OMF OneMain Holdings, Inc.
XNYS 57.33 +0.00% After hoursStock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
OMF
$57.33
▲ +0.00%
Key stats
$57.18
After hours
$57.33
+0.00%
- 52-Week Range
- $45.78 – $71.93
- YTD
- -17.22%
- IV Rank (30D)
- 47.28
- Straddle Price
- $3.27
- P/C Vol Ratio
- 0.97
- Market Cap
- $6.5B
- Open
- $56.68
- Day Range
- $56.42 – $57.63
- Volume
- 1,388,183
- Prev Close
- $56.55
Fair Value
+50.0% vs price
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 5.05% |
| Beta vs SPY | 1.19 |
| Cost of Equity (CAPM) | 11.60% (VRP-adj) |
| WACC | 6.58% |
| Volatility Risk Premium | +57.9pp (IV − HV30), ERP adj +50bps |
| Effective Tax Rate | 22.2% |
| Rev. Growth (YoY, DCF input) | +4.4% |
| DCF Horizon | 12 years explicit + fade |
| Forward Tilt (NTM/TTM) | ×1.04 (applied to P/E, EV/EBITDA, P/S) |
| Free Cash Flow (TTM) | $3.2B |
| Return on Equity (TTM) | 23.1% |
| Book / Price | 50.7% — banking bias active (P/B is primary) |
| Bank Quality Adj | ×1.18 (target ROE vs peer median) |
| Gross Margin (TTM) | 79.7% |
| FCF Margin (TTM) | 50.7% |
| Debt / Equity | 6.73 |
| Quality Score | 4/6 — high quality (12y DCF) |
| SMA 50 | $59.02 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $56.38 |
| Bollinger Width / SMA20 | 11.4% (drives anchor stability) |
| Net Debt | $22.2B |
| Market Cap | $7B |
Peers used for multiples: AFRM, BEN, BFH, JPM, NU, SYF, TROW
(filtered from 8 ETF-co-members; sector bias active)
Blended Fair Value
$173.01
Deviation
+50.0%
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $599.84 | 19% | |
| DDM (Gordon) | $76.57 | 15% | |
| Peer P/E | $106.99 | 6% | median 13.1× · 7 peers |
| Peer EV/EBITDA | n/a | 0% | median 11.2× · 6 peers |
| Peer P/B | $59.38 | 9% | median 2.1× · 7 peers |
| Peer P/S | $199.57 | 3% | median 3.0× · 7 peers |
| Market Anchor (SMA50) | $59.02 | 36% | stability 93% (BB-width) |
| Options Expected (B-L 30d) | $55.69 | 12% | 12 strikes · skew -1.67 |
As of 2026-11-02 · updated
Related
About
- Industry (SIC)
- PERSONAL CREDIT INSTITUTIONS (6141) · industry map
- Exchange
- XNYS
- Market Cap
- $6.5B
- Employees
- 9,300
- List Date
- 2013-10-16
- CIK
- 0001584207
- Headquarters
- Evansville, IN
- Homepage
- https://www.onemainfinancial.com
OneMain Holdings Inc is a consumer finance company providing loan products to customers through its branch network and the internet. The company provides personal loan products; offers credit cards; offers optional credit insurance and others; offers a customer-focused financial wellness program, and acquisitions and dispositions of assets and businesses. It provides origination, underwriting, and servicing of personal loans to non-prime customers. The company operates in single reportable segment Consumer and Insurance which originates and services personal loans and auto finance loans, offer…
Summary
—
composite
—
No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | -0.94% | 2.26% | 30.41% | -3.64% | 7.16% | -5.11% | 5.02% |
| Feb | -1.68% | -2.24% | -0.74% | -1.34% | -1.48% | -15.82% | -3.88% |
| Mar | 11.41% | -0.27% | -14.36% | 4.89% | -5.93% | -3.83% | -1.35% |
| Apr | 3.42% | -4.33% | 3.96% | 3.74% | -4.08% | 8.79% | 1.92% |
| May | 2.97% | -5.87% | -2.70% | -3.23% | 8.93% | -2.26% | -0.36% |
| Jun | 0.28% | -13.09% | 11.82% | 0.19% | 10.59% | 11.34% | 3.52% |
| Jul | 0.91% | -3.40% | 3.13% | 8.27% | -0.74% | 3.56% | 1.96% |
| Aug | -4.73% | -9.65% | -8.79% | 1.75% | 9.51% | -3.43% | -2.56% |
| Sep | -2.67% | -14.58% | -5.22% | -2.95% | -7.61% | -9.36% | -7.07% |
| Oct | -7.42% | 24.07% | -8.44% | 8.66% | 6.06% | 1.22% | 4.03% |
| Nov | -6.50% | 0.15% | 16.37% | 15.21% | 1.06% | 0.00%* | 4.38% |
| Dec | -1.61% | -15.54% | 13.55% | -8.70% | 8.34% | -- | -0.79% |
| Total | -7.66% | -38.95% | 35.25% | 22.56% | 33.83% | -16.55% | 4.75% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $56.43
SMA 50: $58.90
SMA 200: $58.32
Current: $57.21
EMA 12: $56.97
EMA 26: $57.22
MACD: -0.2558 | Signal: 0.3575
BEARISH
ADX (14): 20.94
WEAK TREND
+DI: 23.58
−DI: 24.42
Momentum Oscillators
RSI (14): 49.75
NEUTRAL
Stoch %K: 66.58
Stoch %D: 78.87
Williams %R: -42.33
Volume & Volatility
BB Upper: $58.27
BB Lower: $54.59
NEUTRAL
OBV: 1,627,169
Vol SMA 20: 907,809
Vol ROC: 22.52%
ATR: $1.42
True Range: $1.21
HV 20: 27.6%
HV 30: 26.7%
HV 60: 26.1%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-11-01T00:00:00 – 2026-10-30T00:00:00
AI Analysis
OneMain Financial (OMF) - Comprehensive Stock Analysis Report
Executive Summary
Overall Assessment: BEARISH | Confidence Level: 7/10
OneMain Financial presents a challenging risk/reward profile characterized by deteriorating technical momentum colliding with severe negative sentiment catalysts. The stock is caught in a downtrend with weakening momentum indicators, while a critical data breach investigation and subprime lending headwinds create meaningful fundamental headwinds.
