OakChart

OneMain Holdings Inc

OMFFinancial·Credit Services·USA·Mid·NYSE·Nov 11 • 3:59 PM ET

55.36+0.01 (0.02%)
2026-11-12 01:23 CET
Market cap
6,335.47 USD m
Revenue, TTM
6,525.00 USD m
Net income, TTM
767.00 USD m
Free cash flow, TTM
3,212.00 USD m
EPS diluted, TTM
6.57
P/E
8.43
Compare

Price

OMF against its 20, 50 and 200-day averages
2050200beat
55.0060.0065.001.1M2.2MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26OMFclose 55.3620-day 56.5550-day 57.99200-day 58.0255.36

23.0% under the 52-week high of 71.93 on 9 Jan 2026. 52-week low 45.78 on 16 Mar 2026. Last 15 sessions, 9.5% high to low

Volume 0.74× normal · the line is the 50-bar volume average

Profile

OMF
52-week range, 37% of the way up
45.7871.93

OneMain Holdings, Inc. is a consumer finance company, which engages in the origination, underwriting, and servicing of personal loans, primarily to non-prime customers. It operates through the Consumer and Insurance segment. The Consumer and Insurance segment offers services to secured and unsecured personal loans, voluntary credit, and non-credit insurance, and related products through its combined branch network, digital platform, and centralized operations. The company was founded on August 5, 2013 and is headquartered in Evansville, IN.

IndexRUI
Employees9300
IPOOct 16, 2013
Beta1.26
ATR, 14d1.52
Rel volume0.74
Short float3.53%
Insider own0.83%
Inst own95.27%

Snapshot

6 groups

Valuation

IndexRUI
Market Cap6.34B
Enterprise Value28.72B
Income767.00M
Sales6.53B
Book/sh29.60
Cash/sh14.74
Dividend Est.4.20 (7.59%)
Dividend TTM4.20 (7.59%)
Dividend Ex-DateNov 09, 2026
Dividend Gr. 3/5Y3.15% 23.70%
Payout63.52%
Employees9300
IPOOct 16, 2013

Ratios

P/E8.43
Forward P/E6.78
PEG0.57
P/S0.97
P/B1.87
P/C3.76
P/FCF1.97
EV/EBITDA5.95
EV/Sales4.40
Quick Ratio53.78
Current Ratio53.78
Debt/Eq7.10
LT Debt/Eq7.10
Option/ShortYes / Yes

Earnings

EPS (ttm)6.57
EPS next Y8.17
EPS next Q1.74
EPS this Y-2.23%
EPS next Y25.43%
EPS next 5Y11.80%
EPS past 3/5Y-2.16% 3.94%
Sales past 3/5Y7.03% 4.82%
EPS Y/Y TTM11.49%
Sales Y/Y TTM6.46%
EPS Q/Q-3.86%
Sales Q/Q6.84%
EarningsOct 30 BMO
EPS/Sales Surpr.-3.21% 1.18%

Ownership

Insider Own0.83%
Insider Trans-1.49%
Inst Own95.27%
Inst Trans0.02%
ROA2.75%
ROE22.66%
ROIC2.79%
Gross Margin84.20%
Oper. Margin35.17%
Profit Margin11.75%
SMA20-2.11%
SMA50-4.53%
SMA200-4.59%
Trades-

Technical

Shs Outstand114.58M
Shs Float113.51M
Short Float3.53%
Short Ratio4.36
Short Interest4.00M
52W High71.93 -23.04%
52W Low45.78 20.92%
Volatility3.66% 2.56%
ATR (14)1.52
RSI (14)42.53
Beta1.26
Rel Volume0.74
Avg Volume917.68K
Volume679,388

