One Main Holdings, Inc. - Understand $omf stock

$OMF Market Cap: $6.833 Billion

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Financial Snapshot

Revenue

$5.228B

TTM

Gross Margin

88.17%

TTM

Net Earnings

$548.0M

TTM

Current Assets

$577.0M

Q3 2024

Current Liabilities

Current Ratio

Total Assets

$25.58B

Q3 2024

Total Liabilities

$22.37B

Q3 2024

Book Value

$3.208B

Q3 2024

Cash

$577.0M

Q3 2024

P/E

12.47

Nov 29, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$5.299B	$4.435B	$4.364B	$4.368B	$4.127B	$3.658B	$3.196B	$3.110B	$1.930B	$1.973B	$2.141B	$1.715B	$1.871B	$2.126B	$2.261B
YoY Change	19.48%	1.63%	-0.09%	5.84%	12.82%	14.46%	2.77%	61.14%	-2.18%	-7.85%	24.85%	-8.36%	-12.0%	-5.96%	-18.7%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$5.299B	$4.435B	$4.364B	$4.368B	$4.127B	$3.658B	$3.196B	$3.110B	$1.930B	$1.973B	$2.141B	$1.715B	$1.871B	$2.126B	$2.261B
Cost Of Revenue	$1.019B	$150.0M	$176.0M	$242.0M	$185.0M	$192.0M	$184.0M	$167.0M	$96.00M	$75.00M	$65.00M	$60.68M	$1.285B	$1.115B	$1.091B
Gross Profit	$4.280B	$4.285B	$4.188B	$4.126B	$3.942B	$3.466B	$3.012B	$2.943B	$1.834B	$1.898B	$2.076B	$1.654B	$717.3M	$1.011B	$1.170B
Gross Profit Margin	80.77%	96.62%	95.97%	94.46%	95.52%	94.75%	94.24%	94.63%	95.03%	96.2%	96.96%	96.46%	38.33%	47.55%	51.74%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Selling, General & Admin	$855.0M	$836.0M	$839.0M	$756.0M	$808.0M	$903.0M	$757.0M	$788.0M	$485.0M	$359.8M	$463.9M	$320.2M	$359.7M	$421.4M
YoY Change	2.27%	-0.36%	10.98%	-6.44%	-10.52%	19.29%	-3.93%	62.47%	34.8%	-22.44%	44.88%	-10.98%	-14.64%
% of Gross Profit	19.98%	19.51%	20.03%	18.32%	20.5%	26.05%	25.13%	26.78%	26.44%	18.96%	22.35%	19.36%	50.15%	41.68%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$257.0M	$262.0M	$264.0M	$264.0M	$271.0M	$289.0M	$328.0M	$521.0M	$198.0M	$34.70M		$165.2M	$274.8M
YoY Change	-1.91%	-0.76%	0.0%	-2.58%	-6.23%	-11.89%	-37.04%	163.13%	470.61%			-39.88%
% of Gross Profit	6.0%	6.11%	6.3%	6.4%	6.87%	8.34%	10.89%	17.7%	10.8%	1.83%		9.99%	38.31%
Operating Expenses	$3.440B	$3.009B	$2.217B	$2.890B	$2.681B	$2.679B	$2.440B	$2.563B	$1.641B	$1.176B	$1.310B	$1.019B	$1.088B	$1.282B	$2.079B
YoY Change	14.32%	35.72%	-23.29%	7.8%	0.07%	9.8%	-4.8%	56.19%	39.59%	-10.25%	28.56%	-6.36%	-15.13%	-38.33%	-16.09%
Operating Profit	$840.0M	$1.276B	$1.971B	$1.236B	$1.261B	$787.0M	$572.0M	$380.0M	$193.0M	$722.4M	$766.1M	$635.2M	-$370.8M	-$271.0M	-$909.1M
YoY Change	-34.17%	-35.26%	59.47%	-1.98%	60.23%	37.59%	50.53%	96.89%	-73.28%	-5.7%	20.6%	-271.31%	36.83%	-70.19%	-4.38%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Pretax Income	$840.0M	$1.163B	$1.741B	$977.0M	$1.098B	$610.0M	$416.0M	$338.0M	-$238.0M	$859.0M	$161.0M	-$305.4M	-$360.1M	$1.198B	-$909.2M
YoY Change	-27.77%	-33.2%	78.2%	-11.02%	80.0%	46.63%	23.08%	-242.02%	-127.71%	433.54%	-152.72%	-15.21%	-130.06%	-231.79%	-4.37%
Income Tax	$199.0M	$285.0M	$427.0M	$247.0M	$243.0M	$177.0M	$248.0M	$113.0M	-$133.0M	$272.0M	$0.00	-$87.67M	-$118.4M	-$252.1M	-$431.5M
% Of Pretax Income	23.69%	24.51%	24.53%	25.28%	22.13%	29.02%	59.62%	33.43%		31.66%	0.0%			-21.04%
Net Earnings	$641.0M	$878.0M	$1.314B	$730.0M	$855.0M	$447.0M	$183.0M	$215.0M	-$220.0M	$463.0M	$157.0M	-$217.7M	-$241.7M	$1.450B	-$477.7M
YoY Change	-26.99%	-33.18%	80.0%	-14.62%	91.28%	144.26%	-14.88%	-197.73%	-147.52%	194.9%	-172.12%	-9.94%	-116.67%	-403.58%	-64.5%
Net Earnings / Revenue	12.1%	19.8%	30.11%	16.71%	20.72%	12.22%	5.73%	6.91%	-11.4%	23.47%	7.33%	-12.7%	-12.92%	68.2%	-21.13%
Basic Earnings Per Share	$5.33	$7.07	$9.90	$5.42	$6.28	$3.29	$1.35	$1.60	-$1.72	$4.03	$0.07	-$2.18
Diluted Earnings Per Share	$5.32	$7.06	$9.87	$5.41	$6.27	$3.29	$1.35	$1.59	-$1.72	$4.02	$0.07	-$2.18	-$2.417M	$14.50M	-$4.777M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Cash & Short-Term Investments	$1.014B	$498.0M	$541.0M	$2.272B	$1.227B	$679.0M	$987.0M	$579.0M	$939.0M	$879.0M	$431.0M	$1.554B	$690.0M