Key Drivers:
- Negative: Data breach investigation (SSN exposure), worst subprime auto delinquencies in 32 years, bearish technical structure with price below key moving averages
- Positive: High dividend yield (12.3% referenced), neutral to positive comparative analysis, options market pricing modest moves
Investment Thesis: OMF faces a confluence of operational risks (data breach) and cyclical headwinds (subprime delinquencies) that justify downside caution. While the 12.3% yield may attract income investors, deteriorating credit conditions in subprime lending pose structural risks. Technical breakdown below moving average support suggests further weakness likely before stabilization.
Recent News Sentiment Impact: STRONGLY NEGATIVE. The September 29, 2026 data breach announcement (most recent headline) directly correlates with the significant price action, aligning with the technical breakdown observed. This is a catalyst-driven decline, not merely technical weakness.
Technical Analysis
Trend Direction
| Timeframe | Assessment | Rationale | |-----------|-----------|-----------| | Short-term (1-4 weeks) | DOWNTREND | Price $56.02 trades below SMA 20 ($59.65), SMA 50 ($61.99), and SMA 200 ($59.60). EMA 12 ($57.57) above price but declining relative to EMA 26 ($59.43) | | Medium-term (1-3 months) | DOWNTREND | All major moving averages in bearish alignment (20/50/200 sequence). Price has broken below intermediate support | | Long-term (3-12 months) | MIXED/WEAKENING | SMA 200 at $59.60 acts as dynamic resistance. Price currently $3.58 below this level suggests potential longer-term weakness if support breaks |
Support/Resistance Levels
| Level | Type | Strength | Notes | |-------|------|----------|-------| | $65.51 | Resistance | STRONG | Upper Bollinger Band; psychological round number | | $61.99 | Resistance | MEDIUM | SMA 50; critical moving average | | $59.65 | Resistance | MEDIUM | SMA 20 & Bollinger Middle Band; recently broken below | | $59.60 | Support/Resistance | STRONG | SMA 200; key long-term reference; currently acting as resistance | | $56.02 | Current Price | — | Trading at intermediate support cluster | | $53.80 | Support | MEDIUM | Lower Bollinger Band; technical floor | | $52.00 | Support | UNKNOWN | Round number support (not directly indicated) |
Critical Observation: Price is consolidating between $53.80 (lower BB) and $59.60 (SMA 200), suggesting a range-bound environment after the recent breakdown. Breakdown below $53.80 would suggest further downside acceleration.
Momentum Signals
RSI (14): 32.16 - NEUTRAL/SLIGHTLY OVERSOLD
- Reading at 32.16 indicates mild oversold conditions (threshold is <30), positioning just above capitulation territory
- Not yet in extreme oversold (<20), suggesting some selling pressure remains but not panic-level
- This RSI level typically precedes bounce attempts or stabilization, though not guaranteed
- Combined with bearish MACD, suggests momentum exhaustion but not yet reversal
MACD: -1.86 / Signal: -0.42 / Histogram: -1.44 - BEARISH
- MACD (-1.86) trading significantly below signal line (-0.42) indicates sustained bearish momentum
- Histogram of -1.44 shows MACD moving further away from signal line, confirming bearish acceleration
- No crossover signals (would need MACD crossing above signal for bullish reversal)
- This is the most concerning momentum indicator - no signs of reversal yet
Stochastic Oscillators - OVERSOLD
- %K: 14.17 (well below 20 threshold for oversold)
- %D: 9.31 (extremely oversold)
- Both readings suggest price has been pushed down sharply; historically precedes bounces
- High divergence between %K and %D indicates momentum whiplash
Williams %R: -78.43 - SEVERELY OVERSOLD
- Reading well below -80 threshold indicates extreme oversold conditions
- This typically signals imminent bounce/mean reversion opportunity
- Caveat: During sustained downtrends with negative catalysts, oversold conditions can persist
Momentum Synthesis: Multiple oversold indicators (Stochastic, Williams %R) suggest bounce potential, but MACD bearish divergence and price below all major moving averages indicate the underlying trend remains down. This is a technical setup vulnerable to continued weakness despite near-term bounce possibilities.
