OMF Stock Analysis: Buy, Sell, or Hold?
OMF - OneMain Holdings, Inc.
$59.25
0.00 (0.00%)
▲
5d:
-1.38%
30d:
+8.68%
90d:
+5.88%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 29, 2026
14d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: OMF shows positive signals but monitor for confirmation. Market pricing in 0.1% decline. Moderate conviction.
💡 BUY OPPORTUNITY: OMF shows positive signals but monitor for confirmation. Market pricing in 0.1% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$104.08
Based on 12.0% avg growth
INTRINSIC VALUE TODAY
$64.63
8.3% 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 $59.25, which is considered slightly high relative to its 30-day fair value range of $55.42 to $60.00. The stock's valuation (Forward PE: 6.9) is in line with its historical norms (6.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% 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: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $68.21 (+15.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
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: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $68.21 (+15.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$55.42 -
$60.00
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
62.9%
All Signals
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($68.21)
Trading Range Analysis
30-Day Trading Range
$55.42 -
$60.00
Current vs Trading Range
SLIGHTLY HIGH
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.)
6.88
Wall Street Target
$68.21
(+15.1%)
Revenue Growth (YoY)
9.1%
Earnings Growth (YoY)
8.4%
Profit Margin
26.2%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
6.9 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$59.19
(0%)
2-Year Target
$59.13
(0%)
3-Year Target
$59.07
(0%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$59.26
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 20.0%)
$324.52
(+448%)
Base:
(SPY PE: 6.9, Growth: 20.0%)
$102.48
(+73%)
Bear:
(PE: 5.8, Growth: 20.0%)
$87.11
(+47%)
📈
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: 8.83 | Current EPS (TTM): $6.71
Bull Case
$83.67
(+41%)
Analyst growth 28.4%, PE expands to 9.7
Base Case
$76.07
(+28%)
Market implied 28.4%, PE stable at 8.8
Bear Case
$40.29
(-32%)
Severe decline -20.0%, PE contracts to 7.5
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 6.9 to 6.9
Stabilization Target:
$59.44
(+0.3%)
PE Expansion Potential:
+0.3%
Share & Embed Analysis
Last updated: July 13, 2026 8:07 PM ET
Data refreshes hourly during market hours. Next update: 9:07 PM
Data refreshes hourly during market hours. Next update: 9:07 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is OMF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Micah R Conrad
SELL
5000 shares
2026-04-17
Micah R Conrad
SELL
5000 shares
2026-02-26
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