OneMain Holdings, Inc. (OMF) Fair Value 2026

OMF · Personal Credit Institutions ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.7 /10

32 fundamental signals · 8 models active

Value Trap Risk

LOW (32/100)

Quick Summary — As of 2026-07-13, OneMain Holdings, Inc. (OMF) trades at $59.27, approximately 78% below CirclFi’s Bayesian DCF fair value of $263.70. QOC: 7.7/10. Value Trap Risk: 32/100 (LOW). 8/13 models active.

Key Facts

Ticker
OMF
Price
$59.27
Quality Score
7.7/10
Value Trap Risk
32/100
Models Active
8/13
Last Updated
Strength: RCMH-DCF suggests +469.4% upside with 50% confidence
Risk: Limited model coverage (8/13) may reduce confidence

Valuation Matrix

8 Intrinsic Value Models vs. Current Price ($59.27)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
 $263.70 +345.0%
Earnings Power Value
High Conviction
 $67.54 +14.0%
CUCE Ensemble
Low Conviction
 $186.62 +214.9%
RCMH-DCF
High Conviction
 $337.47 +469.4%

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What Is OneMain Holdings, Inc. (OMF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, OneMain Holdings, Inc.'s intrinsic value is estimated at a composite fair value of $150.67. At a current market price of $59.27, 8 of 8 active valuation models identify upside potential, projecting an average implied return of +154.2%. Notably, RCMH-DCF sees the most upside at +469.4% (fair value: $337.47), while FTNN is the most conservative at +6.4% ($63.07). The spread between these extremes — +463.0% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About OMF?

8 of 13 models are currently active for OMF. All 8 active models suggest the stock trades below fair value. The Bayesian DCF estimates OMF's intrinsic value at $263.70, implying +345.0% upside from the current price. See which stocks rank higher →

How Does OMF Rank in Personal Credit Institutions?

Among 15 Personal Credit Institutions stocks, OMF ranks #5 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

The Personal Credit Institutions sector introduces analytical considerations specific to financial institution businesses. For OneMain Holdings, Inc., metrics like loan loss provisions provide important context that general-purpose valuation models may underweight.

Is OMF a Value Trap?

CirclFi's Value Trap algorithm assigns OMF a score of 32/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

8 of 13 models are active for OneMain Holdings, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, OneMain Holdings, Inc. earns a quality score of 7.7/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +463.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every OMF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across OMF's 8 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy OneMain Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Personal Credit Institutions Stocks Should You Also Analyze?

8 related Personal Credit Institutions stocks with 13-model coverage

ENVAEnova International, Inc.QOC 9.3NNINelnet, Inc.QOC 8.2CACCCredit Acceptance CorporationQOC 8.0ATLCAtlanticus Holdings CorporationQOC 7.8BFHBread Financial Holdings, Inc.QOC 7.6ATLCLAtlanticus Holdings CorporationQOC 7.5ATLCPAtlanticus Holdings CorporationQOC 7.5ATLCZAtlanticus Holdings CorporationQOC 7.5

Read investment analysis: ENVA · NNI · CACC · ATLC · BFH

Frequently Asked Questions About OneMain Holdings, Inc.

What is OneMain Holdings, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, OneMain Holdings, Inc. (OMF) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $263.70. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is OMF overvalued or undervalued right now?

At $59.27, 8 of 8 active models suggest OMF may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits OneMain Holdings, Inc.'s business model in Personal Credit Institutions.

What does a Quality of Company score of 7.7 mean for OMF?

OneMain Holdings, Inc.'s QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on OMF?

CirclFi analyzes OMF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 8 of 13 are active for this stock. Read the full methodology →

Is OMF a value trap in 2026?

OneMain Holdings, Inc.'s Value Trap score is 32/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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