OMF Stock Analysis: Buy, Sell, or Hold?
OMF - OneMain Holdings, Inc.
$58.08
-0.15 (-0.26%)
▼
5d:
+0.71%
30d:
+8.06%
90d:
+10.29%
HOLD
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 24, 2026
30d
Get Alerted When OMF Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: OMF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: OMF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$103.40
Based on 11.7% avg growth
INTRINSIC VALUE TODAY
$64.20
9.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OMF is currently trading at $58.08, which is considered extended relative to its 30-day fair value range of $53.57 to $57.00. The stock's valuation (Forward PE: 6.7) is in line with its historical norms (6.9). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 8.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, OMF is in a downtrend. The price is approaching resistance at $56.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: OMF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $67.79 (+16.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, OMF is in a downtrend. The price is approaching resistance at $56.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: OMF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $67.79 (+16.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$53.57 -
$57.00
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
59.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($67.79)
Trading Range Analysis
30-Day Trading Range
$53.57 -
$57.00
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$53.33
Resistance Level
$56.40
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.69
Wall Street Target
$67.79
(+16.7%)
Revenue Growth (YoY)
9.1%
Earnings Growth (YoY)
8.4%
Profit Margin
26.2%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
6.7 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$57.44
(-1%)
2-Year Target
$56.81
(-2%)
3-Year Target
$56.18
(-3%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$57.99
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 19.3%)
$321.16
(+453%)
Base:
(SPY PE: 6.7, Growth: 19.3%)
$98.57
(+70%)
Bear:
(PE: 5.7, Growth: 19.3%)
$83.79
(+44%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 8.74 | Current EPS (TTM): $6.71
Bull Case
$83.52
(+43%)
Analyst growth 29.5%, PE expands to 9.6
Base Case
$75.93
(+30%)
Market implied 29.5%, PE stable at 8.7
Bear Case
$39.88
(-32%)
Severe decline -20.0%, PE contracts to 7.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.7 to 6.9
Stabilization Target:
$59.95
(+3.2%)
PE Expansion Potential:
+3.2%
Share & Embed Analysis
Last updated: June 23, 2026 5:42 PM ET
Data refreshes hourly during market hours. Next update: 6:42 PM
Data refreshes hourly during market hours. Next update: 6:42 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is OMF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Micah R Conrad
SELL
5000 shares
2026-04-17
Micah R Conrad
SELL
5000 shares
2026-02-26
Douglas H Shulman
SELL
57500 shares
2026-01-02
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$399 | 60 BUY |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$645 | 61 BUY |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$255 | 62 BUY |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$52 | 57 HOLD |
|
AXP
American Express Company |
HOLD
30 analysts |
$363 | 63 BUY |