YoY Change	103.61%	-7.95%	-76.19%	85.17%	80.71%	-31.21%	70.47%	-38.34%	6.83%	103.94%	-72.27%	125.22%
Cash & Equivalents	$1.014B	$498.0M	$541.0M	$2.272B	$1.227B	$679.0M	$987.0M	$579.0M	$939.0M	$879.0M	$431.0M	$1.554B	$690.0M
Short-Term Investments
Other Short-Term Assets						$121.0M	$109.0M	$97.00M	$59.00M	$26.00M
YoY Change						11.01%	12.37%	64.41%	126.92%
Inventory
Prepaid Expenses
Receivables												-$180.0M	-$72.00M
Other Receivables												$11.81B	$13.17B
Total Short-Term Assets	$1.014B	$498.0M	$554.0M	$2.272B	$1.227B	$800.0M	$1.096B	$708.0M	$1.040B	$1.010B	$431.0M	$13.19B	$13.79B
YoY Change	103.61%	-10.11%	-75.62%	85.17%	53.38%	-27.01%	54.8%	-31.92%	2.97%	134.34%	-96.73%	-4.37%
Property, Plant & Equipment	$165.0M	$152.0M	$140.0M	$153.0M	$163.0M	$133.0M	$144.0M	$167.0M	$179.0M	$91.00M
YoY Change	8.55%	8.57%	-8.5%	-6.13%	22.56%	-7.64%	-13.77%	-6.7%	96.7%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$1.719B	$1.800B	$1.992B	$1.922B	$1.884B	$1.723B	$1.737B	$1.827B	$1.970B	$3.039B	$582.0M	$889.0M	$1.045B
YoY Change	-4.5%	-9.64%	3.64%	2.02%	9.34%	-0.81%	-4.93%	-7.26%	-35.18%	422.16%	-34.53%	-14.93%
Other Assets	$534.0M	$461.0M	$476.0M	$451.0M	$405.0M	$630.0M	$644.0M	$748.0M	$771.0M	$218.0M	$536.0M	$158.0M	$66.00M
YoY Change	15.84%	-3.15%	5.54%	11.36%	-35.71%	-2.17%	-13.9%	-2.98%	253.67%	-59.33%	239.24%	139.39%
Total Long-Term Assets	$23.28B	$22.04B	$21.53B	$20.20B	$21.59B	$19.29B	$18.34B	$17.42B	$20.15B	$9.802B	$14.97B	$1.487B	$1.706B
YoY Change	5.65%	2.37%	6.56%	-6.44%	11.92%	5.2%	5.29%	-13.57%	105.57%	-34.53%	906.86%	-12.84%
Total Assets	$24.29B	$22.53B	$22.08B	$22.47B	$22.82B	$20.09B	$19.43B	$18.12B	$21.19B	$10.81B	$15.40B	$14.67B	$15.50B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$173.0M	$161.0M	$151.0M	$165.0M	$176.0M	$326.0M	$256.0M	$228.0M	$239.0M	$124.0M		$284.0M	$405.0M
YoY Change	7.45%	6.62%	-8.48%	-6.25%	-46.01%	27.34%	12.28%	-4.6%	92.74%			-29.88%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$5.000M	$0.00	$0.00	$0.00
YoY Change									-100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$173.0M	$161.0M	$151.0M	$165.0M	$176.0M	$326.0M	$256.0M	$228.0M	$239.0M	$129.0M		$284.0M	$405.0M
YoY Change	7.45%	6.62%	-8.48%	-6.25%	-46.01%	27.34%	12.28%	-4.6%	85.27%			-29.88%
Long-Term Debt	$19.81B	$18.28B	$17.75B	$17.80B	$17.21B	$15.18B	$15.05B	$13.96B	$17.30B	$8.356B	$12.77B	$12.60B	$13.07B
YoY Change	8.38%	2.99%	-0.28%	3.42%	13.4%	0.85%	7.82%	-19.31%	107.04%	-34.56%	1.37%	-3.62%
Other Long-Term Liabilities	$1.286B	$1.218B	$1.084B	$1.020B	$1.065B	$742.0M	$804.0M	$861.0M	$892.0M	$338.0M	$602.0M	$593.0M	$657.0M
YoY Change	5.58%	12.36%	6.27%	-4.23%	43.53%	-7.71%	-6.62%	-3.48%	163.91%	-43.85%	1.52%	-9.74%
Total Long-Term Liabilities	$21.10B	$19.50B	$18.83B	$18.82B	$18.28B	$15.92B	$15.85B	$14.82B	$18.19B	$8.694B	$13.37B	$13.19B	$13.73B
YoY Change	8.21%	3.53%	0.07%	2.97%	14.81%	0.42%	6.98%	-18.54%	109.25%	-34.98%	1.37%	-3.91%
Total Liabilities	$21.11B	$19.50B	$18.99B	$19.03B	$18.49B	$16.29B	$16.16B	$15.06B	$18.38B	$8.787B	$13.86B	$13.47B	$14.13B
YoY Change	8.22%	2.73%	-0.23%	2.94%	13.48%	0.84%	7.29%	-18.08%	109.18%	-36.62%	2.89%	-4.66%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Basic Shares Outstanding	120.4M shares	124.2M shares	132.7M shares	134.7M shares	136.1M shares	135.7M shares	135.2M shares	134.7M shares	127.9M shares	114.8M shares	102.9M shares	100.0M shares
Diluted Shares Outstanding	120.6M shares	124.4M shares	133.1M shares	134.9M shares	136.3M shares	136.0M shares	135.7M shares	135.1M shares	127.9M shares	115.3M shares	103.0M shares	100.0M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $6.8329 Billion

