OneMain (OMF) Stock: Buy, Sell, or Hold?
$55.47
+0.12 (+0.22%)
▲
5d:
-4.31%
30d:
-1.09%
90d:
-15.04%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (80%)
Quality Score
40/100
Position
OVERSOLD
30-Day Fair Range
$55.48 – $57.29
Position: OVERSOLD
Forward P/E & Valuation
6.7x
FAIR
vs 6.9x historical avg
Wall Street Target
$66.86
+20.8% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$54.35 / $59.54
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: OMF shows conflicting indicators. Wait for confirmation before entering.
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...
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$110.26
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$68.47
19.0% 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 $55.47, which is considered oversold relative to its 30-day fair value range of $55.48 to $57.29. 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 1.0% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, OMF is in a downtrend. The price is currently testing key support at $54.35. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $66.86 (+20.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, OMF is in a downtrend. The price is currently testing key support at $54.35. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $66.86 (+20.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$55.48 -
$57.29
Company Quality Score
40/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Trading Range & Key Levels
30-Day Trading Range
$55.48 -
$57.29
Current vs Trading Range
OVERSOLD
Support Level
$54.35
Resistance Level
$59.54
Current Trend
Downtrend
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (41/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.8% below Wall St target ($66.86)
- WARNING: Composite score 40/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
6.74
Wall Street Target
$66.86
(+20.8%)
Revenue Growth (YoY)
-5.5%
Earnings Growth (YoY)
-4.2%
Profit Margin
25.8%
Valuation Discount vs History
-1.0% cheaper
PE vs Historical
6.7 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.0%
(market-implied from PE analysis)
1-Year Target
$54.80
(-1%)
2-Year Target
$54.25
(-2%)
3-Year Target
$53.71
(-3%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$54.94
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 26.0%)
$326.25
(+489%)
Base:
(SPY PE: 6.7, Growth: 26.0%)
$110.80
(+100%)
Bear:
(PE: 5.7, Growth: 26.0%)
$94.18
(+70%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 8.45 | Current EPS (TTM): $6.57
Bull Case
$76.25
(+38%)
Analyst growth 24.9%, PE expands to 9.3
Base Case
$69.32
(+25%)
Market implied 24.9%, PE stable at 8.5
Bear Case
$37.74
(-32%)
Severe decline -20.0%, PE contracts to 7.2
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:
$56.62
(+2.3%)
PE Expansion Potential:
+2.3%
Share OMF Analysis
Share this live OMF analysis (with rich preview card) to Reddit, StockTwits, X, or embed the chart on your blog.
bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (OMF)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jun 20, 2026
Daily AI digest
AI Retail Discussion Summary:
StockTwits messages indicate a bullish sentiment towards $OMF, with one user questioning a potential upwards wedge formation. No recent news articles were found on Yahoo Finance.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 1:05 PM ET
Data refreshes hourly during market hours. Next update: 2:05 PM
Data refreshes hourly during market hours. Next update: 2:05 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
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
AFRM
Affirm Holdings Inc |
STRONG BUY
36 analysts |
$98 | 51 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
40 analysts |
$716 | 34 SELL |
|
V
Visa Inc. Class A |
STRONG BUY
40 analysts |
$446 | 32 SELL |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$255 | 52 HOLD |
|
AXP
American Express Company |
HOLD
29 analysts |
$366 | 54 HOLD |
Explore More Analysis & Live Quant Tools
Part A: Deep-Dive OMF Research Pages
