ONEMAIN HOLDINGS INC (OMF) Stock Fundamental Analysis
USA - NYSE:OMF - US68268W1036 - Common Stock
57.87 USD
-0.36 (-0.62%)
57.87 USD
0 (0%)
Overall OMF gets a fundamental rating of 5 out of 10. We evaluated OMF against 55 industry peers in the Consumer Finance industry. OMF has an average financial health and profitability rating. OMF is valued quite cheap, while showing a decent growth score. This is a good combination! Finally OMF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year OMF was profitable.
In the past year OMF had a positive cash flow from operations.
OMF had positive earnings in each of the past 5 years.
Each year in the past 5 years OMF had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 2.49%, OMF perfoms like the industry average, outperforming 56.36% of the companies in the same industry.
With a decent Return On Equity value of 19.93%, OMF is doing good in the industry, outperforming 78.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 19.93% | ||
| ROIC | N/A |
ROA(3y)2.83%
ROA(5y)3.54%
ROE(3y)21.69%
ROE(5y)25.75%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OMF has a Profit Margin (11.05%) which is comparable to the rest of the industry.
OMF's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 15.10%, OMF is in the better half of the industry, outperforming 63.64% of the companies in the same industry.
In the last couple of years the Operating Margin of OMF has declined.
The Gross Margin of OMF (79.32%) is better than 70.91% of its industry peers.
In the last couple of years the Gross Margin of OMF has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.1% | ||
| PM (TTM) | 11.05% | ||
| GM | 79.32% |
OM growth 3Y-30.55%
OM growth 5Y-12.35%
PM growth 3Y-30.43%
PM growth 5Y-13.02%
GM growth 3Y-0.77%
GM growth 5Y-0.11%
2. Health
2.1 Basic Checks
OMF does not have a ROIC to compare to the WACC, probably because it is not profitable.
OMF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, OMF has less shares outstanding
OMF has a worse debt/assets ratio than last year.
2.2 Solvency
OMF has a debt to FCF ratio of 7.69. This is a slightly negative value and a sign of low solvency as OMF would need 7.69 years to pay back of all of its debts.
The Debt to FCF ratio of OMF (7.69) is comparable to the rest of the industry.
A Debt/Equity ratio of 6.63 is on the high side and indicates that OMF has dependencies on debt financing.
With a Debt to Equity ratio value of 6.63, OMF is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.63 | ||
| Debt/FCF | 7.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.08%
2.3 Liquidity
A Current Ratio of 2.91 indicates that OMF has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.91, OMF is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
A Quick Ratio of 2.91 indicates that OMF has no problem at all paying its short term obligations.
OMF has a better Quick ratio (2.91) than 78.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 |
3. Growth
3.1 Past
OMF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.95%.
Measured over the past years, OMF shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.16% on average per year.
The Revenue has grown by 9.39% in the past year. This is quite good.
The Revenue has been growing slightly by 3.65% on average over the past years.
EPS 1Y (TTM)2.95%
EPS 3Y-23.16%
EPS 5Y-6.16%
EPS Q2Q%42.16%
Revenue 1Y (TTM)9.39%
Revenue growth 3Y4.79%
Revenue growth 5Y3.65%
Sales Q2Q%10.85%
3.2 Future
The Earnings Per Share is expected to grow by 27.68% on average over the next years. This is a very strong growth
Based on estimates for the next years, OMF will show a quite strong growth in Revenue. The Revenue will grow by 11.82% on average per year.
EPS Next Y31.39%
EPS Next 2Y28.29%
EPS Next 3Y27.68%
EPS Next 5YN/A
Revenue Next Year8.54%
Revenue Next 2Y10.33%
Revenue Next 3Y11.82%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
OMF is valuated reasonably with a Price/Earnings ratio of 10.35.
Compared to the rest of the industry, the Price/Earnings ratio of OMF is on the same level as its industry peers.
OMF is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.19, the valuation of OMF can be described as very cheap.
OMF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OMF is cheaper than 72.73% of the companies in the same industry.
OMF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 7.19 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as OMF.
Based on the Price/Free Cash Flow ratio, OMF is valued a bit cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.4 | ||
| EV/EBITDA | 23.72 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as OMF's earnings are expected to grow with 27.68% in the coming years.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y28.29%
EPS Next 3Y27.68%
5. Dividend
5.1 Amount
OMF has a Yearly Dividend Yield of 7.38%, which is a nice return.
OMF's Dividend Yield is rather good when compared to the industry average which is at 4.52. OMF pays more dividend than 92.73% of the companies in the same industry.
OMF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.38% |
5.2 History
On average, the dividend of OMF grows each year by 6.78%, which is quite nice.
OMF has been paying a dividend for over 5 years, so it has already some track record.
The dividend of OMF decreased in the last 3 years.
Dividend Growth(5Y)6.78%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
75.72% of the earnings are spent on dividend by OMF. This is not a sustainable payout ratio.
