OMFOneMain Holdings, Inc.
Personal Credit Institutions
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $21.6B net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear400% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear20% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear5% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $1.3B | $872M | $641M | $509M | $783M | 54% |
| Operating cash flow | $2.2B | $2.4B | $2.5B | $2.7B | $3.1B | 16% |
| Stock-based comp | $23M | $31M | $36M | $30M | $36M | 20% |
| Buybacks | $368M | $303M | $65M | $35M | $141M | 303% |
| Dividends | $1.3B | $480M | $487M | $498M | $499M | 0.2% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $290K · 1
- Net
- −$290K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $15M | $28M | 236 | 195 |
| FY2024 | $11M | $11M | 169 | 160 |
| FY2023 | $15M | $19M | 147 | 128 |
| FY2022 | $11M | $4M | 90 | 109 |
| FY2021 | $22M | $40M | 124 | 125 |