OneMain Holdings, Inc. (OMF)

OneMain Holdings stock has shown positive momentum, increasing by 15.5% over the past six months. The company's third-quarter 2025 results exceeded expectations, with $1.90 EPS and $1.6 billion in revenue. OneMain increased its quarterly dividend to $1.05 per share and has been actively repurchasing shares. Analysts have reiterated or upgraded their ratings on OMF, with a consensus rating of 'Moderate Buy'.

Demand for OneMain Holdings' personal loans typically exhibits seasonality, with lower demand in January and February and lower delinquencies in the first and second quarters. Delinquencies tend to rise throughout the remainder of the year. The company anticipates that the yield on its receivables may moderate in the second half of the year due to typical seasonality of 90-plus delinquencies and growth in its auto portfolio.

OneMain Holdings, Inc. is an American financial services holding company focused on consumer finance and insurance. It specializes in personal loans to non-prime customers, offering secured and unsecured loans from $1,500 to $20,000 with flexible repayment terms through digital and physical branches. OneMain also provides credit cards through a third-party bank, optional insurance products, ancillary products like GAP coverage, and digital financial tools such as 'Trim by OneMain'.

OneMain Holdings, Inc. operates throughout the United States with over 1,400 branches nationwide, complemented by central operations, digital affiliates, and its website. Its headquarters are located in Evansville, Indiana.

OneMain Holdings' brand reputation appears stable to positive, supported by its financial performance and strategic initiatives. The company focuses on responsible lending, customer-centric service, and financial wellness initiatives like 'Trim by OneMain'. Analyst confidence and positive price target adjustments also contribute to a favorable brand perception.

OneMain Holdings, Inc. is primarily controlled by institutional investors, accounting for approximately 81% to 98.5% of the company's stock. Major institutional owners include Vanguard Group Inc., Capital International Investors, and BlackRock, Inc. Individual insider ownership is minimal, and retail/public investors hold around 13.78% to 22.29% of the shares.