About OneMain Holdings, Inc.

OneMain Holdings, Inc. is a consumer finance company, which engages in the origination, underwriting, and servicing of personal loans, primarily to non-prime customers. The company is headquartered in Evansville, Indiana and currently employs 9,100 full-time employees. The company went IPO on 2013-10-16. The firm provides personal loan products; offers credit cards; offers optional credit insurance and other; offers a customer-focused financial wellness program, and acquisitions and dispositions of assets and businesses. The company provides origination, underwriting, and servicing of personal loans, primarily to nonprime customers. In addition, the Company offers two credit cards, BrightWay and BrightWay+, through a third-party bank partner. The firm offers optional credit insurance products, such as credit life insurance, which provides for payment to the lender of the finance receivable in the event of the borrower’s death; credit disability insurance, which provides scheduled monthly loan payments to the lender during borrower’s disability due to illness or injury, and credit involuntary unemployment insurance, which provides scheduled monthly loan payments to the lender during borrower’s involuntary unemployment.

Industry: Personal Credit Institutions Peers: Ally Financial Inc. AMERICAN EXPRESS CO CREDIT ACCEPTANCE CORP FirstCash Holdings, Inc. NELNET INC NAVIENT CORP SLM Corp SoFi Technologies, Inc. Synchrony Financial