OMF
OneMainANYSE / Financial Services
Last Price
At close
2026-07-21
Current thesis
If credit trends remain benign and originations stabilize, OneMain's high‑yield loan book and capital returns could justify upside toward the analyst high; acquisition of market share or sustained NIM expansion would support the bull outcome.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.2.
What can break
Analyst downgrades or consensus target cuts
Momentum
67
Value
61
Sentiment
65
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $70.60 · Bull $89.25 · Bear $55.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-22 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $68.21
Why
Momentum67 · Δ7d -1.7
Value61 · Δ7d +0.2
Sentiment65 · Δ7d -6.1
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
67
26% active weight
Current posture
7d trendSoftening
Δ7d
-1.7
Δ21d
-10.1
Value
61
39% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+0.2
Sentiment
65
34% active weight
Current posture
7d trendSoftening
Δ7d
-6.1
Δ21d
-0.5
Why this grade
Composite grade A. Momentum 66.9 / Value 60.5 / Sentiment 64.6
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$6.93B
Beta
1.30
Shares Out
115.53M
P/E (TTM)
11.9
P/S (TTM)
1.35
P/FCF (TTM)
3.28
Rev YoY
+5.7%
EPS YoY
+8.5%
Gross Margin
+84.1%
Op Margin
+14.9%
Net Debt
$21.08B
Current Ratio
53.78
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology