OneMain Holdings, Inc.

OMF · Personal Credit Institutions · 115.5M shares · -3%/yr ↓ buyback · EDGAR filings ↗

Net buyback after stock comp: $29M (gross $65M, SBC $36M)

Reference price $60.00 · est. market cap ~$6.9B — last insider sale, 2026-04-17 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

B72

OneMain Holdings — leading subprime/non-prime installment lender with high ROE.

Strengths

ROE 23% (75th pct); net income up sharply (75th); large franchise

Risks

Very high leverage (D/E 6.7, 100th, lender-structural)
Subprime credit-cycle and funding sensitivity

Notable findings

Exec changeRecent 8-K item 5.02 8-K ↗
High leverageHigh leverage (debt/equity 6.67)
Buying back stockNet buyback — share count -3%/yr over 4y
Insider sellingInsider selling — 5 open-market sale(s) by 2 insider(s) (cluster of 2 insiders, ~$5M, last 6mo) Form 4 ↗

Key metrics

Return on equity

23.0%

Return on assets

2.9%

Net-income growth

53.8%

Debt / equity

6.7×

Tangible book value

$1.6B

Cash & investments

$914M

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-04-17	Conrad Micah R.	Sell	5.0K	$60.00
2026-02-26	Conrad Micah R.	Sell	5.0K	$58.00
2026-02-20	Osterhout Jeannette E	Tax withheld	4.0K	$57.53
2026-02-20	Osterhout Jeannette E	Tax withheld	2.9K	$57.53
2026-02-20	Osterhout Jeannette E	Tax withheld	3.9K	$57.53
2026-02-20	Conrad Micah R.	Tax withheld	4.5K	$57.53
2026-02-20	Conrad Micah R.	Tax withheld	2.6K	$57.53
2026-02-20	Conrad Micah R.	Tax withheld	3.5K	$57.53
2026-02-20	Shulman Douglas H.	Tax withheld	17K	$57.53
2026-02-20	Shulman Douglas H.	Tax withheld	11K	$57.53
2026-02-20	Shulman Douglas H.	Tax withheld	11K	$57.53
2026-02-20	Hedlund Michael A	Tax withheld	1.0K	$57.53
2026-02-20	Hedlund Michael A	Tax withheld	875	$57.53
2026-02-20	Hedlund Michael A	Tax withheld	438	$57.53
2026-02-20	Hedlund Michael A	Tax withheld	387	$57.53
2026-02-20	Hedlund Michael A	Tax withheld	383	$57.53
2026-02-11	Osterhout Jeannette E	Grant	24K	—
2026-02-11	Bronner Philip	Grant	3.2K	—
2026-02-11	Conrad Micah R.	Grant	18K	—
2026-02-11	Shulman Douglas H.	Grant	78K	—
2026-02-11	Daruvala Toos	Grant	3.2K	—
2026-02-11	Hedlund Michael A	Grant	2.9K	—
2026-02-11	Halmy Christopher A	Grant	3.2K	—
2026-02-11	CALDWELL PHYLLIS R	Grant	3.2K	—
2026-02-11	MACDONALD ANDREW D	Grant	3.2K	—
2026-02-11	GUTHRIE ROY A	Grant	3.2K	—
2026-02-11	SMITH RICHARD A	Grant	3.2K	—
2026-01-14	Osterhout Jeannette E	Grant	26K	—
2026-01-14	Osterhout Jeannette E	Tax withheld	15K	$66.37
2026-01-14	Conrad Micah R.	Grant	31K	—
2026-01-14	Conrad Micah R.	Tax withheld	16K	$66.37
2026-01-14	Shulman Douglas H.	Grant	112K	—
2026-01-14	Shulman Douglas H.	Tax withheld	69K	$66.37
2026-01-02	Shulman Douglas H.	Sell	15K	$68.44
2026-01-02	Shulman Douglas H.	Sell	22K	$68.44
2026-01-02	Shulman Douglas H.	Sell	20K	$68.37
2025-11-26	Hedlund Michael A	Sell	652	$62.00
2025-11-07	Conrad Micah R.	Sell	5.0K	$59.20
2025-11-03	Shulman Douglas H.	Sell	35K	$59.54
2025-09-05	Conrad Micah R.	Tax withheld	4.8K	$62.61
2025-09-05	Shulman Douglas H.	Gift	8.5K	—
2025-08-20	Osterhout Jeannette E	Tax withheld	6.9K	$58.22
2025-07-29	Shulman Douglas H.	Sell	35K	$59.47
2025-07-16	Shulman Douglas H.	Tax withheld	14K	$57.24
2025-07-03	Conrad Micah R.	Sell	3.0K	$60.00
2025-07-01	Conrad Micah R.	Sell	4.0K	$58.02
2025-06-30	Conrad Micah R.	Sell	3.0K	$56.87
2025-06-16	Shulman Douglas H.	Sell	20K	$52.56
2025-06-11	Halmy Christopher A	Grant	1.6K	—
2025-05-28	Conrad Micah R.	Sell	5.0K	$52.21
2025-05-01	Shulman Douglas H.	Sell	25K	$47.49
2025-04-29	Shulman Douglas H.	Sell	40K	$50.00
2025-03-17	MACDONALD ANDREW D	Grant	2.2K	—
2025-02-21	Hedlund Michael A	Sell	2.8K	$56.09
2025-02-20	Hedlund Michael A	Tax withheld	387	$57.09
2025-02-20	Shulman Douglas H.	Tax withheld	17K	$57.09
2025-02-20	Osterhout Jeannette E	Tax withheld	2.2K	$57.09
2025-02-20	Osterhout Jeannette E	Tax withheld	4.0K	$57.09
2025-02-20	Osterhout Jeannette E	Tax withheld	2.9K	$57.09
2025-02-20	Conrad Micah R.	Tax withheld	2.4K	$57.09
2025-02-20	Conrad Micah R.	Tax withheld	4.5K	$57.09
2025-02-20	Conrad Micah R.	Tax withheld	2.6K	$57.09
2025-02-20	Shulman Douglas H.	Tax withheld	17K	$57.09
2025-02-20	Shulman Douglas H.	Tax withheld	11K	$57.09
2025-02-20	Hedlund Michael A	Tax withheld	520	$57.09
2025-02-20	Hedlund Michael A	Tax withheld	1.0K	$57.09
2025-02-20	Hedlund Michael A	Tax withheld	438	$57.09
2025-02-20	Hedlund Michael A	Tax withheld	875	$57.09
2025-02-06	Osterhout Jeannette E	Grant	21K	—
2025-02-06	Bronner Philip	Grant	2.8K	—
2025-02-06	Conrad Micah R.	Grant	20K	—
2025-02-06	Soranno Keating Valerie	Grant	2.8K	—
2025-02-06	Shulman Douglas H.	Grant	62K	—
2025-02-06	Daruvala Toos	Grant	2.8K	—
2025-02-06	Hedlund Michael A	Grant	2.9K	—
2025-02-06	CALDWELL PHYLLIS R	Grant	2.8K	—
2025-02-06	GUTHRIE ROY A	Grant	2.8K	—
2025-02-06	SMITH RICHARD A	Grant	2.8K	—