Performance

Perf Week-4.50%
Perf Month-1.28%
Perf Quarter-15.21%
Perf Half Y5.57%
Perf YTD-18.05%
Perf Year-7.44%
Perf 3Y48.26%
Perf 5Y1.86%
Perf 10Y285.12%
Recom1.86
Target Price66.85
Prev Close55.35
Price55.36
Change %0.02%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jan 12, 2026DowngradeJJP MorganNeutral → Underweight$65+17.4%
Dec 08, 2025InitiatedTTruistBuy$75+35.5%
Oct 07, 2025DowngradeJJP MorganOverweight → Neutral$57+3.0%
Aug 25, 2025ResumedWWells FargoEqual Weight$600+983.8%
Aug 25, 2025ResumedWWells FargoEqual Weight$60+8.4%
Apr 08, 2025UpgradeNNorthland CapitalMarket Perform → Outperform
Mar 25, 2025InitiatedEEvercore ISIIn-line
Nov 13, 2024InitiatedSStephensOverweight$62+12.0%
Oct 08, 2024DowngradeBBarclaysOverweight → Equal Weight$52 → $46-16.9%
Jun 07, 2024InitiatedBBTIG ResearchNeutral

Peers

Mkt cap
TickerCompanyMkt cap
RMRegional Management Corp315.75M
WRLDWorld Acceptance Corp617.91M
ENVAEnova International Inc4.19B
OPRTOportun Financial Corp543.74M
CACCCredit Acceptance Corp5.21B
UPSTUpstart Holdings Inc2.03B
ALLYAlly Financial Inc11.48B
ATLCAtlanticus Holdings Corp1.23B
OPFIOppFi Inc506.68M
HAPNHappen Inc1.81B

Insider trading

latest 14 of 16
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Conrad Micah R.EVP & COOAug 04 '26Sale65.405,000327,00591,250Aug 06 05:09 PM
Conrad Micah R.OfficerAug 04 '26Proposed Sale65.505,000327,500Aug 04 04:03 PM
Hedlund Michael Apao, SVP and Group ControllerJul 29 '26Sale64.002,500160,00010,627Jul 31 05:06 PM
Hedlund Michael AOfficerJul 29 '26Proposed Sale64.002,500160,000Jul 29 11:40 AM
Hedlund Michael Apao, SVP and Group ControllerJun 29 '26Sale62.001,848114,57613,127Jun 30 05:04 PM
Conrad Micah R.EVP & COOJun 29 '26Sale62.005,000310,00096,250Jun 30 05:03 PM
Hedlund Michael AOfficerJun 29 '26Proposed Sale62.001,848114,576Jun 29 04:46 PM
Conrad Micah R.OfficerJun 29 '26Proposed Sale62.005,000310,000Jun 29 03:32 PM
Conrad Micah R.EVP & COOApr 17 '26Sale60.005,000300,000101,250Apr 20 05:06 PM
Conrad Micah R.OfficerApr 17 '26Proposed Sale60.005,000300,000Apr 17 04:04 PM
Conrad Micah R.EVP & COOFeb 26 '26Sale58.005,000290,000106,250Feb 27 05:01 PM
Conrad Micah R.OfficerFeb 26 '26Proposed Sale58.005,000290,000Feb 26 04:30 PM
Shulman Douglas H.President & CEOJan 02 '26Sale68.4157,5003,933,790174,100Jan 02 05:51 PM
Shulman Douglas H.OfficerJan 02 '26Proposed Sale68.4157,5003,933,789Jan 02 04:34 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DVYiShares Select Dividend ETFAUM: 23.68B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
VXFVanguard Extended Market Index ETFAUM: 30.47B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
SCHASchwab U.S. Small-Cap ETFAUM: 22.25B
IWRiShares Russell Mid-Cap ETFAUM: 58.68B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-301.5101.5601.6001,3581,34214
2026Q22026-07-291.3101.2611.3131,2981,28016
2026Q12026-05-011.9501.8591.9271,2621,26715
2025Q42026-02-051.5901.5391.7241,2861,29515
2025Q32025-10-311.9001.6131.6661,2351,25115
2025Q22025-07-251.4501.2281.3991,1981,18616
2025Q12025-04-291.7201.5671.7751,1841,16415
2024Q42025-01-311.1601.1491.0511,1691,19715
2024Q32024-10-301.2601.1421.3071,1631,16513
2024Q22024-07-311.0200.9300.5911,0961,11714
2024Q12024-04-301.4501.3931.2891,0761,06814
2023Q42024-02-071.3901.3691.3741,1031,10515
2023Q32023-10-251.5701.4911.6071,0851,10014
2023Q22023-07-261.0101.2870.8541,0581,03314
2023Q12023-04-251.4601.6521.4801,0321,01815
2022Q42023-02-071.5601.5101.4771,0601,07114

