OneMain Holdings, Inc. Financial Ratios — 0S1 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-22.81	-17.12	-1.4	25.97	-9.11	7.33	5.77	12.63	21.09	18.87	40.3	28.55	20.67	15.96	23.76
Return on Assets (%)	-1.48	-1.44	-0.13	3.53	-1.37	1.09	0.97	2.26	3.99	3.22	5.9	3.91	2.74	2.03	2.94
Return on Capital (%)	- -	- -	- -	2.71	- -	0.94	1.04	2.4	4.22	3.41	6.16	4.08	2.89	2.14	3.09
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-48.39	-38.08	5.48	41.16	-15.29	12.39	14.52	18.54	29.58	25.01	43.14	27.51	19.63	14.7	20.14
Profit Margin (%)	-32.48	-27.15	-1.34	22.13	-14.88	7.48	6.16	13.28	23.03	18.69	32.56	20.77	14.98	11.22	15.75
Net Income to Common Margin (%)	-32.48	-27.15	-1.34	22.13	-14.88	7.48	6.16	13.28	23.03	18.69	32.56	20.77	14.98	11.22	15.75
Effective Tax Rate (%)	- -	- -	- -	31.59	- -	31.74	57.54	28.37	22.13	25.28	24.53	24.5	23.69	23.69	21.78
Dvd Payout Ratio (%)	- -	- -	98.55	89.23	226.47	6.64	- -	- -	47.72	110.41	96.96	55.05	75.98	97.84	63.73
Sustainable Growth Rate (%)	-22.81	-17.12	-0.02	2.8	11.53	6.84	5.77	12.63	11.02	-1.96	1.23	12.84	4.97	0.34	8.62

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	9,323	12,628	12,777	8,361	19,920	13,959	15,050	15,178	17,212	17,800	18,350	18,331	19,814	21,439	22,694
ST Debt	21	7	8	5	2,620	- -	- -	- -	- -	- -	600	50	1	1	1
LT Debt	9,302	12,621	12,769	8,356	17,300	13,959	15,050	15,178	17,212	17,800	17,750	18,281	19,813	21,438	22,693
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.8	8.05	10	18.73	13.23	16.92	16.87	18.91	18.89	15.26	14.01	13.38	13.11	12.32	12.42
Long-Term Debt/Equity (%)	682.52	1,068.73	676.82	454.87	633.7	455.28	459.12	399.53	397.51	517.29	573.88	606.33	621.88	671.83	667.24
Long-Term Debt/Capital (%)	87.05	91.4	87.08	81.94	76.38	81.99	82.11	79.98	79.9	83.8	82.78	85.64	86.14	87.04	86.96
Long-Term Debt/Total Assets (%)	60.03	86.05	82.9	77.28	81.64	77.02	77.45	75.55	75.43	79.21	80.39	81.12	81.56	82.74	82.86
Total Debt/Equity (%)	684.08	1,069.32	677.24	455.14	729.67	455.28	459.12	399.53	397.51	517.29	593.28	607.99	621.91	671.86	667.27
Total Debt/Capital (%)	87.25	91.45	87.13	81.99	87.95	81.99	82.11	79.98	79.9	83.8	85.58	85.88	86.15	87.04	86.97
Total Debt/Total Assets (%)	60.17	86.1	82.95	77.33	94.01	77.02	77.45	75.55	75.43	79.21	83.11	81.34	81.56	82.74	82.86
Net Debt to Equity	633.49	937.7	654.37	407.29	695.27	436.4	429.01	381.65	369.17	451.26	575.78	591.48	590.08	657.51	645.57
Net Debt/Capital (%)	86.37	90.36	86.74	80.29	87.43	81.36	81.1	79.24	78.69	81.86	85.2	85.54	85.51	86.8	86.59
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.8	8.05	10	18.73	13.23	16.92	16.87	18.91	18.89	15.26	14.01	13.38	13.11	12.32	12.42
Long-Term Debt/Equity (%)	682.52	1,068.73	676.82	454.87	633.7	455.28	459.12	399.53	397.51	517.29	573.88	606.33	621.88	671.83	667.24
Long-Term Debt/Capital (%)	87.05	91.4	87.08	81.94	76.38	81.99	82.11	79.98	79.9	83.8	82.78	85.64	86.14	87.04	86.96
Long-Term Debt/Total Assets (%)	60.03	86.05	82.9	77.28	81.64	77.02	77.45	75.55	75.43	79.21	80.39	81.12	81.56	82.74	82.86
Total Debt/Equity (%)	684.08	1,069.32	677.24	455.14	729.67	455.28	459.12	399.53	397.51	517.29	593.28	607.99	621.91	671.86	667.27
