Intrinsic value of OneMain Holdings - OMF

Previous Close

$33.73

  Intrinsic Value

$16.57

stock screener

  Rating & Target

str. sell

-51%

Previous close

$33.73

 
Intrinsic value

$16.57

 
Up/down potential

-51%

 
Rating

str. sell

Our model is not good at valuating stocks of financial companies, such as OMF.

We calculate the intrinsic value of OMF stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Shares outstanding, mln

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
2016(a)
   2017
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  77.14
  3.40
  3.56
  3.70
  3.83
  3.95
  4.06
  4.15
  4.23
  4.31
  4.38
  4.44
  4.50
  4.55
  4.59
  4.63
  4.67
  4.70
  4.73
  4.76
  4.78
  4.81
  4.82
  4.84
  4.86
  4.87
  4.89
  4.90
  4.91
  4.92
  4.92
Revenue, $m
  3,883
  4,015
  4,158
  4,312
  4,477
  4,654
  4,843
  5,044
  5,257
  5,484
  5,724
  5,979
  6,247
  6,532
  6,832
  7,148
  7,482
  7,834
  8,205
  8,595
  9,007
  9,439
  9,895
  10,374
  10,878
  11,408
  11,965
  12,551
  13,167
  13,814
  14,495
Variable operating expenses, $m
 
  2,629
  2,718
  2,813
  2,915
  3,025
  3,142
  3,266
  3,399
  3,539
  3,688
  3,703
  3,870
  4,046
  4,231
  4,427
  4,634
  4,852
  5,082
  5,324
  5,578
  5,847
  6,129
  6,425
  6,738
  7,066
  7,411
  7,774
  8,155
  8,556
  8,978
Fixed operating expenses, $m
 
  1,030
  1,056
  1,082
  1,109
  1,137
  1,165
  1,195
  1,224
  1,255
  1,286
  1,319
  1,352
  1,385
  1,420
  1,456
  1,492
  1,529
  1,567
  1,607
  1,647
  1,688
  1,730
  1,773
  1,818
  1,863
  1,910
  1,958
  2,006
  2,057
  2,108
Total operating expenses, $m
  3,527
  3,659
  3,774
  3,895
  4,024
  4,162
  4,307
  4,461
  4,623
  4,794
  4,974
  5,022
  5,222
  5,431
  5,651
  5,883
  6,126
  6,381
  6,649
  6,931
  7,225
  7,535
  7,859
  8,198
  8,556
  8,929
  9,321
  9,732
  10,161
  10,613
  11,086
Operating income, $m
  356
  356
  385
  417
  453
  492
  536
  583
  634
  690
  750
  957
  1,026
  1,101
  1,180
  1,265
  1,356
  1,453
  1,555
  1,665
  1,781
  1,905
  2,036
  2,175
  2,323
  2,479
  2,644
  2,820
  3,005
  3,201
  3,409
EBITDA, $m
  877
  643
  676
  714
  756
  802
  852
  907
  966
  1,030
  1,098
  1,172
  1,251
  1,336
  1,426
  1,523
  1,625
  1,735
  1,851
  1,974
  2,106
  2,245
  2,392
  2,549
  2,714
  2,890
  3,075
  3,272
  3,479
  3,699
  3,931
Interest expense (income), $m
  765
  684
  710
  737
  766
  798
  832
  867
  906
  946
  989
  1,035
  1,084
  1,135
  1,189
  1,246
  1,306
  1,370
  1,437
  1,507
  1,581
  1,660
  1,742
  1,829
  1,920
  2,016
  2,116
  2,222
  2,334
  2,451
  2,574
Earnings before tax, $m
  356
  -328
  -325
  -320
  -314
  -306
  -296
  -285
  -271
  -256
  -239
  -78
  -57
  -34
  -9
  19
  50
  83
  119
  158
  200
  245
  294
  347
  403
  463
  528
  597
  671
  750
  835
Tax expense, $m
  113
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  5
  13
  22
  32
  43
  54
  66
  79
  94
  109
  125
  143
  161
  181
  203
  225
Net income, $m
  215
  -328
  -325
  -320
  -314
  -306
  -296
  -285
  -271
  -256
  -239
  -78
  -57
  -34
  -9
  14
  36
  61
  87
  115
  146
  179
  215
  253
  294
  338
  385
  436
  490
  548
  609

