OneMain Financial (OMF)
Financials · Nonprime consumer finance
OneMain Financial provides personal loans, auto financing, and credit cards to nonprime consumers through a nationwide branch network and digital platform, managing $26.3 billion in customer receivables.
What OneMain Financial does
OneMain Financial is a consumer finance leader serving nonprime consumers who have limited access to traditional banking credit. The company originates and services personal loans, secured auto financing, and credit cards through a nationwide branch network of over 1,300 locations, digital platforms, and auto dealership partnerships. At year-end 2025, it served approximately 3.8 million customer accounts with $26.3 billion of managed receivables across 48 states.
Themes: ["Nonprime consumer credit","Personal loans","Auto finance","Credit cards","Consumer insurance products","Digital lending platform","Financial wellness"]
Fundamentals
- Price$58.84 as of 2026-07-09 close
- Market cap$6.8B as of 2026-07-10
- 1-year return-0.3% as of 2026-07-09 close
- P/E8.60 as of 2026-07-10
- Net margin+12.6% as of 2026-07-10
- Gross margin+79.8% as of 2026-07-10
- ROE+23.6% as of 2026-07-10
- Debt / equity6.63 as of 2026-07-10
- Revenue growth (YoY)+7.8% as of 2026-07-10
- Beta1.21 as of 2026-07-10
Dividend: yield +7.1%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Exposure to credit deterioration in the nonprime consumer segment; gross and net charge-off ratios are sensitive to economic cycles and consumer delinquencies (30-89 day past-due ratios tracked as key performance metric)","Dependence on capital market access for funding through asset-backed securitization and debt issuance; refinancing risk on maturing obligations including Junior Subordinated Debentures and various supplemental indentures","Regulatory and compliance risk in consumer lending across 48 states plus D.C. and Canada, including state-level licensing requirements for insurance subsidiaries and federal consumer protection regulations"]
Competitors & peers
- Elevate Credit (ELVT)
- LendingClub (LC)
- Enova International (ENVA)
- Kasasa
- Upstart Holdings (UPST)
- SoFi (SOFI)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.