OMF Stock Analysis: Buy, Sell, or Hold?
OMF - OneMain Holdings, Inc.
$53.52
-0.43 (-0.80%)
▼
5d:
-4.58%
30d:
-7.16%
90d:
-5.96%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: May 01, 2026
0d
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1 traders called OMF this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: OMF trading at deep discount. Market pricing in -4.2% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: OMF trading at deep discount. Market pricing in -4.2% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$104.84
Based on 11.6% avg growth
INTRINSIC VALUE TODAY
$65.10
17.8% 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 7.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OMF is currently trading at $53.52, which is considered oversold relative to its 30-day fair value range of $54.43 to $58.78. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.2) compared to its historical average (7.0). Remarkably, the market is currently pricing in an annual earnings decline of 4.2% 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 strong downtrend. Immediate support is located at $51.62, while resistance sits at $57.02.
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 $67.79 (+25.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, OMF is in a strong downtrend. Immediate support is located at $51.62, while resistance sits at $57.02.
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 $67.79 (+25.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$54.43 -
$58.78
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 25.6% below Wall St target ($67.79)
Trading Range Analysis
30-Day Trading Range
$54.43 -
$58.78
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$51.62
Resistance Level
$57.02
Current Trend
Strong Downtrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.20
Wall Street Target
$67.79
(+25.6%)
Revenue Growth (YoY)
9.1%
Earnings Growth (YoY)
8.4%
Profit Margin
26.2%
Valuation Discount vs History
-4.2% cheaper
PE vs Historical
6.2 vs 7.0
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.2%
(market-implied from PE analysis)
1-Year Target
$51.68
(-4%)
2-Year Target
$49.51
(-8%)
3-Year Target
$47.43
(-12%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$53.56
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.0, Growth: 19.2%)
$325.03
(+503%)
Base:
(SPY PE: 6.2, Growth: 19.2%)
$91.42
(+70%)
Bear:
(PE: 5.3, Growth: 19.2%)
$77.71
(+44%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 8.07 | Current EPS (TTM): $6.71
Bull Case
$77.27
(+43%)
Analyst growth 29.7%, PE expands to 8.9
Base Case
$70.24
(+30%)
Market implied 29.7%, PE stable at 8.1
Bear Case
$36.83
(-32%)
Severe decline -20.0%, PE contracts to 6.9
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 6.2 to 7.0
Stabilization Target:
$60.92
(+12.9%)
PE Expansion Potential:
+12.9%
Share & Embed Analysis
Last updated: May 15, 2026 4:27 PM ET
Data refreshes hourly during market hours. Next update: 5:27 PM
Data refreshes hourly during market hours. Next update: 5:27 PM
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Technical Signals Check
Is OMF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Micah R Conrad
SELL
5000 shares
2026-04-17
Micah R Conrad
SELL
5000 shares
2026-02-26
Douglas H Shulman
SELL
57500 shares
2026-01-02
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