What is the 13F Pro Quality Score for OMF?

13F Pro ranks OneMain Holdings, Inc. (OMF) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View OMF's current score at https://13fpro.ai/company/OMF (free sign-up required for the full ranking).

Which hedge funds own the most OMF stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of OMF include BlackRock,, Brave Warrior Advisors,, AQR CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/OMF as soon as new 13F filings post.

Where does 13F Pro source OMF data?

All OneMain Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. OneMain Holdings, Inc. files with the SEC under CIK 1584207. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is OMF in?

OneMain Holdings, Inc. (OMF) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives OMF's revenue?

Per OneMain Holdings, Inc.'s latest 10-Q filed with the SEC on 2026-07-30, the biggest revenue drivers are: Net interest income ($1,091M); Total other revenues ($207M, +18% YoY); Insurance ($112M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/OMF.

What are OMF's largest expenses?

OneMain Holdings, Inc.'s latest 10-Q reports these as the largest expense items: Provision for finance receivable losses ($610M, +19% YoY); Interest expense ($326M, +3% YoY); Salaries and benefits ($243M). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is OMF research updated on 13F Pro?

OMF's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

OneMain Holdings, Inc.(OMF)Stock Analysis

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13F Pro Quality Score

66.4/100

Rank #418 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

51.4/100

Profitability

78.7/100

Balance Sheet

59.6/100

Earnings Quality

91.3/100

Free Cash Flow

97.7/100

Institutional Flow

69.5/100

Revenue Scale

77.7/100

Dilution Risk

66.1/100

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Why OMF Scores 66/100

exact factor attribution · 2026-09-11

OMF's composite is driven by free cash flow and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Free cash flow

+7.2 pts

98th pct

Profitability

+5.7 pts

79th pct

Scale

+5.5 pts

78th pct

Earnings quality

+4.1 pts

91th pct

Institutional flow

+1.3 pts

70th pct

Capital efficiency

+1.3 pts

60th pct

Shareholder dilution

+1.1 pts

66th pct

Earnings growth

+1.0 pts

66th pct

Revenue growth

+0.4 pts

51th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

OMF Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for OneMain Holdings, Inc. (OMF), a Financials sector company. 13F Pro's AI-powered ranking engine scores OMF at 66.4/100 on a 32-signal composite quality model, placing it at rank #418 of 2,961 stocks — the top 25% of the AI-ranked universe. OMF scores in the top quartile across free cash flow (97.7), earnings quality (91.3), profitability (78.7). Based on the latest XBRL financial filings (Q1 2026), OneMain Holdings, Inc. reports quarterly revenue of $1.3B, net income of $226.0M. Top institutional holders of OMF by reported 13-F value include BlackRock, Brave Warrior Advisors, AQR CAPITAL MANAGEMENT, based on the most recent SEC filings. OMF trades on the NYSE exchange and files with the SEC under CIK 1584207. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OMF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for OneMain Holdings, Inc. directly from SEC EDGAR.

✦

Fun facts about OneMain Holdings, Inc.

Quirks, history, and lore behind OMF — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. consumer finance company · mid-cap · listed on the NYSE · headquartered in Indiana.
2
The Numbers
It services roughly 2 million customers and carries a loan portfolio of around $20 billion — built almost entirely on personal installment loans.
3
The History
Its roots trace back to 1912, making it over a century old in the consumer lending business — it was spun off from a major insurance and financial conglomerate in 2013.
4
The Secret
It specifically targets non-prime borrowers — people the big banks largely ignore — offering secured and unsecured loans through a massive branch network across the U.S.
5
The Lore
It operates over 1,300 branches at its peak — a strikingly old-school footprint in an era when every rival went digital-only; walking in and talking to a human is kind of the whole brand.
6
The Giveaway
Spun out of Springleaf Financial, which itself was rebranded from American General Finance — and then the company took a very "one main" idea and made it its name.

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What's Driving OMF's Business? Latest 10-Q Breakdown

✓ 33/33 datapoints verified

AI-extracted from OneMain Holdings, Inc.'s 10-Q filed 2026-07-30 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Interest income rose 6% to $1,417M, but a 19% jump in loan loss provision to $610M pushed net income down to $152M ($1.32 diluted) from $167M.

Biggest Revenue Drivers

Net interest income$1,091M

Interest income grew on higher average net receivables and yield; interest expense rose 3% on higher average debt supporting receivables growth.

Total other revenues$207M+18% YoY

Lower losses on debt repurchases and repayments, plus credit card revenue from new account growth and servicing revenue on loans serviced for others.

Biggest Revenue Drivers

Total revenue: $1,417M (interest income)+6% YoY

Net interest income$1,091M

Interest income grew on higher average net receivables and yield; interest expense rose 3% on higher average debt supporting receivables growth.

Total other revenues$207M+18% YoY

Lower losses on debt repurchases and repayments, plus credit card revenue from new account growth and servicing revenue on loans serviced for others.

Within Total other revenues

Insurance$112M

Gain on sales of finance receivables$16M

Sold $353 million of gross finance receivables in the quarter under whole loan sale flow agreements.

