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Market Price

33.42 

-0.39 -1.2%

as of Apr 18 '19

52 Week Range:

22.47 37.29


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

OneMain Holdings, Inc., through its subsidiaries, provides consumer finance and insurance products and services. The company operates in two segments, Consumer and Insurance, and Acquisitions and Servicing. It provides secured and unsecured personal loans; credit insurance products, such as life, disability, and involuntary unemployment insurance products; non-credit insurance; and auto membership plans, as well as retail sales finance services. The company also services and holds real estate loans secured by first or second mortgages on residential real estate. As of December 31, 2018, it operated through a network of approximately 1,600 branches in 44 states in the United States, as well as through omf.com Website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was founded in 1920 and is based in Evansville, Indiana.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 11.12
18.30
22.18
22.59
23.86
26.80
growth rate 64.6% 21.2% 1.9% 5.6% 12.3%
Earnings BIT 1,595.00
489.00
1,212.00
1,247.00
growth rate -69.3% 147.9% 2.9%
Avg.PE 17.69
17.46
23.24
10.34
growth rate -1.3% 33.1% -55.5%
ROA -2.45
3.30
-1.48
-1.45
-0.13
3.81
-1.51
1.10
0.97
2.26
growth rate 100.0% -100.0% 0.0% 0.0% 100.0% -100.0% 100.0% -11.8% 133.0%
ROE -46.01
66.88
-22.82
-17.06
-1.41
28.31
-10.13
7.39
5.77
12.63
growth rate 100.0% -100.0% 0.0% 0.0% 100.0% -100.0% 100.0% -21.9% 118.9%
Leverage 18.77
22.60
11.36
12.23
10.00
5.46
7.65
5.91
5.93
5.29
growth rate 20.4% -49.7% 7.7% -18.2% -45.4% 40.1% -22.8% 0.3% -10.8%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 11,627.34
13,424.99
6,294.00
14,435.00
12,602.00
13,780.00
14,858.00
growth rate 15.5% -53.1% 129.4% -12.7% 9.4% 7.8%
Acct.Payable 365.24
394.17
229.00
747.00
757.00
737.00
growth rate 7.9% -41.9% 226.2% 1.3% -2.6%
Cur.Assets 9,958.00
16,922.00
13,999.00
15,506.00
16,260.00
growth rate 69.9% -17.3% 10.8% 4.9%
Total Assets 14,666.62
15,402.69
10,812.00
21,190.00
18,123.00
19,433.00
20,090.00
growth rate 5.0% -29.8% 96.0% -14.5% 7.2% 3.4%
Cash 2,442.93
1,013.50
879.00
939.00
579.00
987.00
679.00
growth rate -58.5% -13.3% 6.8% -38.3% 70.5% -31.2%
Cur.Liabilities 161.00
262.00
255.00
276.00
342.00
growth rate 62.7% -2.7% 8.2% 23.9%
Liabilities 13,485.70
13,862.67
8,975.00
18,460.00
15,057.00
16,155.00
16,291.00
growth rate 2.8% -35.3% 105.7% -18.4% 7.3% 0.8%
LT Debt 8,356.00
17,300.00
13,959.00
15,050.00
15,178.00
growth rate 107.0% -19.3% 7.8% 0.9%
Equity 1,180.92
1,540.02
2,025.00
2,809.00
3,066.00
3,278.00
3,799.00
growth rate 30.4% 31.5% 38.7% 9.2% 6.9% 15.9%
Common Shares 112.00
112.00
112.00
112.00
103.00
115.00
128.00
135.00
136.00
136.00
growth rate 0.0% 0.0% 0.0% -8.0% 11.7% 11.3% 5.5% 0.7% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Cash From OA 228.12
675.00
381.00
741.00
1,322.00
1,555.00
2,046.00
growth rate 195.9% -43.6% 94.5% 78.4% 17.6% 31.6%
FCF per Share 3.61
4.50
3.73
10.92
10.54
13.02
