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Stock Ratings / Financials / OMF / financials
WULF (29) CACC (63) HUT (29) FIGR (51) ⌘ Pro Terminal β†’

OneMain Holdings Inc. (OMF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$56.55 -4.70% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $55.96

OneMain Holdings Inc. (OMF) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

πŸ“Š Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) β†’
ROARABLE C+ β€’ HOLD / WATCH Cap $6.83B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OMF Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is OMF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-02, OneMain Holdings Inc. (NYSE: OMF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $56.55 (-4.70% 1D, market cap $6.83B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OMF ranks #149 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does OMF compare to WULF and CACC in the Financials sector?
β–Ό

Within the Financials sector (Finance: Consumer Services), OMF carries a Roarable C+ (69/100 RQD), trailing P/E of 8.7x, gross margin of β€”, and ROIC of 6.0%. By comparison, WULF (TeraWulf Inc.) holds a E grade (29/100 RQD, P/E N/A, ROIC -28.9%, cap $6.36B) and CACC (Credit Acceptance Corporation) posts a C grade (63/100 RQD, P/E N/A, ROIC 0.0%, cap $5.98B). Among the 5-stock peer group, OMF leads on earnings multiple (8.7x) while FIGR leads on capital efficiency (21.9% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OMF?
β–Ό

Per OMF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001584207), OneMain Holdings Inc. generated $0 in revenue, $783.0M in net income, and $3.13B in free cash flow against $27.39B in total assets and $10.79B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $55.96 (-1.04%)🧬 Cannibal Buyback (-2.64% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 78.3% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY β€’ 57.3% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510069
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- Β· Rk C+
Cash (12)Whales (13)SEC (15)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+5% Base Target
$76 Bull$59 Base$46 Bear
πŸ“¬ FREE OMF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for OMF)Realized 20D OHLCV Swing Band: Β±4.8%
Deterministic 5-Pillar Attribution (69/100 Composite)
πŸ” WHY OMF SCORES 69/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy β€’ Cannibal Buyback (-2.64% YoY Shares)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 8/9

β–Ό #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (57.6) create a -8 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
61
Grade C$56.08-0.1% Next Q
Q2 (-2Q)
64
Grade C+$56.02+1.5% Next Q
Q3 (-1Q)
66
Grade B-$56.88-0.6% Next Q
Current
69
Grade C+$56.55+2% Hist 90D Ξ±
Trajectory: C (61) β†’ C+ (69)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the OMF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 69/100 (C+) score, OMF faces multiple-compression risk if 8.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) β€” any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($58.88) or 200D SMA ($58.30) invalidates the momentum regime and cuts Target Base ($59.35) toward Bear Floor ($46.29).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OMFβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œOMF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 69%NO 31%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How OMF Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$3.13B (78.3% FCF Margin)
Revenue$4.00BGross Profit $0 (0%)Cost of Sales $4.00BOp Profit $0 (0%)OpEx (R&D/SG&A) $0Net Profit$783.0M (19.6%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $4.00B
FY24
Rev $4.00B
FY25
Rev $4.00B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$4.00B0%23.1%$783.0M$3.13B5.5%
FY 2024$4.00B0%15%$509.0M$2.70B3.7%
FY 2023$4.00B0%18.9%$641.0M$2.52B26.3%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring OMF)

  • βœ“Walkthrough of OMF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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OMF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.46%πŸ“ HORIZONTAL RANGE
2026-11-02O $57.65H $59.34L $56.55C $56.55VOL 1.29M
RES: $72.39SUP: $53.62SMA50: $58.88SMA200: $58.30
$67.38$63.11$58.84$54.57$50.29RES $72.39SUP $53.62$56.552026-05-042026-06-172026-08-042026-09-182026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OMF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ OMF Butterfly Map β†’ + Track OMF β†’
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
-3.9%/yr Implied 5Y Growth

vs. +23.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OMF today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for OMF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for OMF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OMF)

