OneMain Holdings Inc. (OMF) — RQD Stock Rating Cockpit

$59.34 +2.93% NYSE • Public Delayed / 60s Snapshot

OneMain Holdings Inc. (OMF) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The underlying business is intact, so current owners don’t need to panic-sell—but mixed big-money flow or rich pricing means new buyers can afford to wait for either a pullback or a B-or-higher upgrade.

ROARABLE C • HOLD / WATCH Cap $6.83B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw D+ · Rk B
Cash (11)Whales (10)SEC (16)Macro (14)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+2.3% Base Target
$76 Bull$61 Base$47 Bear
🔴 SUNDAY NIGHT PREP • 7:00 PM ET
WHALE OPTIONS TUG-OF-WAR:59% Call Buyers ($2.7M)
41% PutsMax Pain: $58.00
RSI-14 MOMENTUMNEUTRAL RANGE
46.730 Oversold · 70 Hot
ALTMAN-Z SHIELDDISTRESS RISK (<1.8)
0.60>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE52% OF RANGE
L: $46$59.34H: $72
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (41% profit margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 22 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 30 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on OMF

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

6.0% ROIC with 41.0% gross margin and 22.00% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (80)

Altman-Z 0.60 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (60)

Put/Call 0.69x with 22/40 institutional & insider flow.

Bull Case: Why Buyers Like OMF
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
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Today's Top 3 RQD Strong Buys & Whale Accumulation Setups (Live OMF Tape Review)

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RQD INSIDER CLUB UPGRADE$49/YEAR
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OMF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.78%📐 HORIZONTAL RANGE
2026-10-30O $56.56H $58.38L $56.22C $56.55VOL 1.29M
RES: $72.16SUP: $53.68SMA50: $59.02SMA200: $58.36
$67.38$63.11$58.84$54.57$50.29RES $72.16SUP $53.68$56.552026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OMF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
-3.9%/yr Implied 5Y Growth

vs. +23.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OMF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OMF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for OMF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

OMF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell OMF stock right now?

OneMain Holdings Inc. (OMF) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid 41% profit margin (6% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.

What is OMF's 12-month price target and RQD AI Jury consensus?

OMF's 12-month base price target is $60.68 (range $47.33 to $75.53), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.