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  579
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  18,123
  18,168
  18,814
  19,511
  20,259
  21,059
  21,913
  22,823
  23,789
  24,815
  25,902
  27,052
  28,269
  29,555
  30,912
  32,345
  33,856
  35,448
  37,126
  38,893
  40,754
  42,712
  44,773
  46,941
  49,221
  51,620
  54,141
  56,792
  59,579
  62,508
  65,586
Adjusted assets (=assets-cash), $m
  17,544
  18,168
  18,814
  19,511
  20,259
  21,059
  21,913
  22,823
  23,789
  24,815
  25,902
  27,052
  28,269
  29,555
  30,912
  32,345
  33,856
  35,448
  37,126
  38,893
  40,754
  42,712
  44,773
  46,941
  49,221
  51,620
  54,141
  56,792
  59,579
  62,508
  65,586
Revenue / Adjusted assets
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
  0.221
Average production assets, $m
  699
  723
  748
  776
  806
  838
  872
  908
  946
  987
  1,030
  1,076
  1,125
  1,176
  1,230
  1,287
  1,347
  1,410
  1,477
  1,547
  1,621
  1,699
  1,781
  1,867
  1,958
  2,053
  2,154
  2,259
  2,370
  2,487
  2,609
Working capital, $m
  0
  -598
  -620
  -642
  -667
  -693
  -722
  -752
  -783
  -817
  -853
  -891
  -931
  -973
  -1,018
  -1,065
  -1,115
  -1,167
  -1,223
  -1,281
  -1,342
  -1,406
  -1,474
  -1,546
  -1,621
  -1,700
  -1,783
  -1,870
  -1,962
  -2,058
  -2,160
Total debt, $m
  13,959
  14,490
  15,045
  15,643
  16,284
  16,971
  17,704
  18,484
  19,313
  20,193
  21,126
  22,113
  23,157
  24,260
  25,425
  26,654
  27,950
  29,316
  30,756
  32,272
  33,869
  35,549
  37,317
  39,177
  41,134
  43,192
  45,355
  47,630
  50,021
  52,534
  55,175
Total liabilities, $m
  15,057
  15,588
  16,143
  16,741
  17,382
  18,069
  18,802
  19,582
  20,411
  21,291
  22,224
  23,211
  24,255
  25,358
  26,523
  27,752
  29,048
  30,414
  31,854
  33,370
  34,967
  36,647
  38,415
  40,275
  42,232
  44,290
  46,453
  48,728
  51,119
  53,632
  56,273
Total equity, $m
  3,066
  2,580
  2,672
  2,771
  2,877
  2,990
  3,112
  3,241
  3,378
  3,524
  3,678
  3,841
  4,014
  4,197
  4,390
  4,593
  4,807
  5,034
  5,272
  5,523
  5,787
  6,065
  6,358
  6,666
  6,989
  7,330
  7,688
  8,065
  8,460
  8,876
  9,313
Total liabilities and equity, $m
  18,123
  18,168
  18,815
  19,512
  20,259
  21,059
  21,914
  22,823
  23,789
  24,815
  25,902
  27,052
  28,269
  29,555
  30,913
  32,345
  33,855
  35,448
  37,126
  38,893
  40,754
  42,712
  44,773
  46,941
  49,221
  51,620
  54,141
  56,793
  59,579
  62,508
  65,586
Debt-to-equity ratio
  4.553
  5.620
  5.630
  5.650
  5.660
  5.680
  5.690
  5.700
  5.720
  5.730
  5.740
  5.760
  5.770
  5.780
  5.790
  5.800
  5.810
  5.820
  5.830
  5.840
  5.850
  5.860
  5.870
  5.880
  5.890
  5.890
  5.900
  5.910
  5.910
  5.920
  5.920
Adjusted equity ratio
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142
  0.142