Bollinger Bands Analysis
Current Position: NEUTRAL/BREAKDOWN PHASE
- Upper Band: $65.51
- Middle (SMA 20): $59.65
- Lower Band: $53.80
- Width: 19.62 (moderate bandwidth)
Interpretation:
- Price at $56.02 is positioned in the lower half of the band envelope, closer to lower band than middle
- This suggests price has moved lower but not yet at extreme mean-reversion levels (touching lower band)
- Width of 19.62 indicates volatility is contracting from recent highs, consistent with post-breakdown consolidation
- If price drops below $53.80, expect acceleration as protective stops trigger
- Upside resistance at middle band ($59.65) remains relevant but appears distant
Volume Analysis
Volume SMA 20: 954,898.85
- Current volume data not provided, limiting real-time assessment
- 20-day average is substantial, indicating institutional presence
On-Balance Volume (OBV): -453,375.36 (NEGATIVE)
- Negative OBV indicates cumulative selling pressure exceeds buying pressure
- This confirms that volume has been flowing into sells during recent decline
- Negative OBV during downtrend validates the quality of the down move (not fake weakness)
Volume Rate of Change: -32.64% (SIGNIFICANT DECLINE)
- Volume participation in the decline has decreased by 32.64%
- This suggests recent selling occurred on lighter volume, which is actually constructive for potential reversal
- If selling pressure eases while price remains down, bounce conditions may form
- Key Point: Diminishing selling volume on downside is a technical positive that contradicts the bearish picture
Volume Synthesis: While OBV confirms sellers are in control, the -32.64% volume rate of change suggests selling pressure is waning. This sets up potential for stabilization or bounce, though macro catalysts (data breach) may overwhelm technical positioning.
News & Sentiment Analysis
Recent Headlines Summary
| Date | Headline | Sentiment | Relevance | |------|----------|-----------|-----------| | 2026-09-29 | Data Breach: SSN Exposure / Investigation Launch | NEGATIVE | MOST CRITICAL - Regulatory/reputational risk; recent catalyst | | 2026-07-12 | Subprime Auto Delinquencies at 32-Year High | NEGATIVE | Cyclical headwind affecting loan portfolio quality | | 2026-07-06 | Nu vs. OneMain Comparison | NEUTRAL | Informational; positions OMF as "dividend payer" | | 2026-06-17 | OneMain vs. Upstart Comparison | NEUTRAL | Informational; competitive positioning | | 2026-05-29 | "7 Outcasts Paying 12.3%" | POSITIVE | Highlights attractive dividend yield | | 2026-04-22 | Investor Alert: Legal Investigation Launch | NEGATIVE | Secondary legal investigation; compounding negatives |
Sentiment Assessment
Aggregate Sentiment: NEGATIVE (65%) | NEUTRAL (25%) | POSITIVE (10%)
Breakdown:
- 3 Negative Headlines: Data breach (most recent/critical), delinquency environment, shareholder investigation
- 2 Neutral Headlines: Comparative analysis pieces (no new information
Generated
News
All OMF news →
Managed receivables grew 9% as credit metrics improved and auto finance scaled.
Earnings History
22 of 24 under expected move
Avg Expected Move
8.80%
Avg Actual Move
3.14%
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2021-02-08 | Pre-Market | 6.53% | 1.21% | 0.19x | Within |
| 2021-04-26 | Pre-Market | 9.66% | 1.32% | 0.14x | Within |
| 2021-07-21 | Pre-Market | 9.20% | 2.45% | 0.27x | Within |
| 2021-10-20 | Pre-Market | 8.95% | 1.79% | 0.20x | Within |
| 2022-02-02 | Pre-Market | 8.11% | 0.25% | 0.03x | Within |
| 2022-04-28 | Pre-Market | 10.22% | 4.18% | 0.41x | Within |
| 2022-07-27 | Pre-Market | 11.12% | 2.82% | 0.25x | Within |
| 2022-10-26 | Pre-Market | 14.09% | 0.18% | 0.01x | Within |
| 2023-02-07 | Pre-Market | 8.39% | 10.61% | 1.26x | Exceeded |
| 2023-04-25 | Pre-Market | 8.91% | 0.05% | 0.01x | Within |
| 2023-07-26 | Pre-Market | 7.18% | 6.29% | 0.88x | Within |
| 2023-10-25 | Pre-Market | 10.80% | 2.59% | 0.24x | Within |
| 2024-02-07 | Pre-Market | 7.06% | 5.42% | 0.77x | Within |
| 2024-04-30 | Pre-Market | 8.52% | 2.48% | 0.29x | Within |