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY3.5403.5241.3502,9403,056
2018FY5.0605.0033.2863,3573,374
2019FY6.7206.5166.2723,7793,768
2020FY6.0705.3045.4113,8673,727
2021FY10.81010.7819.8763,9584,032
2022FY7.3207.2647.0094,1724,221
2023FY5.4305.4095.3144,2804,306
2024FY4.8904.8794.2374,5034,567
2025FY6.6606.6166.5604,9034,996
2026FY-6.511--5,293
2027FY-8.167--5,713
2028FY-9.306--5,776

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-038521,3851,3601,406
2026Q4S2026-11-028421,3831,3601,400
2026Q4S2026-10-308421,3841,3601,400
2026Q4S2026-10-268401,3841,3671,401
2026Q4S2026-10-128401,3841,3671,401
2026Q4S2026-10-058601,3841,3671,401
2026Q4S2026-10-028601,3801,3621,401
2026Q4S2026-09-308501,3771,3481,401
2026Q4S2026-09-258401,3741,3481,401
2026Q4S2026-09-248401,3731,3481,401
2026Q4S2026-09-228301,3711,3481,401
2026Q4S2026-09-188201,3701,3481,401
2026Q4S2026-08-179301,3751,3481,411
2026Q4S2026-07-299301,3751,3481,411

Estimate history

EPS, annual1.353.2866.2725.4119.8767.0095.3144.2376.5656.5666
Period201720182019202020212022202320242025TTM
EPS, quarterly1.3071.0511.7751.3991.6661.7241.9271.3131.602
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual3785426047844933497350915299572262426525
Period201720182019202020212022202320242025TTM
Sales, quarterly146514981501153615941610158716251703
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual135.35135.832136.101134.342127.81121.042119.757119.361117.197114.575
Period201720182019202020212022202320242025MRQ
Shares, quarterly119.404119.361119.282118.857118.379117.197115.627115.083114.575
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue6,525.006,242.005,722.005,299.005,091.004,973.004,933.004,784.004,260.00
Total Expenses4,230.003,902.003,836.003,440.003,017.002,211.002,855.003,651.003,554.00
Operating Income2,295.002,340.001,886.001,859.002,074.002,762.002,078.001,133.00706.00
Unusual Expense5.0067.0034.000.0027.0084.0074.0035.0082.00
Net Income Before Taxes974.001,001.00667.00840.001,155.001,741.00977.001,098.00624.00
Income Taxes207.00218.00158.00199.00283.00427.00247.00243.00177.00
Consolidated Net Income767.00783.00509.00641.00872.001,314.00730.00855.00447.00
Net Income From Continuing Operations767.00783.00509.00641.00872.001,314.00730.00855.00447.00
Net Income767.00783.00509.00641.00872.001,314.00730.00855.00447.00
EPS (Recurring)6.676.964.445.317.1610.325.796.453.71
EPS (Basic, Before Extraordinaries)6.606.604.255.327.029.915.426.283.29
EPS (Diluted)6.576.574.245.317.019.885.416.273.29
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense29.5828.0022.0025.0022.0016.0011.0010.0015.00
Price To Earnings Ratio8.438.4311.439.084.405.087.835.265.48
Price To Sales Ratio0.981.291.091.120.811.341.321.200.78
Gross Margin84.2084.2783.9783.7084.7085.8485.7785.7282.91
Operating Margin35.1737.4932.9635.0840.7455.5442.1223.6816.57
Net Margin11.7512.548.9012.1017.1326.4214.8017.8710.49
Shares Outstanding114.58117.20119.36119.76121.04127.81134.34136.10135.83
Market Capitalization6,335.476,335.476,221.825,899.284,070.886,573.055,702.204,485.962,444.02

