Positioning no disclosures inside 60 days, left as found
Options put/call open interest 4.90, read 2026-10-24
Ethical does not pass the values gate
Price55.72 USD
Fair value83.75
Ethical score30.0/100
Our investment reviews on this name
2026-10-26Read Accumulation55.84-0.2% to today Markdown gives way to Accumulation after an 11% slide in 7 weeks
2026-09-08Read Markdown62.89-11.4% to today ✓Markup gives way to Markdown first Markdown read since July
2026-08-07Read Markup65.03-14.3% to today Markdown gives way to Markup after a 15% rise in 5 weeks
2026-07-02Read Markdown56.71-1.7% to today ✓First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
OneMain Holdings, Inc. holds its Accumulation at $55.72. The statistical read favours the sellers, held for 68 days.
As held on the ledger · 2026-10-23
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 68 days
Price at the screen
$55.72
Valuation
8.41 trailing · 6.59 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.21
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: financial services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: financial services
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
OneMain Holdings, does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
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Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 50.3% margin of safety to the base estimate.
Third-party analyst targets: 14 covering, consensus Buy. The average target sits +20% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Lending where banks turn their backs
Walk into a branch or tap an app and OneMain puts cash in the hands of borrowers the big banks walk away from. Personal loans and auto finance keep the engine turning, with revenue up 9 percent, a 26 percent profit margin and 24 percent return on equity. At 7 times forward earnings the stock looks cheap next to a consensus target of 68 dollars, yet the numbers sit on a foundation the market has learned to distrust.
We pass outright. The ethical screen rejects any holding in financial services on principle, regardless of growth rates or margins. No amount of apparent value changes that filter.
Cyclical credit losses can spike when unemployment rises, and the low multiple may simply reflect peak-cycle earnings rather than a bargain. Currency or regulatory shocks add further pressure. Analysis, not advice.
The risks · The things to watch: it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
OMF trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-29Accumulation$55.72-0.2%Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-28Accumulation$55.84+0.0%Entry 14
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Accumulation$55.84+0.0%Entry 13
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Markdown$55.84+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Markdown$55.84+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Markdown$55.84+0.0%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markdown$55.84-0.4%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68.
2026-10-14Markdown$56.07-0.5%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68.
2026-10-02Markdown$56.35-10.4%Entry 6
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 10.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (14 analysts) rates it buy, with a mean price target of $68.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.