing improving delinquencies. Light: GREEN.
- Market wire (TradingView, 9h ago): Preview of an upcoming earnings report. Light: YELLOW.
- Market wire (Yahoo Finance, 12h ago): Reports the share price retreated after Q3 earnings stirred credit concerns. Light: YELLOW.
- Catalyst (GuruFocus, 15h ago): Reports Q2 results with shares rising on a revenue beat. Light: GREEN.
Risk watch items: the Q3 credit-concern coverage is the clearest negative signal in the feed. The Butterfly Supply-Chain Graph reports no supply-chain dependency and no proprietary signals.
Open Questions
- What are the reported revenue and EPS figures for FY 2023–FY 2025, given that the financials list revenue as $0.0M and EPS as N/A?
- What is the source of the rise in reported debt from $878.6M (FY 2023) to $10794.1M (FY 2025), and what drove the change?
- What specific credit-quality metrics (delinquency, charge-off trends) underlie the Q3 "credit concerns" and the "improving delinquencies" commentary?
- What is the reconciliation between the low P/E multiples (8.7 TTM, 7.3 forward) and the EV/EBITDA of 15.5?
- Which specific insider, 13F, and Congressional trades constitute the Insider Conviction and Whale/13F Flow pillar scores?
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
Yahoo Finance report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering OneMain Holdings Inc. (OMF) market action, institutional positioning, and fundamental catalysts.
OMF Bull vs. Bear Conversation Board — What's Your Call at $56.55?
🔥 Official Bull vs. Bear Debate: Is OMF (C+ • RQD 69/100) a Buy at $59.34?
Welcome to the OMF (OneMain Holdings Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on OMF — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on OMF, but look at what you are paying: 8.7x trailing P/E with tightening sector spreads. Unless OneMain Holdings Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
OMF cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on OMF, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $59.34 (52-wk range $45.78 - $71.93), any beat on forward guidance forces shorts and underweight funds to chase.