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue1,703.001,625.001,587.001,610.001,594.001,536.001,501.001,498.00
Total Expenses1,125.001,102.00966.001,037.00484.00473.00453.001,004.00
Operating Income578.00523.00621.00573.001,110.001,063.001,048.00494.00
Unusual Expense0.001.003.001.00527.00532.00461.0019.00
Net Income Before Taxes233.00196.00296.00249.00263.00214.00275.00164.00
Income Taxes48.0044.0070.0045.0064.0047.0062.0038.00
Consolidated Net Income185.00152.00226.00204.00199.00167.00213.00126.00
Net Income From Continuing Operations185.00152.00226.00204.00199.00167.00213.00126.00
Net Income185.00152.00226.00204.00199.00167.00213.00126.00
EPS (Recurring)1.601.321.951.734.764.524.471.16
EPS (Basic, Before Extraordinaries)1.611.321.941.731.681.401.781.06
EPS (Diluted)1.601.311.931.721.671.401.781.05
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense7.907.118.695.885.538.697.903.83
Price To Earnings Ratio8.439.088.1511.4710.2112.0711.5311.43
Price To Sales Ratio0.981.100.991.281.101.131.001.09
Gross Margin84.3884.6883.5584.1684.3284.1884.3483.18
Operating Margin33.9432.1839.1335.5969.6469.2169.8232.98
Net Margin10.869.3514.2412.6712.4810.8714.198.41
Shares Outstanding114.58115.08115.63117.20118.38118.86119.28119.36
Market Capitalization6,335.477,043.936,266.467,952.806,711.406,781.235,834.716,221.82

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments1,613.001,142.001,548.00959.001,017.002,723.001,632.00679.00987.00
Short Term Receivables21,191.0020,096.0018,112.0016,940.0016,369.0015,105.0016,767.0014,784.0013,685.00
Investment Securities0.000.000.000.000.000.000.000.000.00
Securities In Custody0.000.000.000.000.000.000.000.000.00
Investments1,590.001,607.001,719.001,800.001,992.001,922.001,884.002,211.002,224.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.0011.0011.00
Net Property, Plant & Equipment120.00152.00165.00152.00140.00153.00163.00133.00144.00
Deferred Tax Assets-------131.00146.00
Other Intangible Assets2,874.002,913.002,750.002,686.002,561.002,568.002,371.002,141.002,236.00
Total Assets27,388.0025,910.0024,294.0022,537.0022,079.0022,471.0022,817.0020,090.0019,433.00
Total Debt22,694.0021,438.0019,813.0018,281.0017,750.0017,965.0017,388.0015,178.0015,050.00
Long Term Debt22,270.0021,438.0019,813.0018,281.0017,750.0017,271.0016,326.0014,492.0014,350.00
Provision for Risks Charges0.000.000.000.000.000.000.0020.0021.00
Other Liabilities1,293.001,281.001,295.001,241.001,236.001,065.001,099.001,093.001,084.00
Total Liabilities23,987.0022,719.0021,108.0019,522.0018,986.0019,030.0018,487.0016,291.0016,155.00
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity3,401.003,191.003,186.003,015.003,093.003,441.004,330.003,799.003,278.00
Total Shareholders Equity3,401.003,191.003,186.003,015.003,093.003,441.004,330.003,799.003,278.00
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity3,401.003,191.003,186.003,015.003,093.003,441.004,330.003,799.003,278.00
Total Liabilities & Stockholders Equity27,388.0025,910.0024,294.0022,537.0022,079.0022,471.0022,817.0020,090.0019,433.00
Book Value Per Share29.0226.7326.6024.9124.2025.6131.8127.9724.22
Tangible Book Value Per Share14.0411.9912.4310.8810.8112.7518.8514.6410.46
Full-Time Employees9,3009,0009,1009,2008,8008,3009,70010,20010,100
Price to Book Ratio1.871.941.901.362.071.661.040.640.81
Return on Assets2.942.032.743.915.903.223.752.260.97
Return on Equity23.7615.9620.6328.5540.2218.7919.7512.635.77
Return on Invested Capital3.052.072.794.096.303.524.142.441.04
Quick Ratio53.78--17.83-25.6217.3215.3115.42
Current Ratio53.78--17.83-25.6217.3215.3115.42

