OneMain Holdings

OMF · NYSE

$56.02+$0.18 (+0.32%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $55.84

OMF analyst rating

BuyConsensus of 10 analysts over the last 12 months. 60% rate it a buy.

Strong buy0
Buy6
Hold3
Underperform1
Sell0

12-month price target · 16 analysts

Average $71.38 (+27.4% upside)

Low: $60.60
Now: $56.02
High: $89.25

Upgrades and downgrades

The latest rating actions, newest first

OMF analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
RBC Capital	Oct 16, 2026	Maintains	Outperform	$73.00 → $71.00	29%
JP Morgan	Oct 12, 2026	Maintains	Underweight	$60.00 → $52.00	56%
TD Cowen	Oct 6, 2026	Maintains	Buy	$68.00 → $66.00	51%
Evercore ISI Group	Oct 1, 2026	Maintains	In-Line	$66.00 → $60.00	49%
RBC Capital	Jul 30, 2026	Maintains	Outperform	$70.00 → $73.00	29%
Truist Securities	Jul 30, 2026	Maintains	Buy	$70.00 → $71.00	63%
Citizens	Jul 30, 2026	Maintains	Market Outperform	$68.00 → $70.00	59%
Barclays	Jul 7, 2026	Maintains	Equal-Weight	$61.00 → $60.00	30%
TD Cowen	Jul 7, 2026	Maintains	Buy	$66.00 → $68.00	51%
Evercore ISI Group	Jul 6, 2026	Maintains	In-Line	$58.00 → $66.00	49%

The case for and against

Updated Oct 14, 2026

Bull case

OneMain Holdings is viewed favorably because its hybrid branch-and-digital model and disciplined underwriting give it a durable edge in non-prime consumer lending, where management can originate, service, and cross-sell personal loans, auto finance, and credit cards while generating strong capital. Even with higher near-term charge-offs, elevated provisioning, and a growing card book that carries a 22.6% LLR ratio versus 11.1% for personal loans, the business still produced $3.104 billion of originations and $26.051 billion of managed receivables, while net leverage held at 5.4x. The outlook is also supported by improving delinquencies, a rolling off of pre-2022 tightening loans that should aid 2H credit, and the prospect of high ROTCE above 40% and meaningful shareholder returns as earnings normalize.

Bear case

OneMain Holdings is exposed to a weak risk profile because its non-prime borrower base is especially vulnerable to unemployment, inflation, interest rate volatility, and broader economic softness, which can quickly drive higher delinquencies and finance receivable losses. Its significant indebtedness and reliance on continued access to credit and capital make it more fragile if market conditions tighten or if debt ratings are downgraded, while rising provisions for losses would pressure earnings and reduce flexibility. Regulatory scrutiny, competitive pressure, cybersecurity disruptions, and the potential overhang from a protracted multi-state AG litigation further threaten funding costs, operations, and pricing power, reinforcing a negative fundamental outlook.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.