The dividend of OMF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP75.72%
EPS Next 2Y28.29%
EPS Next 3Y27.68%
57.87
-0.36 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners92.2%
Inst Owner Change-9.36%
Ins Owners0.24%
Ins Owner Change-1.63%
Market Cap6.88B
Revenue(TTM)6.00B
Net Income(TTM)663.00M
Analysts80
Price Target66.38 (14.71%)
Short Float %5.05%
Short Ratio6.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.38% |
Yearly Dividend4.17
Dividend Growth(5Y)6.78%
DP75.72%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.82%
Min EPS beat(2)8.65%
Max EPS beat(2)17%
EPS beat(4)3
Avg EPS beat(4)8.74%
Min EPS beat(4)-0.04%
Max EPS beat(4)17%
EPS beat(8)7
Avg EPS beat(8)6.44%
EPS beat(12)9
Avg EPS beat(12)2.56%
EPS beat(16)12
Avg EPS beat(16)1.97%
Revenue beat(2)1
Avg Revenue beat(2)-2.37%
Min Revenue beat(2)-5.14%
Max Revenue beat(2)0.39%
Revenue beat(4)1
Avg Revenue beat(4)-2.95%
Min Revenue beat(4)-5.14%
Max Revenue beat(4)0.39%
Revenue beat(8)2
Avg Revenue beat(8)-1.41%
Revenue beat(12)5
Avg Revenue beat(12)8.33%
Revenue beat(16)9
Avg Revenue beat(16)15.93%
PT rev (1m)0%
PT rev (3m)2.55%
EPS NQ rev (1m)-0.57%
EPS NQ rev (3m)5.04%
EPS NY rev (1m)-0.53%
EPS NY rev (3m)4.08%
Revenue NQ rev (1m)2.56%
Revenue NQ rev (3m)9.93%
Revenue NY rev (1m)3.86%
Revenue NY rev (3m)-1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 7.19 | ||
| P/S | 1.15 | ||
| P/FCF | 2.4 | ||
| P/OCF | 2.4 | ||
| P/B | 2.07 | ||
| P/tB | 4.39 | ||
| EV/EBITDA | 23.72 |
EPS(TTM)5.59
EY9.66%
EPS(NY)8.05
Fwd EY13.91%
FCF(TTM)24.13
FCFY41.69%
OCF(TTM)24.13
OCFY41.69%
SpS50.48
BVpS27.98
TBVpS13.18
PEG (NY)0.33
PEG (5Y)N/A
Graham Number59.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 19.93% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 15.1% | ||
| PM (TTM) | 11.05% | ||
| GM | 79.32% | ||
| FCFM | 47.8% |
ROA(3y)2.83%
ROA(5y)3.54%
ROE(3y)21.69%
ROE(5y)25.75%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.84%
ROCE(5y)4.87%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-30.55%
OM growth 5Y-12.35%
PM growth 3Y-30.43%
PM growth 5Y-13.02%
GM growth 3Y-0.77%
GM growth 5Y-0.11%
F-Score6
Asset Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.63 | ||
| Debt/FCF | 7.69 | ||
| Debt/EBITDA | 18.55 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 241.21% | ||
| Profit Quality | 432.58% | ||
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 | ||
| Altman-Z | N/A |
F-Score6
WACC7.08%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)398.37%
Profit Quality(5y)333.82%
High Growth Momentum
Growth
EPS 1Y (TTM)2.95%
EPS 3Y-23.16%
EPS 5Y-6.16%
EPS Q2Q%42.16%
EPS Next Y31.39%
EPS Next 2Y28.29%
EPS Next 3Y27.68%
EPS Next 5YN/A
Revenue 1Y (TTM)9.39%
Revenue growth 3Y4.79%
Revenue growth 5Y3.65%
Sales Q2Q%10.85%
Revenue Next Year8.54%
Revenue Next 2Y10.33%
Revenue Next 3Y11.82%
Revenue Next 5YN/A
EBIT growth 1Y16.75%
EBIT growth 3Y-27.23%
EBIT growth 5Y-9.16%
EBIT Next Year-43.21%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.87%
FCF growth 3Y6.3%
FCF growth 5Y2.7%
OCF growth 1Y16.87%
OCF growth 3Y6.3%
OCF growth 5Y2.7%
ONEMAIN HOLDINGS INC / OMF FAQ
What is the fundamental rating for OMF stock?
ChartMill assigns a fundamental rating of 5 / 10 to OMF.
What is the valuation status for OMF stock?
ChartMill assigns a valuation rating of 7 / 10 to ONEMAIN HOLDINGS INC (OMF). This can be considered as Undervalued.
Can you provide the profitability details for ONEMAIN HOLDINGS INC?
ONEMAIN HOLDINGS INC (OMF) has a profitability rating of 4 / 10.
What is the valuation of ONEMAIN HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ONEMAIN HOLDINGS INC (OMF) is 10.35 and the Price/Book (PB) ratio is 2.07.
What is the expected EPS growth for ONEMAIN HOLDINGS INC (OMF) stock?
The Earnings per Share (EPS) of ONEMAIN HOLDINGS INC (OMF) is expected to grow by 31.39% in the next year.