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations3,286.003,145.002,824.002,563.002,469.002,295.002,330.002,295.001,960.00
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-74.00-13.00-125.00-44.00-82.00-48.00-118.0067.0086.00
Cash from Operating Activities3,212.003,132.002,699.002,519.002,387.002,247.002,212.002,362.002,046.00
Capital Expenditures0.000.000.000.000.000.000.000.000.00
Net Assets From Acquisitions0.000.00-64.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.000.00
Purchase or Sale of Investments77.00103.00108.00145.00-59.00-120.0026.00-131.00-92.00
Purchase of Investments-306.00-312.00-284.00-184.00-536.00-1,225.00-994.00-736.00-691.00
Sale Or Maturity of Investments383.00415.00392.00329.00477.001,105.001,020.00605.00599.00
Other Uses-5,306.00-4,342.00-3,884.00-3,648.00-2,850.00-2,583.00-777.00-3,317.00-2,405.00
Other Sources1,384.001,096.00574.00641.00790.00560.000.0019.00100.00
Cash from Investing Activities-3,863.00-3,161.00-3,266.00-2,862.00-2,119.00-2,143.00-751.00-3,429.00-2,397.00
Cash Dividends Paid-494.00-499.00-498.00-487.00-480.00-1,274.00-806.00-408.000.00
Change in Capital Stock-239.00-136.00-31.00-65.00-303.00-368.00-45.000.000.00
Repurchase of Common Pref Stock-244.00-141.00-35.00-65.00-303.00-368.00-45.000.000.00
Sale of Common Pref Stock5.005.004.000.000.000.000.000.000.00
Proceedsfrom Stock Options5.005.004.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net1,685.001,148.00701.001,491.00469.00-162.00487.001,934.0054.00
Change in Long Term Debt1,685.001,148.00701.001,491.00469.00-162.00487.001,934.0054.00
Issuance of Long Term Debt7,398.007,972.004,388.004,819.005,618.003,759.007,279.005,895.005,525.00
Reduction of Long Term Debt-5,713.00-6,824.00-3,687.00-3,328.00-5,149.00-3,921.00-6,792.00-3,961.00-5,471.00
Net Financing Active Other Cash Flow-20.00-13.00-11.00-10.00-14.00-6.00-6.00-5.00-10.00
Other Financing Activities Uses-20.00-13.00-11.00-10.00-14.00-6.00-6.00-5.00-10.00
Cash from Financing Activities932.00500.00161.00932.00-326.00-1,810.00-370.001,521.0044.00
Exchange Rate Effect--------0.00
Net Change in Cash281.00471.00-406.00589.00-58.00-1,706.001,091.00454.00-307.00
Free Cash Flow3,212.003,132.002,699.002,519.002,387.002,247.002,212.002,362.002,046.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow2.353.062.852.922.176.844.622.941.61