| 2024-07-31 | Pre-Market | 7.62% | 1.66% | 0.22x | Within |
| 2024-10-30 | Pre-Market | 9.00% | 9.35% | 1.04x | Exceeded |
| 2025-01-31 | Pre-Market | 8.36% | 3.22% | 0.39x | Within |
| 2025-04-29 | Pre-Market | 9.56% | 1.06% | 0.11x | Within |
| 2025-07-25 | Pre-Market | 7.80% | 1.30% | 0.17x | Within |
| 2025-10-31 | Pre-Market | 8.70% | 6.17% | 0.71x | Within |
| 2026-02-05 | Pre-Market | 7.83% | 1.44% | 0.18x | Within |
| 2026-05-01 | Pre-Market | 7.61% | 3.71% | 0.49x | Within |
| 2026-07-29 | Pre-Market | 7.95% | 1.12% | 0.14x | Within |
| 2026-10-30 | Pre-Market | 7.96% | 4.70% | 0.59x | Within |
Earnings calendar: this week’s reports with expected vs actual moves →
OMF Options Activity & IV Rank
OMF IV rank history, 52-week IV rank and IV percentile →
Volatility Metrics
Current IV: 30.1%
7-DTE IV: 31.9%
Expected Move: $3.27
7-DTE Move: $3.27
Days to Exp: 18 (2026-11-20)
Options Flow
Call Volume: 211
Put Volume: 205
P/C Volume: 0.972
NEUTRAL
Call OI: 5,334
Put OI: 14,350
P/C OI: 2.69
Total OI: 19,684
ATM Options Pricing
ATM Call: $1.15
ATM Put: $2.12
Call %: 2.0%
Put %: 3.7%
Chain Summary
Chain Volume: 2,900
Chain OI: 24,778
Last Updated: 11/2/2026
Spread Scanner GPU
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score (GPU scanner)
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
Dealer Positioning
LOW γ vs HISTORY
Estimated net dealer gamma is at the 12th percentile of this name's own daily history, near the low end of its range. This describes current positioning; it is not a forecast or a trading signal.
Gamma percentile
12%
vs own history
GEX tilt
-0.27
OI-weighted, today
Vanna tilt
+0.91
δ-sensitivity to IV
Charm tilt
-0.93
δ-decay vs time
Vanna tilt +0.91: the estimated dealer exposure leans positive, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.93: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.
? What is this?
· 30 ATM contracts, 17k total OI
Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.
Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.
Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.
This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
100%
+31.9
pts
EXTREME
ATM 31.8% / Wing 63.7%
30 DTE / 10d
—
—
pts
EXTREME
No data
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Enter a ticker to render the implied volatility surface.
Volatility Smile
Enter a ticker to render the implied volatility smile.
IV Rank (7 DTE)45.8MediumNov 2
IV Rank (30 DTE)47.3MediumNov 2
Straddle Price (30 DTE)$3.27Nov 2
Beta Analysis
Risk Metrics
Beta: 1.0571
Alpha: -10.30%
Correlation: 0.4706
R-Squared: 22.1%
Stock Volatility: 28.7%
Market Volatility: 12.8%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Above average volatility - stock moves with market amplification
Above average volatility - stock moves with market amplification
Beta & Alpha Over Time
Notable investors who own OMF
4 of 37 tracked investors
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Citadel Hedge fund Ken Griffin | $9.6M | #1616 of 6285 | -47.3% | 13F | |
| Bridgewater Associates Hedge fund Ray Dalio | $3.7M | #541 of 997 | -44.5% | 13F | |
| Millennium Management Hedge fund Izzy Englander | $1.7M | #2648 of 3716 | +362.0% | 13F | |
| Rockefeller Capital Management Family office Rockefeller family | $437K | #2159 of 4729 | -1.1% | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
OMF Institutional Ownership (13F)
Latest filings — 2026-09-30
? 13F Guide
Diluted shares outstanding: 117,929,115 (as of 2026-06-30)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
11 filers$47.40M notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Susquehanna International Group, LLP Custodian | $19.75M | 41.66% | 2026-06-30 |
| 2 | Jane Street Group, LLC Custodian | $5.41M | 11.42% | 2026-06-30 |
| 3 | Citadel Advisors LLC Custodian | $5.19M | 10.95% | 2026-06-30 |
| 4 | PEAK6 LLC | $4.69M | 9.89% | 2026-06-30 |
| 5 | Interval Partners, LP | $4.63M | 9.78% | 2026-06-30 |
| 6 | D. E. Shaw & Co., Inc. Custodian | $3.23M | 6.80% | 2026-06-30 |
