OMF Stock Analysis: Buy, Sell, or Hold?
OMF - OneMain Holdings, Inc.
$65.54
-0.56 (-0.85%)
ā¼
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Feb 05, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
ā BUY SIGNAL: OMF shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
ā BUY SIGNAL: OMF shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$113.34
Based on 11.9% avg growth
INTRINSIC VALUE TODAY
$70.38
6.9% 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 8.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OMF is currently trading at $65.54, which is considered oversold relative to its 30-day fair value range of $65.07 to $69.79. The stock's valuation (Forward PE: 8.3) is in line with its historical norms (8.2). At these levels, the market is pricing in 0.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, OMF is in a strong uptrend. The price is approaching resistance at $66.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $74.79 (+13.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, OMF is in a strong uptrend. The price is approaching resistance at $66.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $74.79 (+13.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$65.07 -
$69.79
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($74.79)
- NEUTRAL: Market pricing in 0.5% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$65.07 -
$69.79
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$63.24
Resistance Level
$66.50
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
8.34
Wall Street Target
$74.79
(+13.1%)
Revenue Growth (YoY)
20.6%
Earnings Growth (YoY)
27.5%
Profit Margin
24.4%
Valuation Premium vs History
+0.5% premium
PE vs Historical
8.3 vs 8.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.5%
(market-implied from PE analysis)
1-Year Target
$66.43
(+1%)
2-Year Target
$66.76
(+1%)
3-Year Target
$67.10
(+2%)
3-Yr Target (if PE normalizes)
(PE: 8ā8)
PE COMPRESSION
$65.99
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 19.8%)
$304.13
(+360%)
Base:
(SPY PE: 8.3, Growth: 19.8%)
$113.72
(+72%)
Bear:
(PE: 7.1, Growth: 19.8%)
$96.66
(+46%)
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Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 11.03 | Current EPS (TTM): $5.90
Bull Case
$96.14
(+47%)
Analyst growth 34.4%, PE expands to 12.1
Base Case
$87.40
(+33%)
Market implied 34.4%, PE stable at 11.0
Bear Case
$44.23
(-33%)
Severe decline -20.0%, PE contracts to 9.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 31, 2026 1:03 AM ET
Data refreshes hourly during market hours. Next update: 2:03 AM
Data refreshes hourly during market hours. Next update: 2:03 AM
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Technical Signals Check
Is OMF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Professional options setups generated by AI based on today's OMF price and gamma walls.
