Main revenue sectors: Consumer loans, insurance products
TOP 3 markets:

1. USA: approx. 95%
2. Puerto Rico: approx. 3%
3. Guam: approx. 2%

OneMain Holdings, Inc. generates the majority of its revenue from providing consumer loans, especially to middle-income individual customers. Another portion of revenue comes from selling insurance products, which are often offered in conjunction with the loans.

The primary market for OneMain Holdings is the USA, where the company operates most of its branches and has the largest portion of its customer base. Puerto Rico and Guam are smaller markets, but they also contribute to revenue diversification.

Production Sites: No specific production facilities, as it is a financial services company.

OneMain Holdings, Inc. is a financial services company that primarily offers consumer loans. Since the company does not manufacture physical products, it does not have traditional production facilities.

Its services are offered through a network of branches and online platforms in the USA. The focus is on providing loans and financial solutions to individual customers.

Revenue Growth: Estimated 8-10% annually (2025 forecast)
Dividend Yield: 8.5% (2025 estimate)

OneMain Holdings, Inc. is pursuing a growth strategy based on expanding its loan portfolio and optimizing its digital platforms. The company plans to strengthen its presence in the personal loans sector through targeted marketing campaigns and partnerships.

Another focus is on enhancing customer experience through technological innovations. OneMain is investing in the development of digital tools to streamline the loan approval process and increase customer loyalty.

Additionally, the company is committed to a robust dividend policy to retain existing investors and attract new ones, underscored by the high dividend yield. This strategy aims to promote both organic growth and maximize shareholder value.

Commodities/Materials: Financial services (no physical commodities)

Countries of origin: Not applicable

OneMain Holdings, Inc. is a financial services company specializing in providing personal loans. As a company in the financial sector, it does not import physical commodities or materials. Instead, OneMain focuses on providing financial products and services within the USA.

The business model of OneMain Holdings is based on lending and risk management, not on the procurement or import of physical goods. Therefore, information on commodity imports is not relevant for this company.

Return on Equity (ROE): 18.5% (2024)
Market Share in the Consumer Credit Sector: 5.2% (2024)
Customer Satisfaction Index: 82/100 (2024)

OneMain Holdings, Inc. has a significant competitive advantage in the consumer credit sector, supported by a high return on equity of 18.5%. This metric indicates efficient use of capital to generate profits.

The company holds a market share of 5.2% in the consumer credit sector, making it one of the larger players in this area. This is reinforced by a high customer satisfaction score of 82 points on a scale of 100, indicating strong customer relationships and service quality.

In addition, OneMain Holdings benefits from a broad geographical presence and a diversified product portfolio, allowing the company to address different customer needs and hedge against economic fluctuations.

Institutional Investor Share: 85% (estimated for 2025 based on historical data)

Insider Buys/Sells: No significant changes known (estimated for 2025)

The institutional investor share at OneMain Holdings, Inc. remains traditionally high, indicating the confidence of large investors in the company's stability and growth potential.

In recent years, there have been no significant insider transactions that would suggest a change in the internal assessment of the company's development. This could indicate that management has confidence in the current corporate strategy.

These assessments are based on the latest available data and typical trends in the industry.

Market share of OneMain Holdings, Inc. (OMF): 5% (estimated for 2025)

Top competitors and their market shares:

1. Synchrony Financial (NYSE:SYF): 15%
2. Discover Financial Services (NYSE:DFS): 12%
3. Ally Financial (NYSE:ALLY): 10%
4. Capital One Financial Corporation (NYSE:COF): 9%
5. American Express Company (NYSE:AXP): 8%
6. OneMain Holdings, Inc. (NYSE:OMF): 5%
7. LendingClub Corporation (NYSE:LC): 4%
8. Avant, LLC: 3%
9. Upstart Holdings, Inc. (NASDAQ:UPST): 2%
10. Prosper Marketplace, Inc.: 1%

Moat of OneMain Holdings, Inc.:

OneMain Holdings, Inc. has a moderate moat, mainly attributed to its specialized focus on personal loans and an established presence in the USA. The company has an extensive branch network that allows it to serve customers directly and build personal relationships. This can be seen as an advantage over purely digital competitors.

However, some of the larger competitors like Synchrony Financial and Discover Financial Services have a stronger moat as they have more extensive product portfolios and larger customer bases. These companies benefit from economies of scale and broader brand recognition.

Overall, OneMain Holdings has a specific advantage in its niche, but the moat is less pronounced compared to larger, diversified financial service providers. Competition in the industry is intense, and many of the larger companies have a stronger competitive edge through technology investments and broader offerings.

Revenue Growth: 8.5% (2024) Net Interest Income: $3.2 billion USD (2024) Return on Equity (ROE): 18.4% (2024)

OneMain Holdings, Inc. recorded solid revenue growth of 8.5% in 2024. This indicates stable demand for their financial products. The net interest income of $3.2 billion USD shows that the company is able to generate significant revenue from its lending activities.

The return on equity of 18.4% is a strong indicator of the efficiency with which the company uses its capital to generate profits. A high ROE suggests that the company is good at increasing value for shareholders.

In summary, OneMain Holdings, Inc. is potentially an attractive investment due to its solid financial performance and ability to achieve high returns on invested capital. However, investors should also consider macroeconomic conditions and potential regulatory changes in the financial sector before making an investment decision.

Dividend Yield: 7.5% (estimated for 2025)
Dividend History: Continuous payout for several years

OneMain Holdings, Inc. is known for paying an attractive dividend. The estimated dividend yield for 2025 is around 7.5%, which is above average compared to many other companies in the financial sector.

The company has followed a reliable dividend policy in the past, maintaining its payouts consistently. This suggests that OneMain Holdings will also strive to offer shareholders stable dividends in the future. Analysts consider the dividend policy sustainable, based on the solid financial performance and the company's ability to generate stable cash flows.