
OneMain Hld (OMF) Stock Forecast & Price Target
OneMain Hld (OMF) Analyst Ratings
Bulls say
OneMain Holdings Inc reported slightly better-than-expected results for 4Q24, indicating a resilient financial performance amidst challenging market conditions. The company identified significant growth potential within the non-prime personal loan market, which currently represents only 16% of total non-prime unsecured credit. Furthermore, the management's 2025 outlook aligns with prior estimates, projecting a firm-wide net charge-off (NCO) range of 7.5%-8.0% and managed receivables growth of 5.0%-8.0%, reflecting a stable operational foundation for future profitability.
Bears say
OneMain Holdings has demonstrated a concerning credit performance, with a consumer loan net charge-off ratio of 7.63%, which, while slightly below expectations, reflects a deterioration from the previous quarter. Additionally, the company's net leverage stands at 5.6x, indicating a high level of indebtedness that may limit its operational flexibility and increase vulnerability in volatile economic conditions. The prevailing uncertainty in the economy could exacerbate these risks, potentially leading to greater finance receivable losses and negatively impacting the company's financial results.
This aggregate rating is based on analysts' research of OneMain Hld and is not a guaranteed prediction by Public.com or investment advice.
OneMain Hld (OMF) Analyst Forecast & Price Prediction
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