| 7 | Twin Tree Management, LP | $2.21M | 4.67% | 2026-06-30 |
| 8 | Walleye Capital LLC | $1.48M | 3.13% | 2026-06-30 |
| 9 | TUDOR INVESTMENT CORP ET AL | $347.53K | 0.73% | 2026-06-30 |
| 10 | CSS LLC/IL | $304.85K | 0.64% | 2026-06-30 |
| 11 | Walleye Trading LLC | $152.43K | 0.32% | 2026-06-30 |
11 filers$78.02M notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Susquehanna International Group, LLP Custodian | $23.08M | 29.59% | 2026-06-30 |
| 2 | PEAK6 LLC | $20.96M | 26.87% | 2026-06-30 |
| 3 | IMC-Chicago, LLC Custodian | $8.00M | 10.25% | 2026-06-30 |
| 4 | Jane Street Group, LLC Custodian | $7.67M | 9.83% | 2026-06-30 |
| 5 | GROUP ONE TRADING LLC Custodian | $7.19M | 9.22% | 2026-06-30 |
| 6 | Citadel Advisors LLC Custodian | $3.34M | 4.27% | 2026-06-30 |
| 7 | UBS Group AG Custodian | $3.04M | 3.90% | 2026-06-30 |
| 8 | Walleye Trading LLC | $1.90M | 2.43% | 2026-06-30 |
| 9 | Walleye Capital LLC | $1.50M | 1.92% | 2026-06-30 |
| 10 | Simplex Trading, LLC Custodian | $1.34M | 1.71% | 2026-06-30 |
| 11 | OCONNOR, A Distinct Business Unit of UBS ASSET MANAGEMENT AMERICAS (LLC) | $5.64K | <0.01% | 2025-12-31 |
OMF Insider Trading (Form 4)
Latest: 2026-08-06Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-08-06 | Micah R. Conrad | EVP & COO | Sell (S) | −5,000 | $65.40 | -$327.0K | EDGAR |
| 2026-07-31 | Michael A Hedlund | pao, SVP and Group Controller | Sell (S) | −2,500 | $64.00 | -$160.0K | EDGAR |
| 2026-04-20 | Micah R. Conrad | EVP & COO | Sell (S) | −5,000 | $60.00 | -$300.0K | EDGAR |
| 2026-02-27 | Micah R. Conrad | EVP & COO | Sell (S) | −5,000 | $58.00 | -$290.0K | EDGAR |
| 2026-02-24 | Jeannette E Osterhout | EVP & CFO | Tax (F) | −10,862 | $57.53 | -$624.9K | EDGAR |
| 2026-02-24 | Micah R. Conrad | EVP & COO | Tax (F) | −10,567 | $57.53 | -$607.9K | EDGAR |
| 2026-02-24 | Michael A Hedlund | pao, SVP and Group Controller | Tax (F) | −3,123 | $57.53 | -$179.7K | EDGAR |
| 2026-02-24 | Douglas H. Shulman | President & CEO | Tax (F) | −39,863 | $57.53 | -$2.29M | EDGAR |
| 2026-02-13 | Phyllis R Caldwell | Director | Award (A) | +3,243 | — | EDGAR | |
| 2026-02-13 | Christopher A Halmy | Director | Award (A) | +3,243 | — | EDGAR | |
| 2026-02-13 | Andrew D Macdonald | Director | Award (A) | +3,243 | — | EDGAR | |
| 2026-02-13 | Philip Bronner | Director | Award (A) | +3,243 | — | EDGAR | |
| 2026-02-13 | Richard A Smith | Director | Award (A) | +3,243 | — | EDGAR | |
| 2026-02-13 | Micah R. Conrad | EVP & COO | Award (A) | +18,326 | — | EDGAR | |
| 2026-02-13 | Jeannette E Osterhout | EVP & CFO | Award (A) | +24,326 | — | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
OMF Insider Holdings
12 insiders · @ $57.21
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Douglas H. Shulman | President & CEO | 266,597 | $15.25M | -$14.52M | 48 | 2026-02-24 |
| 2 | Jeannette E Osterhout | EVP & CFO | 93,542 | $5.35M | $0 | 7 | 2026-02-24 |
| 3 | Micah R. Conrad | EVP & COO | 91,250 | $5.22M | -$3.32M | 38 | 2026-08-06 |
| 4 | Keating Valerie Soranno | Director | 53,269 | $3.05M | $0 | 9 | 2025-02-10 |
| 5 | Roy A Guthrie | Director | 49,155 | $2.81M | $0 | 10 | 2026-02-13 |
| 6 | Richard A Smith | Director | 30,812 | $1.76M | $76.2K | 10 | 2026-02-13 |
| 7 | Phyllis R Caldwell | Director | 18,246 | $1.04M | $0 | 6 | 2026-02-13 |
| 8 | Philip Bronner | Director | 16,945 | $969.4K | $0 | 6 | 2026-02-13 |
| 9 | Toos Daruvala | Director | 16,171 | $925.1K | $0 | 5 | 2026-02-13 |
| 10 | Michael A Hedlund | pao, SVP and Group Controller | 10,627 | $608.0K | -$1.04M | 29 | 2026-07-31 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
OMF Board & Officers
As of SEC filings through Aug 6, 2026Directors 8
- Roy A Guthrie · since Oct 15, 2013
- Richard A Smith · since Jun 25, 2018
- Douglas H. Shulman · since Sep 8, 2018
- Phyllis R Caldwell · since Jun 1, 2021
- Philip Bronner · since Nov 8, 2021
- Toos Daruvala · since Feb 14, 2022
- Andrew D Macdonald · since Mar 17, 2025