Financials Rank #149 of 1096 βš”οΈ WULF vs OMF Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (OMF vs. WULF, CACC, HUT, FIGR)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, OneMain Holdings Inc. (OMF) ranks #149 by composite RQD confidence (69/100, grade C+) and #231 by equity capitalization ($6.83B). Within this direct 5-issuer industry benchmark cohort, OMF leads on earnings valuation at 8.7x trailing P/E, while FIGR leads on capital efficiency and profitability with 21.9% ROIC and β€” gross margin. OMF currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
OMF ACTIVE
OneMain Holdings Inc.
C+ 69/100 8.7x β€” 6.0% -4.70% $6.83B Benchmark Subject
WULF
TeraWulf Inc.
E 29/100 β€” β€” -28.9% -8.00% $6.36B /wulf-vs-omf β†’
CACC
Credit Acceptance Corporation
C 63/100 β€” β€” 0.0% -19.26% $5.98B /cacc-vs-omf β†’
HUT
Hut 8 Corp.
E 29/100 β€” β€” -13.9% -10.60% $8.19B /hut-vs-omf β†’
FIGR
Figure Technology Solutions Inc.
D 51/100 39.5x β€” 21.9% -8.52% $5.29B /figr-vs-omf β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001584207

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OneMain Holdings Inc. (OMF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $783.0M, operating cash flow of $3.13B, and free cash flow of $3.13B (+16.0% YoY). On the balance sheet, OMF closed FY2025 with $27.39B in total assets against $10.79B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 $783.0M $3.13B $3.13B $27.39B $10.79B
FY2024 (FY) 2024-12-31 $0 $509.0M $2.70B $2.70B $25.91B $10.22B
FY2023 (FY) 2023-12-31 $0 $641.0M $2.52B $2.52B $3.75B $878.6M

3. OMF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OMF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, OneMain Holdings Inc. (NYSE: OMF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $56.55 (-4.70% 1D, market cap $6.83B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OMF ranks #149 in composite RQD confidence.

How does OMF compare to WULF and CACC in the Financials sector?

Within the Financials sector (Finance: Consumer Services), OMF carries a Roarable C+ (69/100 RQD), trailing P/E of 8.7x, gross margin of β€”, and ROIC of 6.0%. By comparison, WULF (TeraWulf Inc.) holds a E grade (29/100 RQD, P/E N/A, ROIC -28.9%, cap $6.36B) and CACC (Credit Acceptance Corporation) posts a C grade (63/100 RQD, P/E N/A, ROIC 0.0%, cap $5.98B). Among the 5-stock peer group, OMF leads on earnings multiple (8.7x) while FIGR leads on capital efficiency (21.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OMF?

Per OMF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001584207), OneMain Holdings Inc. generated $0 in revenue, $783.0M in net income, and $3.13B in free cash flow against $27.39B in total assets and $10.79B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OMF trading relative to its 50-day, 200-day, and 52-week technical levels?

OMF last traded at $56.55 (-4.70% on volume of 1,294,791 shares), positioning the stock -3.96% below its 50-day simple moving average ($58.88) and -3.00% below its 200-day simple moving average ($58.30). Across its 52-week range of $45.78 to $71.93, OMF sits at the 41.2% percentile with a 14-day RSI of 57.6 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.8% ($53.84 to $59.26).

OMF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

How profitable is OneMain Holdings Inc. (OMF)?

In FY 2025 (10-K), OMF converted $4.0B of revenue into a 0% gross margin, 0% operating margin, and $3.1B in free cash flow (78.3% FCF margin).

Direct Sub-Reports: OMF RQD Cockpit OMF 12M Forecast OMF Earnings & Move OMF Dividends & DRIP OMF Insiders & 13F OMF Whale Options OMF Profit Sankey OMF News & Why
ROARABLE RATING BRIEF β€’ RQD 69/100 (C+) βœ“ STAGE-C NUMBER FIREWALL VERIFIED

OMF β€” OneMain Holdings Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:18:47Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, OMF carries an RQD Score of 69 and a letter grade of C+, labeled "Roarable Hold β€” Upper Neutral / Watch for Breakout." Across the five pillars, the Fundamental Cash Engine scores 12 of 20 (ROIC 6%; FCF yield 22%), suggesting cash generation is strong relative to the stated return on invested capital. Whale/13F Flow scores 13 of 20, indicating moderate institutional accumulation and options positioning. Insider Conviction, which reflects SEC Form 4 and Congressional PTR cluster flow, is the strongest pillar at 17 of 20. Macro Regime Fit scores 12 of 20 against a Beta of 1.04 and the sector sensitivity noted in the rating. Forensic Balance Sheet scores 15 of 20, supported by an Altman Z of 2.5, a Piotroski F of 8/9, and a Debt/Equity of 0.5.

