OMF
OneMain Holdings, Inc. Financial Services - Credit Services Investor Relations →
OneMain Holdings, Inc. (OMF) closed at $62.58 as of 2026-07-31, trading 44.1% above its 200-week moving average of $43.44. The stock moved further from the line this week, up from 38.2% last week. The 14-week RSI sits at 62, indicating neutral momentum.
Trading volume is running at 1.3x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.97 ratio) is neutral — neither side is clearly dominating.
Over the past 619 weeks of data, OMF has crossed below its 200-week moving average 9 times. On average, these episodes lasted 18 weeks. Historically, investors who bought OMF at the start of these episodes saw an average one-year return of +42.6%.
With a market cap of $7.2 billion, OMF is a mid-cap stock. Return on equity stands at 23.3%, indicating strong profitability. The stock trades at 2.1x book value.
Over the past 11.9 years, a hypothetical investment of $100 in OMF would have grown to $431, compared to $462 for the S&P 500. OMF has returned 13.0% annualized vs 13.7% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 9.5% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: OMF vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After OMF Crosses Below the Line?
Across 9 historical episodes, buying OMF when it crossed below its 200-week moving average produced an average return of +57.3% after 12 months (median +50.0%), compared to +20.3% for the S&P 500 over the same periods. 56% of those episodes were profitable after one year. After 24 months, the average return was +89.8% vs +45.9% for the index.
Each line shows $100 invested at the moment OMF crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices OMF would reach each dislocation threshold.
Dislocation Price Levels
Prices where OMF's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $41.40 | Unusually cheap — potential buy zone |
| Value | +1σ | $45.69 | Cheap vs. own history |
| Fair Value | +0σ | $50.96 | Historical mean behavior |
| Expensive | -1σ | $57.61 | Expensive vs. own history |
| Deep Expensive | -2σ | $66.26 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from OMF's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
OMF has crossed below its 200-week MA 9 times with an average 1-year return of +42.6% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jan 2016 | Jan 2018 | 103 | 42.3% | -22.7% | +357.4% |
| Jan 2018 | Apr 2018 | 13 | 9.7% | -5.0% | +340.2% |
| May 2018 | Jun 2018 | 1 | 0.9% | -7.2% | +327.7% |
| Oct 2018 | Feb 2019 | 19 | 28.7% | +18.4% | +333.0% |
| May 2019 | Jun 2019 | 1 | 0.8% | -9.9% | +360.6% |
| Mar 2020 | Jul 2020 | 19 | 43.6% | +248.2% | +561.2% |
| Sep 2022 | Oct 2022 | 5 | 11.2% | +41.3% | +178.6% |
| Dec 2022 | Jan 2023 | 2 | 0.7% | +62.8% | +152.9% |
| Mar 2023 | Mar 2023 | 1 | 0.3% | +57.1% | +142.9% |
| Average | 18 | — | +42.6% | — |
Frequently Asked Questions
Is OMF below its 200-week moving average?
No. OneMain Holdings, Inc. (OMF) is currently 44.1% above its 200-week moving average of $43.44. It would need to fall to $43.44 to cross below the line.
What is OMF's 200-week moving average price?
OneMain Holdings, Inc.'s 200-week moving average is $43.44 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when OMF drops below its 200-week moving average?
OMF has crossed below its 200-week moving average 9 times in our data. On average, buying at that moment produced a one-year return of +42.6%. These dips have historically been decent entry points. These episodes lasted 18 weeks on average.
Is OMF a good value right now?
Here's what our data says about OMF as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 62. Return on equity is 23.3%. Price-to-book is 2.1x. This is not a buy or sell recommendation — always do your own research.
How does OMF compare to the S&P 500?
Over the past 11.9 years, $100 invested in OMF would have grown to $431, compared to $462 for the S&P 500. That's 13.0% annualized vs 13.7% for the index. OMF has underperformed the broader market over this period.
Does OMF pay a dividend?
Yes. OneMain Holdings, Inc. currently pays a dividend yield of 671.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31