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments1,687.001,305.001,562.001,613.001,406.001,511.00
Short Term Receivables22,393.0021,444.0020,871.0021,191.0020,881.0020,366.00
Investments1,550.001,649.001,614.001,590.001,657.001,683.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment0.000.000.00120.000.000.00
Other Intangible Assets3,087.003,026.002,971.002,874.003,041.003,068.00
Total Assets28,717.0027,424.0027,018.0027,388.0026,985.0026,628.00
Total Debt24,074.0022,769.0022,396.0022,694.0022,338.0022,053.00
Long Term Debt24,074.0022,769.0022,396.0022,270.0022,338.0022,053.00
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities1,252.001,272.001,245.001,293.001,269.001,249.00
Total Liabilities25,326.0024,041.0023,641.0023,987.0023,607.0023,302.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity3,391.003,383.003,377.003,401.003,378.003,326.00
Total Shareholders Equity3,391.003,383.003,377.003,401.003,378.003,326.00
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity3,391.003,383.003,377.003,401.003,378.003,326.00
Total Liabilities & Stockholders Equity28,717.0027,424.0027,018.0027,388.0026,985.0026,628.00
Book Value Per Share29.6029.4029.2129.0228.5427.98
Tangible Book Value Per Share14.3014.1614.0314.0413.6813.18
Full-Time Employees---9,300--
Price to Book Ratio1.872.091.842.372.022.07
Return on Assets2.752.893.002.942.682.56
Return on Equity22.6623.2823.9123.7621.4120.47
Return on Invested Capital0.670.580.880.790.770.66
Quick Ratio---53.78--
Current Ratio---53.78--

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations843.00806.00789.00848.00800.00745.00
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-35.00-6.00-50.0017.0028.0029.00
Cash from Operating Activities808.00800.00739.00865.00828.00774.00
Capital Expenditures0.000.000.000.000.000.00
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments51.00-29.00-40.0095.0034.006.00
Purchase of Investments-25.00-105.00-118.00-58.00-51.00-92.00
Sale Or Maturity of Investments76.0076.0078.00153.0085.0098.00
Other Uses-2,000.00-1,607.00-549.00-1,150.00-1,321.00-1,298.00
Other Sources382.00374.00362.00266.00277.00279.00
Cash from Investing Activities-1,567.00-1,262.00-227.00-807.00-1,010.00-1,013.00
Cash Dividends Paid-121.00-122.00-128.00-123.00-125.00-125.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-33.00-31.00-106.00-69.00-32.00-20.00
Repurchase of Common Pref Stock-34.00-32.00-107.00-71.00-33.00-21.00
Sale of Common Pref Stock1.001.001.002.001.001.00
Proceedsfrom Stock Options1.001.001.002.001.001.00
Issuance or Reduction of Debt, Net1,295.00359.00-311.00342.00236.00532.00
Change in Long Term Debt1,295.00359.00-311.00342.00236.00532.00
Issuance of Long Term Debt2,859.001,764.001,101.001,674.002,229.002,584.00
Reduction of Long Term Debt-1,564.00-1,405.00-1,412.00-1,332.00-1,993.00-2,052.00
Net Financing Active Other Cash Flow0.00-1.00-18.00-1.00-2.000.00
Other Financing Activities Uses0.00-1.00-18.00-1.00-2.000.00
Cash from Financing Activities1,141.00205.00-563.00149.0077.00387.00
Net Change in Cash382.00-257.00-51.00207.00-105.00148.00
Free Cash Flow808.00800.00739.00865.00828.00774.00
Price to Free Cash Flow2.352.582.323.042.682.88