- Christopher A Halmy · since Jun 10, 2025
Officers 4
- Douglas H. Shulman · President & CEO · since Sep 8, 2018
- Jeannette E Osterhout · EVP & CFO · since Mar 31, 2024
- Micah R. Conrad · EVP & COO · listed since May 2024
- Michael A Hedlund · pao, SVP and Group Controller · listed since Feb 2021
Changes in the last 10 years (59)
| Jun 10, 2025 | Christopher A Halmy became a director |
| Mar 17, 2025 | Andrew D Macdonald became a director |
| May 15, 2024 | Micah R. Conrad listed as EVP & COO (previously EVP and CFO) in SEC filings |
| Apr 1, 2024 | The company announced the departure of Rajive Chadha as Chief Operating Officer & EVP in an SEC filing |
| Mar 31, 2024 | Jeannette E Osterhout became EVP & CFO |
| Feb 14, 2022 | Toos Daruvala became a director |
| Nov 8, 2021 | Philip Bronner became a director |
| Nov 1, 2021 | The company announced the departure of Lisa Green Hall from the board in an SEC filing |
| Oct 18, 2021 | OMH Holdings, L.P. reported in an SEC filing no longer being a 10% owner |
| Oct 18, 2021 | Apollo Uniform GP, LLC reported in an SEC filing no longer being a 10% owner |
| Oct 18, 2021 | Apollo Management, L.P. reported in an SEC filing no longer being a 10% owner |
| Oct 18, 2021 | Apollo Management VIII, L.P. reported in an SEC filing no longer being a 10% owner |
| Oct 18, 2021 | Apollo Management Holdings, L.P. reported in an SEC filing no longer being a 10% owner |
| Oct 18, 2021 | Apollo Management Holdings GP, LLC reported in an SEC filing no longer being a 10% owner |
| Oct 18, 2021 | Apollo Management GP, LLC reported in an SEC filing no longer being a 10% owner |
| Oct 18, 2021 | AIF VIII Management, LLC reported in an SEC filing no longer being a 10% owner |
| Jun 1, 2021 | Phyllis R Caldwell became a director |
| Feb 1, 2021 | Michael A Hedlund listed as pao, SVP and Group Controller (previously principal accounting officer) in SEC filings |
| Jul 16, 2020 | Lisa Green Hall became a director |
| Feb 14, 2020 | John Charles Anderson reported in an SEC filing no longer being EVP |
| Feb 7, 2020 | Michael A Hedlund listed as principal accounting officer (previously pao, SVP and Group Controller) in SEC filings |
| Jul 15, 2019 | Rajive Chadha became Chief Operating Officer & EVP |
| Mar 26, 2019 | Micah R. Conrad became EVP and CFO |
| Sep 14, 2018 | Jay N. Levine no longer listed as President and CEO in SEC filings |
| Sep 8, 2018 | Douglas H. Shulman became a director |
| Sep 8, 2018 | Douglas H. Shulman became President & CEO |
| Jun 27, 2018 | Springleaf Financial Holdings, LLC reported in an SEC filing no longer being a director |
| Jun 27, 2018 | Springleaf Financial Holdings, LLC reported in an SEC filing no longer being a 10% owner |
| Jun 27, 2018 | Fortress Operating Entity I LP reported in an SEC filing no longer being a director |
| Jun 27, 2018 | Fortress Operating Entity I LP reported in an SEC filing no longer being a 10% owner |
| Jun 27, 2018 | Fortress Investment Group LLC reported in an SEC filing no longer being a director |
| Jun 27, 2018 | Fortress Investment Group LLC reported in an SEC filing no longer being a 10% owner |
| Jun 27, 2018 | Fig LLC reported in an SEC filing no longer being a director |
| Jun 27, 2018 | Fig LLC reported in an SEC filing no longer being a 10% owner |
| Jun 27, 2018 | FIG Corp. reported in an SEC filing no longer being a director |
| Jun 27, 2018 | FIG Corp. reported in an SEC filing no longer being a 10% owner |
| Jun 27, 2018 | FCFI Acquisition LLC reported in an SEC filing no longer being a director |
| Jun 27, 2018 | FCFI Acquisition LLC reported in an SEC filing no longer being a 10% owner |
| Jun 25, 2018 | Richard A Smith became a director |
| Jun 25, 2018 | Peter B Sinensky became a director |
| Jun 25, 2018 | OMH Holdings, L.P. became a 10% owner |
| Jun 25, 2018 | Matthew Michelini became a director |
| Jun 25, 2018 | Marc Becker became a director |
| Jun 25, 2018 | Keating Valerie Soranno became a director |
| Jun 25, 2018 | Apollo Uniform GP, LLC became a 10% owner |
