Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

OneMain Holdings, Inc.
Next earnings Jul 23, 2026 (before open) · consensus $1.42 EPS, $1.25B rev
Last earnings -3.7% on 2026-05-01
Nonprime lender with rebounding earnings (+54%), 23% ROE and a fat dividend, trading at just 8.9x — value with credit-cycle risk.
Sources: SEC EDGAR (CIK 0001584207, latest 10-Q filed 2026-05-01) · EODHD · analysis by claude-code · as of 6/21/2026, 8:54:12 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Quality fundamentals and an attractive price line up (~326% below fair value) — the rarer case where both the business and the entry look good.
OneMain is the largest U.S. nonprime consumer lender, with about $26.3 billion of managed receivables across 3.8 million customer accounts in personal loans, auto finance and the growing BrightWay credit card, served through 1,300+ branches in 48 states. FY2025 was a strong rebound: net income rose 53.8% to $783M and diluted EPS jumped 54.7% to $6.56 as credit costs normalized off the post-pandemic peak. Returns are high — a 23.0% ROE — and the business is cash-generative, producing $3.13B of operating cash flow that comfortably funds a $499M dividend (roughly an 8% yield at $58.18) plus $141M of buybacks.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
Unlock with Pro€15/mo · cancel anytime
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $1.31B | $872M | $641M | $509M | $783M |
| Diluted EPS | $9.88 | $7.01 | $5.32 | $4.24 | $6.56 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1482 tracked peers · median
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Last 90 days: 0 open-market buys · 1 sale
| 2026-04-17 | Conrad Micah R. EVP & COO | Sell | 5.00K @ $60.00 | $300K |
| 2026-02-26 | Conrad Micah R. EVP & COO | Sell | 5.00K @ $58.00 | $290K |
| 2026-02-20 | Shulman Douglas H. President & CEO | Tax | 17.2K @ $57.53 | $987K |
| 2026-02-20 | Shulman Douglas H. President & CEO | Tax | 11.3K @ $57.53 | $648K |
| 2026-02-20 | Shulman Douglas H. President & CEO | Tax | 11.4K @ $57.53 | $658K |
| 2026-02-20 | Hedlund Michael A pao, SVP and Group Controller | Tax | 1.04K @ $57.53 | $59.8K |
| 2026-02-20 | Hedlund Michael A pao, SVP and Group Controller | Tax | 875.00 @ $57.53 | $50.3K |
| 2026-02-20 | Hedlund Michael A pao, SVP and Group Controller | Tax | 438.00 @ $57.53 | $25.2K |
| 2026-02-20 | Hedlund Michael A pao, SVP and Group Controller | Tax | 387.00 @ $57.53 | $22.3K |
| 2026-02-20 | Hedlund Michael A pao, SVP and Group Controller | Tax | 383.00 @ $57.53 | $22.0K |
| 2026-02-20 | Conrad Micah R. EVP & COO | Tax | 4.46K @ $57.53 | $257K |
| 2026-02-20 | Conrad Micah R. EVP & COO | Tax | 2.65K @ $57.53 | $152K |
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.