OneMain (OMF) Stock: Buy, Sell, or Hold?
OMF - OneMain Holdings, Inc.
$62.75
0.69 (1.11%)
▲
5d:
-2.83%
30d:
-2.94%
90d:
+10.63%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 30, 2026
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Interactive Price Chart (1 Month)
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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
$108.09
Based on 12.6% avg growth
INTRINSIC VALUE TODAY
$67.12
6.5% 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 7.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OMF is currently trading at $62.75, which is considered fair relative to its 30-day fair value range of $62.69 to $65.08. The stock's valuation (Forward PE: 7.3) is in line with its historical norms (7.0). At these levels, the market is pricing in 1.5% annual earnings growth.
Technical Outlook: Technically, OMF is in a strong uptrend. The price is currently testing key support at $61.00. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 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 $69.57 (+10.9%). 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 strong uptrend. The price is currently testing key support at $61.00. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 50/100 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 $69.57 (+10.9%). 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
FAIR
Historical Trading Range
$62.69 -
$65.08
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
73.3%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($69.57)
- BULLISH: Expecting earnings turnaround to 1.5% growth with -2.7% revenue growth
- NEUTRAL: Bottoming setup forming (50/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$62.69 -
$65.08
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$61.00
Resistance Level
$65.35
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.30
Wall Street Target
$69.57
(+10.9%)
Revenue Growth (YoY)
-2.7%
Earnings Growth (YoY)
-5.9%
Profit Margin
25.9%
Valuation Premium vs History
+1.5% premium
PE vs Historical
7.3 vs 7.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.5%
(market-implied from PE analysis)
1-Year Target
$63.69
(+2%)
2-Year Target
$64.65
(+3%)
3-Year Target
$65.62
(+5%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$62.90
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 21.2%)
$308.44
(+392%)
Base:
(SPY PE: 7.3, Growth: 21.2%)
$111.66
(+78%)
Bear:
(PE: 6.2, Growth: 21.2%)
$94.91
(+51%)
📈
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: 9.36 | Current EPS (TTM): $6.63
Bull Case
$88.49
(+41%)
Analyst growth 29.6%, PE expands to 10.3
Base Case
$80.44
(+28%)
Market implied 29.6%, PE stable at 9.4
Bear Case
$42.20
(-33%)
Severe decline -20.0%, PE contracts to 8.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 2:34 AM ET
Data refreshes hourly during market hours. Next update: 3:34 AM
Data refreshes hourly during market hours. Next update: 3:34 AM
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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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