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39 / 100
AltIndex AI Score
Sell
AI Score · 12-mo trend
−2 pts over 3 months17% of OMF’s tracked signals bullish
FundamentalsBullish
TechnicalsNeutral
Alternative dataNeutral
SentimentBearish
Price$56.08
Year Range$47.52 – $65.68
Market Cap$6.45B
PE Ratio8.44
IndustryFintech

What Is OneMain’s AI Stock Analysis?

OneMain’s AI stock analysis on AltIndex combines the company’s fundamentals, price technicals and 25+ alternative data signals — like hiring, web traffic, app downloads and online sentiment — into a single AI Score from 0 to 100 and a plain-English Buy, Hold or Sell read. Unlike a traditional analyst rating that updates a few times a year, the AI Score refreshes as new data arrives, so it tracks OneMain’s momentum in near-real time.

OneMain (OMF) has an AltIndex AI Score of 39/100, currently a Sell signal. The AI Score distills OneMain's fundamentals, price technicals and 25+ alternative data signals into a single 0–100 rating, so a rising score reflects strengthening data across the board and a falling score the opposite.

OneMain’s Full AI Analysis

OneMain Holdings, Inc. (OMF) is a financial services holding company that has a focus on consumer lending and insurance products. The company operates through its subsidiaries providing loan products to customers with limited access to traditional credit. The company’s diverse offerings and an extensive network of branches allow it to cater to a broad range of consumers and maintain strong customer relationships.

Fundamental Analysis

OneMain’s revenue for the last quarter was $1.63 billion, which shows an increase of 2.39% compared to the previous quarter, and a year-over-year growth of 5.79%. This indicates a positive trend in the company’s revenue generation capabilities. However, net income was reported at $152 million, representing a decrease of 32.74% compared to the prior quarter and an 8.98% decrease from the same quarter last year, raising concerns over the company's profitability.

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What’s Driving OMF’s AI Score?

Fundamentals

Revenue for the last quarter was $1.63B. This is an increase of 2.39% compared to the quarter before it, which is a positive sign of growth. Compared to the same quarter last year, there is an increase of 5.79%, suggesting positive year-over-year growth. Net income for the last quarter was $152M. This represents a decrease of 32.74% compared to the quarter before it, indicating a need for concern. However, compared to the same quarter last year, there is a decrease of 8.98%, which may be a cause for concern. Ebitda for the last quarter was $598M. This represents a decrease of 13.58% compared to the quarter before it, indicating a need for concern. Compared to the same quarter last year, there is an increase of 109.09%, suggesting positive year-over-year growth. The current P/E ratio is 8.44. This may be considered low, potentially indicating undervaluation and a bullish outlook.

See OneMain’s earnings and insider transactions.

Technicals

Today's stock price is $56.08. This represents a decrease of 11.27% compared to a month ago, which may be concerning in the short-term. Compared to a year ago, there is an increase of 9.40%, suggesting a positive long-term trend. The trend is bullish. The current SMA10 is $56.12, which is higher than the previous SMA10 of $56.11. This indicates a potential upward trend in price movement. The RSI is 54.6, indicating a neutral condition.

See the full technical analysis and price prediction.

Alternative data

OneMain has an estimated 345 open positions and this number has been stable over the last couple of months indicating a company in a stable position. The business outlook among employees at OneMain is low (an estimate of only 43% of employees have a positive outlook), a concerning sign. Add to that that the business outlook is down by -9% in the last couple of months, an even more concerning trend. OneMain has an estimate of 5.2M visitors to their webpage, with no meaningful increase or decrese in the last couple of months. OneMain has an estimate of 1,500 users downloading their mobile apps every day. The number of downloads is up by 50% in the last couple of months, a bullish trend as this can indicate can increase in customers.

Explore OneMain’s job postings, web traffic and app downloads.

Sentiment & social

OneMain has 20,000 followers on their Instagram page, with no meaningful increase or decrese in the last couple of months. OneMain has 11,000 followers on their Twitter page. The number of followers is down by -1% in the last couple of months, indicating a loss in interest in the company.

Track OneMain’s market sentiment.

Frequently Asked Questions: OneMain AI Stock Analysis

OneMain's AltIndex AI Score is 39/100, currently a Sell signal. The AI Score blends fundamentals, technicals and 25+ alternative data signals into a single rating from 0 to 100.

AltIndex's AI Score model rates OneMain a Sell (39/100). This is a data-driven signal, not investment advice — review the breakdown above and combine it with your own research.

The AI Score is generated from fundamental data (earnings, valuation), technical indicators (price trend and momentum), and alternative data signals such as hiring, web traffic, app downloads and sentiment. AltIndex weighs these into a single 0-100 score; the exact weighting is proprietary.

AltIndex generates a complete written AI analysis of OneMain — company overview, fundamentals, technicals and alternative data, with a recommendation. See the OMF AI Score or sign up to read the full thesis.

The analytics provided are estimates and not a substitute for professional advice. All investments involve risks, including possible capital loss.