Event-Driven Stocks

OneMain Holdings, Inc.

OMFNYSE

Financials · Personal Credit Institutions · DE · SEC filings ↗ · Compare ⊕

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Signs● 3 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue——————
Operating income——————
Net income$783.0M$509.0M$641.0M$872.0M$1.31B$730.0M
Total assets$27.39B$25.91B$24.29B$22.54B$22.09B$22.47B
Total liabilities$23.99B$22.72B$21.11B$19.52B$18.99B$19.03B
Equity$3.40B$3.19B$3.19B$3.02B$3.04B$3.44B
EPS (diluted)$6.56$4.24$5.32$7.01$9.88$5.41
Shares out.119.4M119.8M120.8M127.5M134.3M136.2M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
—
Return on equity
23.0%
Return on assets
2.9%
Return on capital (ROCE)
—
Liabilities / assets
87.6%
Debt / equity
7.05×
Book value / share
$28.49
Revenue growth (YoY)
—
Net income growth (YoY)
53.8%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−8.6%clean
Piotroski F-Score
6/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
77
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 1 warning● 3 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • High leverage (liabilities > 70% of assets)
  • Strong return on equity (>15%)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20264.3M3.3+13.8%
Apr 30, 20263.8M4.0+14.9%
Apr 15, 20263.3M2.3-26.9%
Mar 31, 20264.5M2.3+14.6%
Mar 13, 20263.9M2.6-9.4%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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