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  215
  -328
  -325
  -320
  -314
  -306
  -296
  -285
  -271
  -256
  -239
  -78
  -57
  -34
  -9
  14
  36
  61
  87
  115
  146
  179
  215
  253
  294
  338
  385
  436
  490
  548
  609
Depreciation, amort., depletion, $m
  521
  287
  292
  297
  303
  310
  317
  324
  331
  340
  348
  215
  225
  235
  246
  257
  269
  282
  295
  309
  324
  340
  356
  373
  392
  411
  431
  452
  474
  497
  522
Funds from operations, $m
  1,211
  -41
  -34
  -23
  -10
  4
  21
  39
  60
  83
  109
  137
  168
  201
  237
  272
  306
  343
  382
  425
  470
  519
  571
  626
  686
  749
  816
  888
  964
  1,045
  1,131
Change in working capital, $m
  -115
  -20
  -21
  -23
  -25
  -26
  -28
  -30
  -32
  -34
  -36
  -38
  -40
  -42
  -45
  -47
  -50
  -52
  -55
  -58
  -61
  -64
  -68
  -71
  -75
  -79
  -83
  -87
  -92
  -96
  -101
Cash from operations, $m
  1,326
  -22
  -12
  0
  14
  30
  49
  69
  92
  117
  145
  175
  208
  243
  282
  319
  356
  395
  437
  483
  531
  583
  639
  698
  761
  828
  899
  975
  1,056
  1,142
  1,233
Maintenance CAPEX, $m
  0
  -140
  -145
  -150
  -155
  -161
  -168
  -174
  -182
  -189
  -197
  -206
  -215
  -225
  -235
  -246
  -257
  -269
  -282
  -295
  -309
  -324
  -340
  -356
  -373
  -392
  -411
  -431
  -452
  -474
  -497
New CAPEX, $m
  0
  -24
  -26
  -28
  -30
  -32
  -34
  -36
  -38
  -41
  -43
  -46
  -48
  -51
  -54
  -57
  -60
  -63
  -67
  -70
  -74
  -78
  -82
  -86
  -91
  -95
  -100
  -105
  -111
  -117
  -122
Cash from investing activities, $m
  -2
  -164
  -171
  -178
  -185
  -193
  -202
  -210
  -220
  -230
  -240
  -252
  -263
  -276
  -289
  -303
  -317
  -332
  -349
  -365
  -383
  -402
  -422
  -442
  -464
  -487
  -511
  -536
  -563
  -591
  -619
Free cash flow, $m
  1,324
  -186
  -183
  -177
  -171
  -163
  -153
  -141
  -128
  -113
  -96
  -77
  -56
  -33
  -7
  16
  38
  62
  89
  117
  148
  181
  217
  255
  297
  341
  388
  439
  493
  551
  613
Issuance/(repayment) of debt, $m
  -1,660
  531
  555
  598
  642
  687
  733
  780
  829
  880
  933
  987
  1,044
  1,103
  1,165
  1,229
  1,296
  1,366
  1,440
  1,516
  1,596
  1,680
  1,768
  1,860
  1,957
  2,058
  2,164
  2,275
  2,391
  2,513
  2,641
Issuance/(repurchase) of shares, $m
  0
  421
  417
  419
  420
  419
  417
  414
  409
  402
  394
  242
  230
  217
  201
  189
  178
  166
  151
  136
  118
  99
  78
  55
  30
  2
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  -1,685
  952
  972
  1,017
  1,062
  1,106
  1,150
  1,194
  1,238
  1,282
  1,327
  1,229
  1,274
  1,320
  1,366
  1,418
  1,474
  1,532
  1,591
  1,652
  1,714
  1,779
  1,846
  1,915
  1,987
  2,060
  2,164
  2,275
  2,391
  2,513
  2,641
Total cash flow (excl. dividends), $m
  -360
  766
  790
  840
  891
  943
  997
  1,053
  1,110
  1,169
  1,230
  1,152
  1,218
  1,287
  1,359
  1,434
  1,512
  1,594
  1,680
  1,769
  1,863
  1,961
  2,063
  2,170
  2,283
  2,401
  2,552
  2,714
  2,884
  3,064
  3,254
Retained Cash Flow (-), $m
  -257
  -421
  -417
  -419
  -420
  -419
  -417
  -414
  -409
  -402
  -394
  -242
  -230
  -217
  -201
  -203
  -215
  -226
  -238
  -251
  -264
  -278
  -293
  -308
  -324
  -341
  -358
  -376
  -396
  -416
  -437
Prev. year cash balance distribution, $m
 
  579
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
 
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash available for distribution, $m
 
  924
  372
  420
  471
  524
  580
  639
  701
  767
  837
  910
  988
  1,071
  1,158
  1,231
  1,298
  1,368
  1,441
  1,518
  1,598
  1,682
  1,770
  1,863
  1,959
  2,060
  2,194
  2,337
  2,488
  2,648
  2,817
Discount rate, %
 
  11.80
  12.39
  13.01
  13.66
  14.34
  15.06
  15.81
  16.60
  17.43
  18.31
  19.22
  20.18
  21.19
  22.25
  23.36
  24.53
  25.76
  27.05
  28.40
  29.82
  31.31
  32.87
  34.52
  36.24
  38.06
  39.96
  41.96
  44.05
  46.26
  48.57
PV of cash for distribution, $m
 
  827
  295
  291
  282
  268
  250
  229
  205
  181
  156
  132
  109
  88
  70
  53
  39
  28
  19
  13
  9
  6
  3
  2
  1
  1
  0
  0
  0
  0
  0
Current shareholders' claim on cash, %
  100
  89.8
  81.0
  73.2
  66.4
  60.5
  55.3
  50.8
  46.8
  43.3
  40.3
  38.6
  37.1
  35.8
  34.7
  33.7
  32.8
  32.1
  31.5
  30.9
  30.5
  30.1
  29.9
  29.7
  29.6
  29.6
  29.6
  29.6
  29.6
  29.6
  29.6

OneMain Holdings, Inc. is a financial services holding company. The Company is a consumer finance company, which is engaged in providing personal loan products; credit and non-credit insurance, and service loans owned by it and service or subservice loans owned by third-parties. The Company's segments include Consumer and Insurance; Acquisitions and Servicing; Real Estate, and Other. It is engaged in pursuing strategic acquisitions and dispositions of assets and businesses, including loan portfolios or other financial assets. The Company originates and services personal loans (secured and unsecured) through two business divisions: branch operations and centralized operations. As of December 31, 2016, its combined branch operations included over 1,800 branch offices in 44 states. It offers optional credit insurance products to its customers, including credit life insurance, credit disability insurance, credit involuntary unemployment insurance and collateral protection insurance.