Total Debt/Capital (%)	87.25	91.45	87.13	81.99	87.95	81.99	82.11	79.98	79.9	83.8	85.58	85.88	86.15	87.04	86.97
Total Debt/Total Assets (%)	60.17	86.1	82.95	77.33	94.01	77.02	77.45	75.55	75.43	79.21	83.11	81.34	81.56	82.74	82.86
CFO/Total Liabilities	1.21	1.69	4.99	4.25	4.01	8.78	9.63	12.56	12.78	11.62	11.84	12.23	11.93	11.88	13.06
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	22.18	77.05	52.96	35.19	36.83	16.45	14.54	13.7	13.29	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	16.46	4.74	6.89	10.37	9.91	22.19	25.1	26.65	27.47	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	690	1,554	431	879	939	579	987	679	1,227	2,272	541	498	1,014	458	738
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	6	- -	- -	- -	19	13	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	347	-188	-79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	9,323	12,628	12,777	8,361	19,920	13,959	15,050	15,178	17,212	17,800	18,350	18,331	19,814	21,439	22,694
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	10,686	13,809	14,664	10,198	22,650	17,025	18,328	18,977	21,542	21,241	21,443	21,346	23,000	24,630	26,095
Total Debt/Capital (%)	87.25	91.45	87.13	81.99	87.95	81.99	82.11	79.98	79.9	83.8	85.58	85.88	86.15	87.04	86.97
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	744	802	1,423	2,092	1,478	2,873	2,969	3,366	3,712	3,906	4,036	4,199	4,280	4,537	4,970
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	381	- -	1,322	1,555	2,046	2,362	2,212	2,247	2,387	2,519	2,699	3,132
TTM Free Cash Flow to Firm	- -	- -	- -	381	- -	1,322	1,555	2,046	2,362	2,212	2,247	2,387	2,519	2,699	3,132

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	112	112	115	115	134	135	135	136	136	134	128	121	120	119	117
Diluted Weighted Avg Shares	112	112	103	115	128	135	136	136	136	135	133	124	121	120	119
Basic Weighted Avg Shares	112	112	103	115	128	135	135	136	136	134	128	121	120	119	117
Revenue per Share	6.67	7.18	13.83	18.22	11.55	21.33	21.95	24.78	27.27	29.08	31.58	34.69	35.74	38.01	42.41
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-2.17	-1.95	-0.18	4.03	-1.72	1.6	1.35	3.29	6.28	5.43	10.28	7.2	5.35	4.26	6.68
Basic EPS from Cont Ops	-2.17	-1.95	0.91	5.13	-0.73	1.8	1.35	3.29	6.28	5.43	10.28	7.2	5.35	4.26	6.68
Diluted EPS, GAAP	-2.17	-1.95	-0.18	4.02	-1.72	1.59	1.35	3.29	6.27	5.41	9.87	7.01	5.32	4.24	6.56
Diluted EPS from Cont Ops	-2.17	-1.95	0.91	5.11	-0.73	1.8	1.35	3.29	6.27	5.41	9.87	7.01	5.32	4.24	6.56
Dividend per Share	- -	- -	1.98	5.56	0.6	0.13	- -	- -	3	6	9.97	3.97	4.07	4.17	4.26
Cash Flow per Share	1.53	2.04	6.56	3.32	5.79	9.81	11.5	15.06	17.35	16.47	17.58	19.72	21.03	22.61	26.72
Free Cash Flow per Basic Share	1.53	2.04	6.56	3.32	5.79	9.81	11.5	15.06	17.35	16.47	17.58	19.72	21.03	22.61	26.72
Cash & Equivalents per Share	6.18	13.92	3.76	7.65	19.84	16.63	18.95	16.83	22.23	30.66	19.15	18.4	22.22	16.73	9.89
Book Value per Share	12.21	10.58	13.42	17.63	20.84	22.73	24.22	27.97	31.67	25.52	24.2	24.91	26.6	26.73	29.02
Tangible Book Value per Share	11.83	10.32	13.2	17.45	5.98	8.54	10.46	14.64	18.71	12.65	10.81	10.88	12.43	11.99	14.04