growth rate 24.7% -17.1% 192.8% -3.5% 23.5%
Sale Purchase of Stock 231.00
976.00
976.00
growth rate 322.5% 0.0%
FCF 666.00
269.00
171.00
216.00
675.00
400.00
731.00
1,326.00
1,555.00
2,046.00
growth rate -59.6% -36.4% 26.3% 212.5% -40.7% 82.8% 81.4% 17.3% 31.6%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 1,812.16
2,307.00
1,628.00
761.00
2,108.00
2,014.00
2,318.00
growth rate 27.3% -29.4% -53.3% 177.0% -4.5% 15.1%
Op.Income -217.70
-19.00
927.00
-164.00
477.00
529.00
687.00
growth rate 0.0% 100.0% -100.0% 100.0% 10.9% 29.9%
IBT -305.37
78.00
861.00
-226.00
356.00
431.00
624.00
growth rate 100.0% 1,003.9% -100.0% 100.0% 21.1% 44.8%
Net Income -217.70
-19.00
463.00
-220.00
215.00
183.00
447.00
growth rate 0.0% 100.0% -100.0% 100.0% -14.9% 144.3%
EPS -2.42
-2.19
-0.19
4.02
-1.72
1.59
1.35
3.29
growth rate 0.0% 0.0% 100.0% -100.0% 100.0% -15.1% 143.7%
Gross Profit 1,553.00
665.00
1,941.00
1,830.00
2,126.00
growth rate -57.2% 191.9% -5.7% 16.2%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 391.00
368.00
growth rate -5.9%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 13,780.00
13,713.00
14,195.00
14,413.00
14,858.00
growth rate -0.5% 3.5% 1.5% 3.1%
Acct.Payable 737.00
728.00
growth rate -1.2%
Cur.Assets 15,506.00
16,325.00
15,461.00
16,358.00
16,260.00
growth rate 5.3% -5.3% 5.8% -0.6%
Total Assets 19,433.00
20,467.00
19,640.00
20,468.00
20,090.00
growth rate 5.3% -4.0% 4.2% -1.9%
Cash 987.00
1,807.00
556.00
1,243.00
679.00
growth rate 83.1% -69.2% 123.6% -45.4%
Inventory
growth rate
Cur.Liabilities 276.00
342.00
growth rate 5.5%
Liabilities 16,155.00
17,085.00
16,151.00
16,828.00
16,291.00
growth rate 5.8% -5.5% 4.2% -3.2%
LT Debt 15,050.00
15,898.00
15,054.00
15,731.00
15,178.00
growth rate 5.6% -5.3% 4.5% -3.5%
Equity 3,278.00
3,382.00
3,489.00
3,640.00
3,799.00
growth rate 3.2% 3.2% 4.3% 4.4%
Common Shares 1.00
1.00
1.00
1.00
1.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures
growth rate
Cash From OA 315.00
555.00
389.00
512.00
590.00
growth rate 76.2% -29.9% 31.6% 15.2%
Sale Purchase of Stock 5.00
growth rate
FCF
growth rate
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 551.00
545.00
572.00
594.00
605.00
growth rate -1.1% 5.0% 3.9% 1.9%
Op.Income 177.00
178.00
78.00
208.00
221.00
growth rate 0.6% -56.2% 166.7% 6.3%
IBT 187.00
168.00
43.00
199.00
214.00
growth rate -10.2% -74.4% 362.8% 7.5%
Net Income 39.00
124.00
7.00
148.00
168.00
growth rate 218.0% -94.4% 2,014.3% 13.5%
Gross Profit 503.00
500.00
521.00
546.00
557.00
growth rate -0.6% 4.2% 4.8% 2.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (74.09)

YOY Growth Grade:

D (42.06)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.16 10.16 5.49
EPS / Growth 24.6% 3.29 8.9%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 16.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.9% 16.5% 16.5%
Future PE 5.49 8.60 16.21
Future EPS 7.68 15.14 15.14
Value Price
MOS %
10.42
-68.8%
32.19
-3.7%
60.65
81.5%
MOS Price 5.21 16.10 30.33
IRT 7.10 5.83 5.83

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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