OneMain Holdings Inc
NYSE: OMF · FINANCIAL SERVICES · CREDIT SERVICES
Updated 2026-04-29
OneMain Holdings Inc (OMF) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for OMF.
Valued
Fundamentals support the current valuation. Strong combination of growth, quality, and price.
OMF historical valuation range
Where current P/E sits in OMF's own 5Y range.
OMF intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
OMF valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
Current: 8.83x
P/S Ratio — History
Current: 2.29x
Is OMF overvalued in 2026?
OneMain Holdings Inc (OMF) currently trades at $57.91 per share with a market capitalization of $6,817,855,000.00. Based on our multi-factor framework, the stock looks attractively valued with a Smart Value Score of 85/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
The stock trades at a P/E ratio of 8.8x, above its 5-year median of 8.8x. The PEG ratio of 0.75 suggests earnings growth is outpacing the multiple, a classic sign of undervaluation.
Looking at its own history, OMF is currently trading more expensive than 52% of the last 5Y on P/E. This places it in the 52th percentile of its historical range, a reasonable but unremarkable position.
A standard DCF model does not produce reliable output for OMF under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
The Piotroski F-Score of 5/9 puts financial quality in a middling range, neither a standout strength nor an obvious red flag.
Bottom line: OMF looks attractively valued on our framework, with a Smart Value Score of 85/100. The combination of reasonable price, healthy growth, and quality fundamentals makes it worth serious consideration.
Frequently asked questions
Is OMF overvalued in 2026?
Based on a Smart Value Score of 85/100, OMF is not overvalued. Fundamentals support the current price and offer reasonable margin of safety.
What is OMF's fair value?
Standard DCF is unreliable for OMF due to its current profitability profile. Revenue-based approaches such as EV/Sales or historical P/S percentile are more informative for this stock.
What P/E ratio does OMF trade at?
OMF trades at a P/E of 8.8x on trailing twelve-month earnings, compared to its 5-year median of 8.8x.
Is OMF a buy based on valuation?
WallStSmart does not issue buy or sell recommendations. Our Smart Value Score of 85/100 reflects the combined read on growth, quality, and price. The profile skews favorable for long-term accumulation.
How does OMF's valuation compare to its history?
On P/E, OMF currently sits in the 52th percentile of its own 5Y range. That is above its long-run median relative to where it has traded over the period.
What is OMF's Smart Value Score?
OMF's Smart Value Score is 85/100. The Smart Value Score is a proprietary WallStSmart metric blending growth quality, financial health, and valuation attractiveness into a single 0-100 read. Scores above 75 are rare and indicate strong multi-factor alignment.