OneMain Financial

OMF

Market cap $7.78B

OneMain Holdings remains a compelling buy, supported by robust fundamentals, prudent loan management, and attractive valuation. OMF's strategic mix of fixed-rate, secured loans and investment diversification mitigates macroeconomic risks and supports liquidity. Net interest income rose 24.5% YoY, with delinquency ratios improving despite loan base expansion, highlighting resilient credit quality.

New York City-based OCO Capital Partners sold 550,000 shares of OneMain Holdings in the third quarter, resulting in a full exit from the stock. The move resulted in a net position change of $31.35 million.

Florida-based Gator Capital Management sold 83,850 shares of OneMain Financial in the third quarter. The shares were worth an estimated $4.78 million.

Falling rates and easing standards are boosting consumer lenders, with ENVA, ALLY and OMF positioned to benefit from stronger loan demand into 2026.

OneMain Holdings is upgraded to 'Buy' as resilient credit performance and strong underwriting drive solid earnings growth. OMF's tighter credit standards and stress overlays have improved delinquencies, with legacy loans now just 8% of the portfolio. Loan receivables are projected to grow 6%-8%, and a large 2026 tax refund season should further stabilize credit metrics.

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OMF's 17.8% six-month rally highlights revenue gains, strong ROE and capital moves even as expenses and asset quality pressure growth.

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OneMain Holdings Inc. offers an attractive risk/reward profile by focusing on nonprime consumers, balancing higher rates with manageable delinquencies. OMF boasts a 7% dividend yield, consistent dividend growth, and a new $1 billion share repurchase program supporting shareholder returns and limiting downside. The stock trades at a significant valuation discount, with strong profitability, robust revenue and cash flow growth, and a solid balance sheet.