| Jun 25, 2018 | Apollo Management, L.P. became a 10% owner |
| Jun 25, 2018 | Apollo Management VIII, L.P. became a 10% owner |
| Jun 25, 2018 | Apollo Management Holdings, L.P. became a 10% owner |
| Jun 25, 2018 | Apollo Management Holdings GP, LLC became a 10% owner |
| Jun 25, 2018 | Apollo Management GP, LLC became a 10% owner |
| Jun 25, 2018 | Aneek Mamik became a director |
| Jun 25, 2018 | AIF VIII Management, LLC became a 10% owner |
| Mar 21, 2017 | Bradford D. Borchers listed as EVP, Branch Operations (previously Executive Vice President) in SEC filings |
| Feb 17, 2017 | Michael A Hedlund listed as pao, SVP and Group Controller (previously principal accounting officer) in SEC filings |
| Jan 5, 2017 | Angela Celestin listed as EVP, Human Resources (previously EVP) in SEC filings |
| Jan 4, 2017 | Timothy S Ho reported in an SEC filing no longer being EVP, Digital Operations |
| Dec 8, 2016 | Robert Hurzeler listed as EVP and COO (previously EVP, Auto Lending) in SEC filings |
| Nov 21, 2016 | David P. Hogan listed as EVP, Analytics and Marketing (previously EVP, Risk Analytics and Mktg.) in SEC filings |
| Nov 14, 2016 | John Charles Anderson listed as EVP (previously EVP, Capital Markets) in SEC filings |
Not reported recently (16)
- Keating Valerie Soranno · Last reported as a director in an SEC filing dated Feb 10, 2025
- Aneek Mamik · Last reported as a director in an SEC filing dated Jun 13, 2022
- Jay N. Levine · Last reported as a director in an SEC filing dated Nov 25, 2020
- Robert Hurzeler · Last reported as EVP and COO in an SEC filing dated Mar 22, 2019
- Scott T Parker · Last reported as EVP and CFO in an SEC filing dated Mar 22, 2019
- Matthew Michelini · Last reported as a director in an SEC filing dated Jun 27, 2018
- Peter B Sinensky · Last reported as a director in an SEC filing dated Jun 27, 2018
- Marc Becker · Last reported as a director in an SEC filing dated Jun 27, 2018
- Lawrence N. Skeats · Last reported as EVP and CAO in an SEC filing dated Feb 22, 2018
- Angela Celestin · Last reported as EVP, Human Resources in an SEC filing dated Feb 22, 2018
- Bradford D. Borchers · Last reported as EVP, Branch Operations in an SEC filing dated Jan 4, 2018
- David P. Hogan · Last reported as EVP, Analytics and Marketing in an SEC filing dated Jan 4, 2018
- Anahaita N. Kotval · Last reported as a director in an SEC filing dated Jan 3, 2018
- Douglas L Jacobs · Last reported as a director in an SEC filing dated Jan 3, 2018
- Ronald M. Lott · Last reported as a director in an SEC filing dated Jan 3, 2018
- Wesley R Edens · Last reported as a director in an SEC filing dated Dec 18, 2017
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
OMF Proposed Insider Sales (Form 144)
Latest: 2026-08-04
? Form 144 Guide
Last 30d:
0 filings
· Last 90d:
1 filing
· $328K notice value
· 1 unique filer
What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.
How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.
10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.
"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.
Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.
Top 90-day filers:
Conrad Micah R. (1, $328K)
| Filed | Filer | Role | Shares | Notice Value | Planned Sale | Broker | Plan | Link |
|---|---|---|---|---|---|---|---|---|
| 2026-08-04 | Conrad Micah R. | Officer | 5,000 | $327.5K | 2026-08-04 | Rockefeller Capital Management | — | EDGAR |
| 2026-07-29 | Hedlund Michael A | Officer | 2,500 | $160.0K | 2026-07-29 | Fidelity Brokerage Services LLC | 10b5-1 | EDGAR |
| 2026-06-29 | Conrad Micah R. | Officer | 5,000 | $310.0K | 2026-06-29 | Rockefeller Capital Management | 10b5-1 | EDGAR |
| 2026-06-29 | Hedlund Michael A | Officer | 1,848 | $114.6K | 2026-06-29 | Fidelity Brokerage Services LLC | 10b5-1 | EDGAR |
| 2026-04-17 | Conrad Micah R. | Officer | 5,000 | $300.0K | 2026-04-17 | Rockefeller Capital Management | 10b5-1 | EDGAR |
| 2026-02-26 | Conrad Micah R. | Officer | 5,000 | $290.0K | 2026-02-26 | Rockefeller Capital Management | 10b5-1 | EDGAR |