Revenue breakdown

Personal Credit Institutions2024: 4.50B 2025: 4.90B
United States2024: 4.50B 2025: 4.90B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.53%4.0M113.5M912.25K
2026-10-153.60%4.1M114.1M937.45K
2026-09-303.48%4.0M114.1M975.55K
2026-09-153.51%4.0M114.1M1.01M
2026-08-313.44%3.9M114.1M1.03M
2026-08-144.12%4.7M114.1M1.07M
2026-07-314.60%5.2M114.1M1.14M
2026-07-155.14%5.9M114.6M1.12M
2026-06-305.08%5.8M114.6M1.16M
2026-06-154.41%5.1M114.5M1.30M
2026-05-293.93%4.5M114.6M1.39M
2026-05-153.74%4.3M114.4M1.43M
2026-04-303.29%3.8M114.5M1.57M
2026-04-152.82%3.3M116.1M1.64M
2026-03-313.86%4.5M116.1M1.62M
2026-03-133.37%3.9M116.1M1.40M
2026-02-273.73%4.3M116.1M1.35M
2026-02-133.81%4.4M116.1M1.30M
2026-01-303.58%4.2M116.5M1.19M
2026-01-153.42%4.0M116.9M1.16M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call25.0029.6031.0028.523.5690.000.000.991-0.0130.002
call27.5027.1028.5025.503.1950.000.000.990-0.0130.002
call30.0024.6026.000.002.8540.000.000.989-0.0130.002
call32.5022.1023.500.002.5400.000.000.988-0.0130.002
call35.0019.6021.000.002.2470.000.000.987-0.0130.003
call37.5017.1018.500.001.9730.000.000.985-0.0120.003
call40.0014.6016.1016.001.7832.000.000.983-0.0120.003
call42.5012.2013.6014.001.5283.000.000.917-0.0890.013
call45.009.7011.1011.601.2810.000.000.903-0.0840.015
call47.507.308.7017.201.0880.000.000.882-0.0770.017
call50.004.906.106.100.7990.000.000.850-0.0690.020
call52.502.803.904.100.6570.000.000.767-0.0680.026
call55.001.251.651.320.4312370.000.553-0.0690.034
call57.500.250.800.310.4752235.000.296-0.0710.030
call60.000.100.200.250.4231,54611.000.114-0.0390.017
call62.500.050.300.050.5688220.000.091-0.0450.014
call65.000.000.250.100.6044890.000.048-0.0290.009
call67.500.000.450.100.8205200.000.068-0.0520.011
call70.000.000.450.070.9336970.000.061-0.0540.010
call72.500.000.450.031.0391560.000.056-0.0570.010
call75.000.000.450.301.1392050.000.052-0.0590.009
call77.500.000.450.251.23431.000.000.048-0.0600.009
call80.000.000.050.031.0652520.000.016-0.0210.003
call85.000.000.450.051.21051.000.000.014-0.0220.003
call90.000.000.450.701.3452.000.000.013-0.0220.003
call95.000.000.451.131.4702.000.000.012-0.0230.003
call1000.000.450.001.5860.000.000.011-0.0230.003
call1050.000.250.001.6830.000.000.011-0.0230.002
put25.000.000.750.452.2426.000.00-0.007-0.0220.002
put27.500.000.051.051.8919.000.00-0.008-0.0190.002
put30.000.000.050.031.67520.000.00-0.009-0.0190.002
put32.500.000.050.351.47514.000.00-0.010-0.0190.002
put35.000.000.050.201.29012.000.00-0.012-0.0180.003
put37.500.000.100.201.24225.000.00-0.022-0.0310.005
put40.000.000.150.111.00343.000.00-0.015-0.0190.003
put42.500.000.500.461.30852.000.00-0.081-0.0960.013
put45.000.000.500.221.0874690.00-0.095-0.0900.015
put47.500.000.500.050.8711,0250.00-0.116-0.0830.017
put50.000.000.450.100.6563,3070.00-0.148-0.0750.020
put52.500.150.450.490.4337,8080.00-0.231-0.0740.026
put55.000.700.951.100.3255380.00-0.445-0.0740.034
put57.502.152.552.350.3351632.00-0.703-0.0760.030
put60.004.404.804.600.3891775.00-0.884-0.0440.017
put62.506.508.007.400.89048.000.00-0.907-0.0490.014
put65.009.0010.409.801.01224.000.00-0.921-0.0530.012
