Is OneMain Holdings, Inc. (NYSE:OMF) a buy in 2026?
Yes, on balance. The Compass leans toward accumulating OneMain Holdings, Inc. at current levels.
Subprime lender at 6.5x forward earnings with a credit card business that just turned profitable while the market still prices it like a 2008 relic.
Where OMF is headed
OneMain enters 2027 with two engines instead of one. The personal loan book that built the company, roughly $24 billion in receivables yielding north of 22%, is finally being joined by a credit card business that crossed $1 billion in receivables and turned profitable in Q1 2026. That second engine matters because it changes what OneMain is. Not a single-product subprime installment lender forever fighting roll rates and recession fears, but a multi-product consumer finance platform serving the 100 million Americans below a 700 FICO that the banks structurally won't touch.
Read the full Compass Direction on OMF
The complete destination call, the overlooked angle, milestones, and bull, base, and bear price scenarios (around $54.76).
See the full OMF analysisGet calls like this, free
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Frequently asked questions
Is OneMain Holdings, Inc. (NYSE:OMF) a buy in 2026?
Yes, on balance. The Compass leans toward accumulating OneMain Holdings, Inc. at current levels. Subprime lender at 6.5x forward earnings with a credit card business that just turned profitable while the market still prices it like a 2008 relic.
What is OMF's Compass Score?
OneMain Holdings, Inc. scores 77/100 on Alexandria's Compass, placing it in the "Favorable" tier. Scores blend eight factors and update weekly.
What is the price target for OMF?
Alexandria's full Compass Direction includes bull, base, and bear price scenarios with the valuation math behind each. Read the full breakdown on the OMF page.
Compass verdicts are AI-generated, forward-looking editorial research from publicly available data, not investment advice or a recommendation regarding any security. Scores and verdicts update as the data changes.