B+
Bull case
25%
Probability
Target price
$77.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
OMF
OneMainBNYSE / Financial Services
Last Price
Quote time unavailable
Current thesis
The official Q2 filing confirms solid volume and receivables growth, improving credit-performance commentary, rising capital generation, and continued shareholder returns. Secondary Zacks coverage reported adjusted C&I EPS of $1.31 matching consensus and noted a 1.1% share gain after the release.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.0.
What can break
Credit losses and provisions remain elevated relative to the prior year.
Momentum
71
Value
60
Sentiment
69
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $69.50 · Bull $77.00 · Bear $54.00Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $69.57
Why
Momentum71 · Δ7d +7.7
Value60 · Δ7d 0.0
Sentiment69 · Δ7d +2.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +2.0.
Contradictions & invalidation
- • Credit losses and provisions remain elevated relative to the prior year.
- • GAAP and adjusted EPS declined year over year despite revenue and receivables growth.
- • Provision expense rose to $610 million, C&I net charge-offs remained above the prior-year level, allowance coverage increased to roughly 11.6%, and EPS declined year over year.
Catalyst clock
2026-07-29
Q2 growth offset by credit-cost pressure
Lead driver: Sentiment · See AI snapshot
Momentum
71
9% active weight
Current posture
7d trendImproving
Δ7d
+7.7
Δ21d
-8.0
Value
60
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.1
Sentiment
69
62% active weight
Current posture
7d trendImproving
Δ7d
+2.0
Δ21d
+5.0
Why this grade
Composite grade B. Momentum 71.2 / Value 59.9 / Sentiment 68.7
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$69.50
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$54.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$7.49B
Beta
1.30
Shares Out
115.04M
P/E (TTM)
11.9
P/S (TTM)
1.35
P/FCF (TTM)
3.28
Rev YoY
+5.8%
EPS YoY
-6.1%
Gross Margin
+84.2%
Op Margin
+44.1%
Net Debt
$21.08B
Current Ratio
53.78
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data