OneMain Financial (OMF) · wyniki II kw. 2026 i wycena

Przy wzroście 10,0% rocznie (standardowe założenie) wartość godziwa z modelu to $154.24 na akcję — kurs jest o 63% poniżej niej. Obecna cena zakłada wzrost o −4,2% rocznie.

1. Prognoza

   Funding costs expected to stay at current levels for the remainder of 2026.

   Cytat ze źródła

   “These types of innovations are positioning our personal loan business for continued growth. We continue to pilot this offering, and it's performing very well, attracting high-quality customers and delivering strong results. As always, we move quickly but with discipline, testing rigorously, scaling what works and building a pipeline of initiatives that we expect to drive value over time.”

2. Prognoza

   Credit losses are expected between 7.4% and 7.9%, supported by improving early and late stage delinquency trends.

   Cytat ze źródła

   “In the first half of the year, 30 to 89 declined 28 basis points. Accelerating the year over year improvement from last quarter's 1 basis point decline. that is better than last year and the pre pandemic average.”

Management sounded noticeably less positive answering analysts than in its prepared script — a bigger drop than in 86% of calls. Scripts are polished in advance; a drop under questioning often marks the topics analysts pressed on, so the answers deserve a closer read than the script.

Zdania, które wpłynęły na ton

“This strong growth was achieved while maintaining our conservative underwriting, reflecting the effectiveness of our new products and innovative growth strategies.”

“we delivered strong second quarter results across key financial metrics including profitable growth, good credit results, as our customers remain resilient, disciplined expense management, coupled with investment for the future,...”

“A solid improvement over the 14-basis point year on year increase we saw last quarter.”