FINANCIAL RATIOS  of  OneMain Holdings (OMF)

Valuation Ratios
P/E Ratio 21.2
Price to Sales 1.2
Price to Book 1.5
Price to Tangible Book
Price to Cash Flow 3.4
Price to Free Cash Flow 3.4
Growth Rates
Sales Growth Rate 77.1%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate NaN%
Cap. Spend. - 3 Yr. Gr. Rate NaN%
Financial Strength
Quick Ratio NaN
Current Ratio NaN
LT Debt to Equity 455.3%
Total Debt to Equity 455.3%
Interest Coverage 1
Management Effectiveness
Return On Assets 3.8%
Ret/ On Assets - 3 Yr. Avg. 3.5%
Return On Total Capital 1.2%
Ret/ On T. Cap. - 3 Yr. Avg. 1.3%
Return On Equity 7.3%
Return On Equity - 3 Yr. Avg. 8.8%
Asset Turnover 0.2
Profitability Ratios
Gross Margin 78%
Gross Margin - 3 Yr. Avg. 73.1%
EBITDA Margin 42.3%
EBITDA Margin - 3 Yr. Avg. 40.2%
Operating Margin 9.2%
Oper. Margin - 3 Yr. Avg. 10.3%
Pre-Tax Margin 9.2%
Pre-Tax Margin - 3 Yr. Avg. 10.3%
Net Profit Margin 5.5%
Net Profit Margin - 3 Yr. Avg. 4.5%
Effective Tax Rate 31.7%
Eff/ Tax Rate - 3 Yr. Avg. 41.2%
Payout Ratio 0%

OMF stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the OMF stock intrinsic value calculation we used $3883 million for the last fiscal year's total revenue generated by OneMain Holdings. The default revenue input number comes from 2016 income statement of OneMain Holdings. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our OMF stock valuation model: a) initial revenue growth rate of 3.4% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 11.8%, whose default value for OMF is calculated based on our internal credit rating of OneMain Holdings, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of OneMain Holdings.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of OMF stock the variable cost ratio is equal to 65.6%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $1005 million in the base year in the intrinsic value calculation for OMF stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 4.9% for OneMain Holdings.

Corporate tax rate of 27% is the nominal tax rate for OneMain Holdings. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the OMF stock is equal to 0%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for OMF are equal to 18%.

Life of production assets of 4.1 years is the average useful life of capital assets used in OneMain Holdings operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for OMF is equal to -14.9%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $3066 million for OneMain Holdings - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 135.052 million for OneMain Holdings is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of OneMain Holdings at the current share price and the inputted number of shares is $4.6 billion.

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COMPANY NEWS

▶ Apollo acquires stake in subprime lender for $1.4 billion   [05:35PM  American City Business Journals]
▶ Why OneMain Holdings Stock Soared Today   [02:26PM  Motley Fool]
▶ [$$] Apollo-led Investor Group Buys Stake in OneMain   [08:19AM  The Wall Street Journal]
▶ OneMain Holdings, Inc. to Host Earnings Call   [Nov-02-17 06:00AM  ACCESSWIRE]
▶ OneMain misses Street 3Q forecasts   [05:49AM  Associated Press]
▶ OneMain Holdings, Inc. Reports Third Quarter 2017 Results   [Nov-01-17 04:30PM  Business Wire]
▶ Stocks To Watch: OneMain Sees Relative Strength Rating Rise To 82   [Oct-27-17 03:00AM  Investor's Business Daily]
▶ Stocks Generating Improved Relative Strength: OneMain   [Oct-06-17 03:00AM  Investor's Business Daily]
▶ OneMain Getting Closer To Key Technical Benchmark   [Sep-13-17 03:00AM  Investor's Business Daily]
▶ OneMain misses Street 2Q forecasts   [Aug-02-17 10:50PM  Associated Press]
▶ OneMain tops 1Q profit forecasts   [May-03-17 07:01PM  Associated Press]
▶ 3 Reasons OneMain Is on the Rise   [Mar-03-17 01:47PM  at Motley Fool]
Financial statements of OMF
Valuation of Stocks

The paper VALUATION OF STOCKS: The Quest for Intrinsic Value provides a detailed description of our valuation model and discloses the calculation algorithm.

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