OneMain (OMF) Stock: Buy, Sell, or Hold?
OMF - OneMain Holdings, Inc.
$55.87
0.48 (0.87%)
▲
5d:
-1.41%
30d:
-8.57%
90d:
-6.1%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 30, 2026
27d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: OMF shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: OMF shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$111.10
Based on 13.5% avg growth
INTRINSIC VALUE TODAY
$68.98
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 7.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OMF is currently trading at $55.87, which is considered oversold relative to its 30-day fair value range of $58.02 to $63.71. The stock's valuation (Forward PE: 6.6) is in line with its historical norms (7.0). Remarkably, the market is currently pricing in an annual earnings decline of 2.0% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, OMF is in a strong uptrend. Immediate support is located at $54.15, while resistance sits at $61.69.
Market Sentiment: OMF scores 22/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $69.07 (+23.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, OMF is in a strong uptrend. Immediate support is located at $54.15, while resistance sits at $61.69.
Market Sentiment: OMF scores 22/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $69.07 (+23.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$58.02 -
$63.71
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (22/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 23.6% below Wall St target ($69.07)
- WARNING: Composite score 50/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$58.02 -
$63.71
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$54.15
Resistance Level
$61.69
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.57
Wall Street Target
$69.07
(+23.6%)
Revenue Growth (YoY)
-2.7%
Earnings Growth (YoY)
-5.9%
Profit Margin
25.9%
Valuation Discount vs History
-2.0% cheaper
PE vs Historical
6.6 vs 7.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.0%
(market-implied from PE analysis)
1-Year Target
$54.75
(-2%)
2-Year Target
$53.66
(-4%)
3-Year Target
$52.58
(-6%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$56.00
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 23.0%)
$322.38
(+477%)
Base:
(SPY PE: 6.6, Growth: 23.0%)
$103.87
(+86%)
Bear:
(PE: 5.6, Growth: 23.0%)
$88.29
(+58%)
📈
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: 8.35 | Current EPS (TTM): $6.63
Bull Case
$78.12
(+40%)
Analyst growth 28.2%, PE expands to 9.2
Base Case
$71.01
(+27%)
Market implied 28.2%, PE stable at 8.4
Bear Case
$37.66
(-33%)
Severe decline -20.0%, PE contracts to 7.1
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 6.6 to 7.0
Stabilization Target:
$59.50
(+6.5%)
PE Expansion Potential:
+6.5%
Share & Embed Analysis
Last updated: October 02, 2026 6:42 AM ET
Data refreshes hourly during market hours. Next update: 7:42 AM
Data refreshes hourly during market hours. Next update: 7:42 AM
🔥 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
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Micah R Conrad
SELL
5000 shares
2026-04-17
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