Value
8.5/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 9.3 |
| P/S | 8.9 |
| Fwd P/E | 9.8 |
| PEG | 8.5 |
| Analyst target | 6.0 |
- ▸Forward P/E: 6.4x
- ▸PEG: 0.76
- ▸Attractively valued
OMF · Why this verdict
Why OneMain Holdings (OMF) is rated BUY WAIT
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictBUY WAIT
Overall score6.1/10
ConfidenceMEDIUM
MacroRISK_OFF
Per-dimension breakdown
Quality
8.0/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 8.0 |
| ROA | 2.0 |
| Gross margin | 10.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 6.9 |
| Piotroski F | 8.9 |
- ▸Strong margins: 26%
- ▸Strong Piotroski F-Score: 8/9
- ▸High-quality business
Growth
4.2/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 4.8 |
| EPS growth | 3.7 |
Momentum
4.7/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.5 |
| MACD | 8.5 |
| OBV | 1.0 |
| MA position | 5.2 |
| Volume | 4.1 |
- ▸Volume distribution (falling OBV)
- ▸Below 200-MA but MA still rising (+0.2%/30d) — pullback in uptrend, not confirmed weakness
Sentiment
7.1/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 7.2 |
| Price target | 8.2 |
| erm sentiment | 5.6 |
- ▸Analyst upside: 25%
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.1 |
- ▸Negligible insider selling — $300,000 (0.005% of mkt cap)
Peer rank
5.1/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 5.8 |
| quality rank | 6.0 |
| growth rank | 3.4 |
Technical
4.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 4.6 |
| support resistance | 4.0 |
| 52w position | 5.6 |
Risk (lower is worse)
4.6/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 8.1 |
| days to cover | 6.9 |
| volatility | 6.2 |
| put call | 0.0 |
| implied vol | 4.9 |
| beta | 6.2 |
| debt equity | 0.0 |
- ▸Elevated put/call: 21.73
Catalyst
6.2/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 6.8 |
| dividend safety | 4.2 |
- ▸Perfect beat streak: 4Q
- ▸Yield trap warning: high yield but unsafe
How the verdict was assembled
Engine trigger
Value play: 45% MoS with quality 8.0.
Engine technical detail
verdict_path:
L4:PATH_A_VALUE_MOS33|ENTRY_STICKY:PRIOR_STILL_VIABLEPassed (8)
- MOMENTUM:4.7>=4.5
- ASYMMETRY:1.8>=1.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:44d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (0)
none
Warning (1)
- MOMENTUM:4.7<5.5 (soft — BUY_NOW allowed but watch)
Reward-to-Risk
1.80
Upside
+9.1%
Downside
5.1%
Sizing output
STARTER
SetupRECOVERY — Death cross but MACD improving, RSI 53
EdgeNO_EDGE — No clear edge identified
SuitabilityMODERATE — Balanced profile
Investment implication
The STRONG_BUY_WAIT verdict reflects clean gate clearance against Value at 8.5 and asymmetric R:R of 1.80.
The strongest dimensions are Value at 8.5, Quality at 8.0, and Sentiment at 7.1; the weakest are Growth at 4.2, Risk (lower is worse) at 4.6, and Technical at 4.7. The V9 engine cleared all gates with 1 warning, producing an asymmetric reward-to-risk of 1.80 and an engine sizing output of STARTER.