OneMain Holdings, Inc. (OMF) intrinsic value & 10-year financials
OneMain Holdings, Inc. (OMF) has a Graham intrinsic value of $217.89 per share. At $55.95 on Oct 17, 2026, the stock trades 74% below that value. Over the last 10 fiscal years revenue shrank 0.1% a year to $445.0M, with an average return on invested capital of 3.2%.
- Graham intrinsic value
- $217.89
- Share price (Oct 17, 2026)
- $55.95
- Price vs Graham value
- 74% below
- Market cap
- $6.7B
- Revenue (FY2025)
- $445.0M
- Revenue growth (10-yr CAGR)
- -0.1%
- ROIC (10-yr avg)
- 3.2%
- Free cash flow (FY2025)
- —
OMF 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $445.0M | $783.0M | $6.56 | — | — | 3.2% |
| FY2024 | $445.0M | $509.0M | $4.24 | — | — | 2.2% |
| FY2023 | $448.0M | $641.0M | $5.32 | — | — | 3.0% |
| FY2022 | $445.0M | $878.0M | $7.06 | — | — | 4.3% |
| FY2021 | $434.0M | $1.3B | $9.87 | — | — | 6.7% |
| FY2020 | $443.0M | $730.0M | $5.41 | — | — | 3.7% |
| FY2019 | $460.0M | $855.0M | $6.27 | — | — | 4.4% |
| FY2018 | $429.0M | $447.0M | $3.29 | — | — | 2.5% |
| FY2017 | $420.0M | $183.0M | $1.35 | — | — | 1.1% |
| FY2016 | $449.0M | $215.0M | $1.59 | — | — | 1.3% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
OneMain Holdings, Inc. is facing top-line stagnation, with revenue contracting over the decade.
OneMain Holdings, Inc. has historically struggled to out-earn its cost of capital, averaging just 3.2% ROIC.
Over the decade, OneMain Holdings, Inc. shows that management has aggressively returned capital to shareholders by retiring 11.7% of outstanding shares, and that the company has leveraged its balance sheet to sustain operations.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, OneMain Holdings, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $217.89 per share.