put67.5011.5012.906.101.1611.000.00-0.931-0.0560.011
put70.0014.0015.4011.471.2994.000.00-0.937-0.0580.010
put72.5016.5017.9021.421.4270.000.00-0.942-0.0600.010
put75.0019.0020.4020.071.5490.000.00-0.946-0.0620.009
put77.5021.5022.9019.331.6640.000.00-0.950-0.0630.009
put80.0024.0025.4019.761.7722.000.00-0.982-0.0230.003
put85.0029.0030.4025.961.9752600.00-0.984-0.0240.003
put90.0034.0035.4030.802.1611150.00-0.985-0.0240.003
put95.0039.0040.4036.452.33321.000.00-0.986-0.0240.003
put10044.0045.400.002.4930.000.00-0.987-0.0240.003
put10549.0050.4049.402.6430.000.00-0.987-0.0230.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-3010-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-308-KCurrent report2026-10-30SEC
2026-09-17S-3ASRAutomatic shelf registration statement of securities of well-known seasoned issuersSEC
2026-08-208-KCurrent report2026-08-20SEC
2026-08-12SCHEDULE 13GSEC
2026-08-078-KCurrent report2026-08-06SEC
2026-08-07424B5SEC
2026-08-064Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-08-06FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-08-06424B3SEC
2026-08-04144Filing for proposed sale of securities under Rule 144.SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-3010-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-29144Filing for proposed sale of securities under Rule 144.SEC
2026-07-298-KCurrent report2026-07-29SEC
2026-06-304Statement of changes in beneficial ownership of securities2026-06-29SEC
2026-06-304Statement of changes in beneficial ownership of securities2026-06-29SEC
2026-06-29144Filing for proposed sale of securities under Rule 144.SEC
2026-06-29144Filing for proposed sale of securities under Rule 144.SEC
2026-06-228-KCurrent report2026-06-16SEC
2026-06-18S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-05-14SCHEDULE 13G/ASEC
2026-05-06SCHEDULE 13G/ASEC
2026-05-0110-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-018-KCurrent report2026-05-01SEC
2026-04-30SCHEDULE 13GSEC
2026-04-29DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342025-12-31SEC
2026-04-29ARSAnnual report to security holders. 2025-12-31SEC
2026-04-204Statement of changes in beneficial ownership of securities2026-04-17SEC
2026-04-17144Filing for proposed sale of securities under Rule 144.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0800327.01K1
2026-0700160.00K1
2026-0600424.58K2
2026-050000
2026-0400300.00K1
2026-030000
2026-0200290.00K1
2026-01003.93M1
2025-120000
2025-11002.42M3

Institutional holders

Manager% owned
BlackRock, Inc.9.00%
Brave Warrior Advisors, LLC6.57%
AQR CAPITAL MANAGEMENT LLC5.45%
Capital International Investors4.95%
VANGUARD PORTFOLIO MANAGEMENT LLC4.67%
VANGUARD CAPITAL MANAGEMENT LLC4.60%
DIMENSIONAL FUND ADVISORS LP3.99%
FMR LLC3.75%
GOLDMAN SACHS GROUP INC3.62%
FIDUCIARY MANAGEMENT INC /WI/2.67%

Funds

Fund% owned
Bond Fund21.64%
High Yield Fund9.63%
American Funds Fundamental Investors4.29%
Short Duration Bond Fund3.81%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.28%
Nuveen High Yield Income Fund2.43%
VANGUARD SMALL-CAP INDEX FUND2.36%
Balanced Fund2.34%
iShares Select Dividend ETF2.11%
High Income Fund1.77%

OakChart. OMF. Cached 15 minutes.