Business Description
OneMain Holdings Inc
NAICS : 522291
SIC : 6141
ISIN : US68268W1036
Description
OneMain Holdings Inc is engaged in nonprime consumer finance companies in the United States and is one of only a few companies in the consumer installment lending industry. It formed after a transaction brought together two branch-based consumer finance companies with complementary strategies and locations. Its services include providing personal loan products, offering credit and noncredit insurance, servicing loans, pursuing strategic acquisitions and dispositions of assets and businesses, and on occasion, establishing joint ventures or forming strategic alliances. The company's one reportable segment is consumer and insurance. In addition to hundreds of branches, the company also has an online business. The main source of revenue is net interest income.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.02 | |||||
| Equity-to-Asset | 0.13 | |||||
| Debt-to-Equity | 6.59 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -2.81 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 7 | |||||
| 3-Year EPS without NRI Growth Rate | -1.2 | |||||
| 3-Year FCF Growth Rate | 8.4 | |||||
| 3-Year Book Growth Rate | 1.3 | |||||
| Future 3-5Y EPS without NRI Growth Rate Estimate | 18.24 | |||||
| Future 3-5Y Total Revenue Growth Rate Estimate | 6.86 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 63.31 | |||||
| 9-Day RSI | 61.94 | |||||
| 14-Day RSI | 59.61 | |||||
| 6-1 Month Momentum % | -8.11 | |||||
| 12-1 Month Momentum % | 23.04 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 7.97 | |||||
| Dividend Payout Ratio | 0.8 | |||||
| 3-Year Dividend Growth Rate | 5.2 | |||||
| Forward Dividend Yield % | 8.12 | |||||
| 5-Year Yield-on-Cost % | 7.97 | |||||
| 3-Year Average Share Buyback Ratio | 3.8 | |||||
| Shareholder Yield % | -14.5 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 12.31 | |||||
| FCF Margin % | 58.95 | |||||
| ROE % | 17.27 | |||||
| ROA % | 2.23 | |||||
| Years of Profitability over Past 10-Year | 9 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 11.2 | |||||
| Forward PE Ratio | 7.37 | |||||
| PE Ratio without NRI | 10 | |||||
| Shiller PE Ratio | 10.64 | |||||
| PS Ratio | 1.35 | |||||
| PB Ratio | 1.9 | |||||
| Price-to-Tangible-Book | 4.23 | |||||
| Price-to-Free-Cash-Flow | 2.3 | |||||
| Price-to-Operating-Cash-Flow | 2.3 | |||||
| EV-to-Revenue | 6.05 | |||||
| EV-to-Forward-Revenue | 9.14 | |||||
| EV-to-FCF | 10.21 | |||||
| Price-to-Projected-FCF | 0.23 | |||||
| Price-to-Median-PS-Value | 0.99 | |||||
| Price-to-Graham-Number | 1.37 | |||||
| FCF Yield % | 42.97 | |||||
| Forward Rate of Return (Yacktman) % | 37.42 |
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