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

Date	Items
2026-06-22	Exec/director changeShareholder vote	filing ↗
2026-05-01	ResultsReg FDExhibits	filing ↗
2026-02-05	ResultsReg FDExhibits	filing ↗
2025-12-18	Material agreementDebt obligationExhibits	filing ↗
2025-12-05	Material agreementExhibits	filing ↗
2025-10-31	ResultsReg FDOtherExhibits	filing ↗
2025-09-17	Material agreementDebt obligationExhibits	filing ↗
2025-09-04	Material agreementExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-06-22	2026-06-16	0001584207-26-000025 ↗
8-K	2026-05-01	2026-05-01	0001584207-26-000018 ↗
10-Q	2026-05-01	2026-03-31	0001584207-26-000020 ↗
10-K	2026-02-06	2025-12-31	0001584207-26-000008 ↗
8-K	2026-02-05	2026-02-05	0001584207-26-000004 ↗
8-K	2025-12-18	2025-12-18	0001140361-25-046022 ↗
8-K	2025-12-05	2025-12-04	0001140361-25-044575 ↗
8-K	2025-10-31	2025-10-31	0001584207-25-000044 ↗
10-Q	2025-10-31	2025-09-30	0001584207-25-000046 ↗
8-K	2025-09-17	2025-09-17	0001140361-25-035253 ↗
8-K	2025-09-04	2025-09-03	0001140361-25-033997 ↗
8-K	2025-08-12	2025-08-12	0001140361-25-030579 ↗