OMF PE Ratio & Valuation,Is OMF Overvalued

OMF Relative Valuation

OMF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, OMF is overvalued; if below, it's undervalued.

Historical Valuation

OneMain Holdings Inc (OMF) is now in the Fair zone, suggesting that its current forward PE ratio of 9.12 is considered Fairly compared with the five-year average of 7.06. The fair price of OneMain Holdings Inc (OMF) is between 65.76 to 83.17 according to relative valuation methord.

Relative Value

Fair Zone

65.76-83.17

Current Price：67.35

Fair

9.12

0.00

EV/EBITDA

OneMain Holdings Inc. (OMF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

OneMain Holdings Inc. (OMF) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

1.55

OneMain Holdings Inc. (OMF) has a current PS of 1.55. The 5-year average PS is 1.34. The thresholds are as follows: Strongly Undervalued below 0.82, Undervalued between 0.82 and 1.08, Fairly Valued between 1.60 and 1.08, Overvalued between 1.60 and 1.86, and Strongly Overvalued above 1.86. The current Forward PS of 1.55 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

OneMain Holdings Inc. (OMF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

9.06

P/FCF

OneMain Holdings Inc. (OMF) has a current P/FCF of 9.06. The 5-year average P/FCF is 1.79. The thresholds are as follows: Strongly Undervalued below -4.91, Undervalued between -4.91 and -1.56, Fairly Valued between 5.14 and -1.56, Overvalued between 5.14 and 8.49, and Strongly Overvalued above 8.49. The current Forward P/FCF of 9.06 falls within the Strongly Overvalued range.

OneMain Holdings Inc (OMF) has a current Price-to-Book (P/B) ratio of 2.41. Compared to its 3-year average P/B ratio of 1.81 , the current P/B ratio is approximately 33.50% higher. Relative to its 5-year average P/B ratio of 1.86, the current P/B ratio is about 29.26% higher. OneMain Holdings Inc (OMF) has a Forward Free Cash Flow (FCF) yield of approximately 37.26%. Compared to its 3-year average FCF yield of 45.20%, the current FCF yield is approximately -17.56% lower. Relative to its 5-year average FCF yield of 42.06% , the current FCF yield is about -11.41% lower.

2.41

P/B

Median3y

1.81

Median5y

1.86

37.26

FCF Yield

Median3y

45.20

Median5y

42.06

Competitors Valuation Multiple

The average P/S ratio for OMF's competitors is 4.12, providing a benchmark for relative valuation. OneMain Holdings Inc Corp (OMF) exhibits a P/S ratio of 1.55, which is -62.41% above the industry average. Given its robust revenue growth of 8.81%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of OMF increased by 34.48% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 10.72 to 12.48.

The secondary factor is the P/E Change, contributed 9.25%to the performance.

Overall, the performance of OMF in the past 1 year is driven by Margin Expansion. Which is more sustainable.

8.81%

1.47B → 1.59B

Revenue Growth

16.42%

10.72 → 12.48

Margin Expansion

9.25%

10.67 → 11.66

P/E Change

34.48%

51.17 → 68.82

Mkt Cap Growth

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Frequently Asked Questions

Is OneMain Holdings Inc (OMF) currently overvalued or undervalued?

What is OneMain Holdings Inc (OMF) fair value?

OMF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of OneMain Holdings Inc (OMF) is between 65.76 to 83.17 according to relative valuation methord.

How does OMF's valuation metrics compare to the industry average?

What is the current P/B ratio for OneMain Holdings Inc (OMF) as of Dec 16 2025?

As of Dec 16 2025, OneMain Holdings Inc (OMF) has a P/B ratio of 2.41. This indicates that the market values OMF at 2.41 times its book value.

What is the current FCF Yield for OneMain Holdings Inc (OMF) as of Dec 16 2025?

As of Dec 16 2025, OneMain Holdings Inc (OMF) has a FCF Yield of 37.26%. This means that for every dollar of OneMain Holdings Inc’s market capitalization, the company generates 37.26 cents in free cash flow.

What is the current Forward P/E ratio for OneMain Holdings Inc (OMF) as of Dec 16 2025?

As of Dec 16 2025, OneMain Holdings Inc (OMF) has a Forward P/E ratio of 9.12. This means the market is willing to pay $9.12 for every dollar of OneMain Holdings Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for OneMain Holdings Inc (OMF) as of Dec 16 2025?

As of Dec 16 2025, OneMain Holdings Inc (OMF) has a Forward P/S ratio of 1.55. This means the market is valuing OMF at $1.55 for every dollar of expected revenue over the next 12 months.

OMF Valuation