Largest Expense Items

Provision for finance receivable losses$610M+19% YoY

Higher net charge-offs and growth in receivables.

Interest expense$326M+3% YoY

Increase in average debt to support receivables growth.

Salaries and benefits$243M

Growth in receivables and strategic investments in the business, plus restructuring charges not present in the prior period.

Other operating expenses$205M

Increases in general operating expenses tied to receivables growth and strategic investments.

Margins: Consumer loan yield edged up to 22.75% from 22.70%, but credit costs outpaced it: income before income taxes fell to $196M from $214M and adjusted pretax income to $201M from $231M.

Watch Items from the Filing

Credit deterioration: net charge-off ratio 8.20% versus 7.57% a year ago; gross charge-off ratio 10.10% versus 9.05%.
Credit cards grew to $1,144M of net finance receivables from $752M, with 5.53% 90+ days past due and a 21.55% allowance ratio.
Provision of $610M exceeded $506M of net charge-offs; allowance rose to $2,923M, or 11.62% of net finance receivables.
Consumer loan 30-89 day delinquency ratio improved slightly to 3.02% from 3.04%.
Non-investment-grade ratings (S&P BB, Moody's Ba2, KBRA BB+) against $22.8B long-term debt; $11.6B unencumbered receivables and $1.0B unused corporate revolver.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$1.3B

Net Income

Q1 2026

$226.0M

ROIC

Q1 2026

4.6%

D/E Ratio

Q1 2026

6.63

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

$4.90BFY 2025

FY22 $4.17BFY23 $4.28BFY24 —FY25 $4.90B

Net Income

+53.8% YoY

$783.0MFY 2025

FY22 $872.0MFY23 $641.0MFY24 $509.0MFY25 $783.0M

EPS (Diluted)

+54.7% YoY

$6.56FY 2025

FY22 $7.01FY23 $5.32FY24 $4.24FY25 $6.56

Total Assets

+5.7% YoY

$27.39BFY 2025

FY22 $22.54BFY23 $24.29BFY24 $25.91BFY25 $27.39B

Total Debt

+5.9% YoY

$22.69BFY 2025

FY22 $18.28BFY23 $19.81BFY24 $21.44BFY25 $22.69B

Op. Cash Flow

+16.0% YoY

$3.13BFY 2025

FY22 $2.39BFY23 $2.52BFY24 $2.70BFY25 $3.13B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$4.90B	—	$4.28B +2.6%	$4.17B +5.4%	$3.96B +2.4%	$3.87B
Net Income	$783.0M +53.8%	$509.0M -20.6%	$641.0M -26.5%	$872.0M -33.6%	$1.31B +80.0%	$730.0M
EPS (Diluted)	$6.56 +54.7%	$4.24 -20.3%	$5.32 -24.1%	$7.01 -29.0%	$9.88 +82.6%	$5.41
Total Assets	$27.39B +5.7%	$25.91B +6.7%	$24.29B +7.8%	$22.54B +2.1%	$22.08B -1.7%	$22.47B
Total Debt	$22.69B +5.9%	$21.44B +8.2%	$19.81B +8.4%	$18.28B +3.0%	$17.75B -0.3%	$17.80B
Operating Cash Flow	$3.13B +16.0%	$2.70B +7.1%	$2.52B +5.5%	$2.39B +6.2%	$2.25B +1.6%	$2.21B

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Available Research

13F Pro tracks comprehensive data for OneMain Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of OMF

BlackRock, Inc.
$633.9M10,396,805 sh
Brave Warrior Advisors, LLC
$462.5M7,585,152 sh
AQR CAPITAL MANAGEMENT LLC
$383.9M6,296,859 sh
Capital International Investors
$348.4M5,714,327 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$329.2M5,399,452 sh
VANGUARD CAPITAL MANAGEMENT LLC
$324.3M5,319,258 sh
DIMENSIONAL FUND ADVISORS LP
$272.4M4,467,282 sh
GOLDMAN SACHS GROUP INC
$255.2M4,185,119 sh
FMR LLC
$225.8M3,703,833 sh
FIDUCIARY MANAGEMENT INC /WI/
$187.8M3,080,673 sh

Fund	Value	Shares
BlackRock, Inc.	$633.9M	10,396,805
Brave Warrior Advisors, LLC	$462.5M	7,585,152
AQR CAPITAL MANAGEMENT LLC	$383.9M	6,296,859
Capital International Investors	$348.4M	5,714,327
VANGUARD PORTFOLIO MANAGEMENT LLC	$329.2M	5,399,452
VANGUARD CAPITAL MANAGEMENT LLC	$324.3M	5,319,258
DIMENSIONAL FUND ADVISORS LP	$272.4M	4,467,282
GOLDMAN SACHS GROUP INC	$255.2M	4,185,119
FMR LLC	$225.8M	3,703,833
FIDUCIARY MANAGEMENT INC /WI/	$187.8M	3,080,673

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Is OMF a good stock to buy?

13F Pro's AI-powered analysis of OneMain Holdings, Inc. (OMF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for OMF are available on the OMF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. OMF is classified as a mid company.

Which hedge funds own OMF?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling OMF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of OneMain Holdings, Inc.'s investment landscape.