OMF Stock Analysis: Buy, Sell, or Hold?
OMF - OneMain Holdings, Inc.
$59.50
-0.89 (-1.47%)
▼
5d:
-0.65%
30d:
+9.13%
90d:
+10.14%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 24, 2026
19d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: OMF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: OMF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$103.22
Based on 11.8% avg growth
INTRINSIC VALUE TODAY
$64.09
7.2% 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 6.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OMF is currently trading at $59.50, which is considered extended relative to its 30-day fair value range of $53.98 to $58.68. The stock's valuation (Forward PE: 6.9) is in line with its historical norms (6.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% over the next few years. This pessimistic expectation contrasts with the company's recent 8.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, OMF is in a downtrend. The price is approaching resistance at $56.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: OMF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $67.57 (+13.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, OMF is in a downtrend. The price is approaching resistance at $56.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: OMF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $67.57 (+13.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$53.98 -
$58.68
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
59.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($67.57)
Trading Range Analysis
30-Day Trading Range
$53.98 -
$58.68
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$53.33
Resistance Level
$56.40
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.89
Wall Street Target
$67.57
(+13.6%)
Revenue Growth (YoY)
9.1%
Earnings Growth (YoY)
8.4%
Profit Margin
26.2%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
6.9 vs 6.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$59.44
(0%)
2-Year Target
$59.38
(0%)
3-Year Target
$59.32
(0%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$59.40
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 19.5%)
$321.23
(+440%)
Base:
(SPY PE: 6.9, Growth: 19.5%)
$101.62
(+71%)
Bear:
(PE: 5.9, Growth: 19.5%)
$86.38
(+45%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 9.00 | Current EPS (TTM): $6.71
Bull Case
$85.49
(+44%)
Analyst growth 28.7%, PE expands to 9.9
Base Case
$77.72
(+31%)
Market implied 28.7%, PE stable at 9.0
Bear Case
$41.07
(-31%)
Severe decline -20.0%, PE contracts to 7.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.9 to 6.9
Stabilization Target:
$59.58
(+0.1%)
PE Expansion Potential:
+0.1%
Share & Embed Analysis
Last updated: July 03, 2026 8:29 PM ET
Data refreshes hourly during market hours. Next update: 9:29 PM
Data refreshes hourly during market hours. Next update: 9:29 PM
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| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is OMF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Micah R Conrad
SELL
5000 shares
2026-04-17
Micah R Conrad
SELL
5000 shares
2026-02-26
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