OMF Stock Analysis: Buy, Sell, or Hold?
OMF - OneMain Holdings, Inc.
$62.58
-0.82 (-1.29%)
▼
5d:
+4.75%
30d:
+3.63%
90d:
+6.48%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 29, 2026
0d
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:
💡 BUY OPPORTUNITY: OMF shows positive signals but monitor for confirmation. Market pricing in 1.7% growth. Moderate conviction.
💡 BUY OPPORTUNITY: OMF shows positive signals but monitor for confirmation. Market pricing in 1.7% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$107.06
Based on 12.7% avg growth
INTRINSIC VALUE TODAY
$66.48
5.9% 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 $62.58, which is considered extended relative to its 30-day fair value range of $58.70 to $61.28. The stock's valuation (Forward PE: 7.3) is in line with its historical norms (6.9). At these levels, the market is pricing in 1.7% annual earnings growth.
Technical Outlook: Technically, OMF is in a uptrend. Immediate support is located at $58.16, while resistance sits at $64.65.
Market Sentiment: OMF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $69.50 (+11.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, OMF is in a uptrend. Immediate support is located at $58.16, while resistance sits at $64.65.
Market Sentiment: OMF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $69.50 (+11.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$58.70 -
$61.28
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
62.9%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($69.50)
- BULLISH: Expecting earnings turnaround to 1.7% growth with -2.7% revenue growth
Trading Range Analysis
30-Day Trading Range
$58.70 -
$61.28
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$58.16
Resistance Level
$64.65
Current Trend
Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.28
Wall Street Target
$69.50
(+11.1%)
Revenue Growth (YoY)
-2.7%
Earnings Growth (YoY)
-6.2%
Profit Margin
25.9%
Valuation Premium vs History
+1.7% premium
PE vs Historical
7.3 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.7%
(market-implied from PE analysis)
1-Year Target
$63.64
(+2%)
2-Year Target
$64.73
(+3%)
3-Year Target
$65.83
(+5%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$62.41
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 21.4%)
$318.84
(+410%)
Base:
(SPY PE: 7.3, Growth: 21.4%)
$111.94
(+79%)
Bear:
(PE: 6.2, Growth: 21.4%)
$95.15
(+52%)
📈
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: 9.38 | Current EPS (TTM): $6.76
Bull Case
$88.70
(+42%)
Analyst growth 27.2%, PE expands to 10.3
Base Case
$80.64
(+29%)
Market implied 27.2%, PE stable at 9.4
Bear Case
$43.11
(-31%)
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: August 02, 2026 11:50 PM ET
Data refreshes hourly during market hours. Next update: 12:50 AM
Data refreshes hourly during market hours. Next update: 12:50 AM
🔥 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
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
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 |
$413 | 52 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$660 | 60 HOLD |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$257 | 55 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$91 | 58 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$58 | 49 HOLD |