For a prospective investor evaluating the stock today, the rating points to a mixed but constructive picture: insider flow and balance-sheet forensics are the firmest supports, while macro sensitivity and institutional flow are only moderate. The "Watch for Breakout" language signals the rating sits near the upper neutral band rather than at a clear buy threshold. Upside drivers would be sustained insider and institutional accumulation paired with continued balance-sheet strength. Valuation tradeoffs are visible in the market data: a P/E (TTM) of 8.7 and Forward P/E of 7.3 sit against an EV/EBITDA of 15.5, a combination that warrants reconciling earnings-based and enterprise-based multiples before drawing conclusions.

Snapshot

MetricValue
Price59.34
Market Cap$6.83B
P/E (TTM)8.7
Forward P/E7.3
EV/EBITDA15.5
EPS (TTM)6.81
Dividend Yield7.31%
Beta1.04
52-Wk Range$45.78 - $71.93
ROIC %6%

Business

OneMain Holdings Inc. (OMF) is a NYSE-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry. Per the company profile, its market capitalization is $6.8B. The profile does not describe specific products, customer segments, or revenue model. Not available in source data for the detailed business description beyond sector and industry classification.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$923.9M$783.0MN/A$3132.0M$914.0M$10794.1M
FY 2024$0.0M$600.6M$509.0MN/A$2699.0M$458.0M$10223.5M
FY 2023$0.0M$756.4M$641.0MN/A$2519.0MN/A$878.6M

Per the SEC financials, operating income and net income rose from FY 2023 to FY 2025 with FY 2025 net income at $783.0M, and reported operating margin is 50% and net margin is 41% per market data. ROIC is 6%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9, both per the Roarable RQD rating. Debt rose from $878.6M in FY 2023 to $10794.1M in FY 2025, and Debt/Equity is 0.5 per the forensic metrics. Revenue and EPS are not reported in the source data for these periods.

Recent Catalysts & News Wire Analysis

  • Market wire (Yahoo Finance, 1h ago): Headline references a 3-year return of 89% and a view that the stock "looks reasonable." Light: YELLOW.
  • Market wire (Simply Wall St, 3h ago): General stock analysis coverage. Light: YELLOW.
  • Catalyst (Seeking Alpha, 6h ago): Rating-upgrade coverage citing improving delinquencies. Light: GREEN.
  • Market wire (TradingView, 9h ago): Preview of an upcoming earnings report. Light: YELLOW.
  • Market wire (Yahoo Finance, 12h ago): Reports the share price retreated after Q3 earnings stirred credit concerns. Light: YELLOW.
  • Catalyst (GuruFocus, 15h ago): Reports Q2 results with shares rising on a revenue beat. Light: GREEN.

Risk watch items: the Q3 credit-concern coverage is the clearest negative signal in the feed. The Butterfly Supply-Chain Graph reports no supply-chain dependency and no proprietary signals.

Open Questions

  • What are the reported revenue and EPS figures for FY 2023–FY 2025, given that the financials list revenue as $0.0M and EPS as N/A?
  • What is the source of the rise in reported debt from $878.6M (FY 2023) to $10794.1M (FY 2025), and what drove the change?
  • What specific credit-quality metrics (delinquency, charge-off trends) underlie the Q3 "credit concerns" and the "improving delinquencies" commentary?
  • What is the reconciliation between the low P/E multiples (8.7 TTM, 7.3 forward) and the EV/EBITDA of 15.5?
  • Which specific insider, 13F, and Congressional trades constitute the Insider Conviction and Whale/13F Flow pillar scores?

OMF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for OneMain Holdings Inc. (OMF) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to OMF Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OMF Bull vs. Bear Conversation Board β€” What's Your Call at $56.55?

πŸ‚ 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OMF 🐻 50% BEARISH CONVICTION
1. Pick Your Side on OMF:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk βš–οΈ DEBATE HOST 🎯 Target: $64.09 (+8.0%)
πŸ“Œ Pinned Debate

πŸ”₯ Official Bull vs. Bear Debate: Is OMF (C+ β€’ RQD 69/100) a Buy at $59.34?

Welcome to the OMF (OneMain Holdings Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold β€” Upper Neutral / Watch for Breakout) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (πŸ‚ Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $44.51 (-25.0%)
Spot @ $59.34

Pump the brakes on OMF β€” check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on OMF, but look at what you are paying: 8.7x trailing P/E with tightening sector spreads. Unless OneMain Holdings Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader πŸ‚ BULLISH 🎯 Target: $75.96 (+28.0%)
Spot @ $59.34

OMF cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on OMF, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $59.34 (52-wk range $45.78 - $71.93), any beat on forward guidance forces shorts and underweight funds to chase.

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