| 2026-01-02 | Shulman Douglas H. | Officer, Director | 57,500 | $3.93M | 2026-01-02 | Fidelity Brokerage Services LLC | 10b5-1 | EDGAR |
| 2025-11-26 | Hedlund Michael A | Officer | 652 | $40.4K | 2025-11-26 | Fidelity Brokerage Services LLC | 10b5-1 | EDGAR |
| 2025-11-07 | Conrad Micah R. | Officer | 5,000 | $296.0K | 2025-11-07 | Rockefeller Capital Management | — | EDGAR |
| 2025-11-03 | Shulman Douglas H. | Officer, Director | 35,000 | $2.08M | 2025-11-03 | Fidelity Brokerage Services LLC | 10b5-1 | EDGAR |
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
Recent SEC Filings
Latest: 2026-05-01
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
| Filing Date | Accession | Link |
|---|---|---|
| 2026-05-01 | 0001584207-26-000018 | EDGAR |
| 2026-02-05 | 0001584207-26-000004 | EDGAR |
| 2025-12-18 | 0001140361-25-046022 | EDGAR |
| 2025-12-05 | 0001140361-25-044575 | EDGAR |
| 2025-10-31 | 0001584207-25-000044 | EDGAR |
| 2025-09-17 | 0001140361-25-035253 | EDGAR |
| 2025-09-04 | 0001140361-25-033997 | EDGAR |
| 2025-08-12 | 0001140361-25-030579 | EDGAR |
| 2025-07-30 | 0001140361-25-028029 | EDGAR |
| 2025-07-25 | 0001584207-25-000033 | EDGAR |
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
| Filing Date | Accession | Link |
|---|---|---|
| 2026-02-06 | 0001584207-26-000008 | EDGAR |
| 2025-02-07 | 0001584207-25-000006 | EDGAR |
| 2024-02-13 | 0001584207-24-000005 | EDGAR |
| 2023-02-10 | 0001584207-23-000012 | EDGAR |
| 2022-02-11 | 0001584207-22-000005 | EDGAR |
| 2021-02-09 | 0001584207-21-000006 | EDGAR |
| 2020-02-14 | 0001584207-20-000011 | EDGAR |
| 2019-02-15 | 0001584207-19-000005 | EDGAR |
| 2018-02-21 | 0001584207-18-000009 | EDGAR |
| 2017-02-21 | 0001584207-17-000008 | EDGAR |
Quarterly report — unaudited financials and MD&A. Filed 40–45 days after each of the first three fiscal quarters.
| Filing Date | Accession | Link |
|---|---|---|
| 2026-05-01 | 0001584207-26-000020 | EDGAR |
| 2025-10-31 | 0001584207-25-000046 | EDGAR |
| 2025-07-29 | 0001584207-25-000038 | EDGAR |
| 2025-05-02 | 0001584207-25-000025 | EDGAR |
| 2024-10-30 | 0001584207-24-000028 | EDGAR |
| 2024-08-01 | 0001584207-24-000021 | EDGAR |
| 2024-05-01 | 0001584207-24-000014 | EDGAR |
| 2023-10-26 | 0001584207-23-000028 | EDGAR |
| 2023-07-28 | 0001584207-23-000023 | EDGAR |
| 2023-04-28 | 0001584207-23-000016 | EDGAR |
ETF Holders
133 ETFs hold OMF
25 shown · $1.24B total exposure · 0.16% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.01% | $202.5M | — | 2026-09-30 |
| 2 | VB Vanguard Morningstar Small-Cap ETF | Vanguard | 0.08% | $144.1M | — | 2026-09-30 |
| 3 | DVY iShares Select Dividend ETF | iShares (BlackRock) | 0.59% | $139.2M | $23.7B | 2026-10-30 |
| 4 | DFAT Dimensional US Targeted Value ETF | Dimensional | 0.34% | $107.5M | — | 2026-10-29 |
| 5 | AVUV Avantis U.S. Small Cap Value ETF | Avantis | 0.32% | $103.8M | $32.5B | 2026-10-29 |
| 6 | VBR Vanguard Morningstar Small-Cap Value ETF | Vanguard | 0.15% | $93.7M | — | 2026-09-30 |
| 7 | VXF Vanguard Extended Market ETF | Vanguard | 0.08% | $71.7M | — | 2026-09-30 |
| 8 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.15% | $51.8M | — | 2026-10-29 |
| 9 | SCHA Schwab U.S. Small-Cap ETF | Nport | 0.14% | $31.1M | — | 2026-05-31 |
| 10 | AVLV Avantis U.S. Large Cap Value ETF | Avantis | 0.12% | $28.0M | $22.6B | 2026-10-29 |
| 11 | IWR iShares Russell Mid-Cap ETF | iShares (BlackRock) | 0.05% | $27.7M | $58.1B | 2026-10-30 |
| 12 | VYM Vanguard High Dividend Yield ETF | Vanguard | 0.03% | $26.0M | — | 2026-09-30 |
| 13 | DON WisdomTree U.S. Midcap Dividend Fund | Nport | 0.62% | $24.8M | — | 2026-06-30 |
| 14 | DFAC Dimensional US Core Equity 2 ETF | Dimensional | 0.03% | $24.6M | — | 2026-10-29 |
| 15 | FDL First Trust Morningstar Dividend Leaders Index Fund | First Trust | 0.26% | $22.0M | $8.4B | 2026-10-30 |
| 16 | FGD First Trust Dow Jones Global Select Dividend Index Fund | First Trust | 1.28% | $20.5M | $1.6B | 2026-10-30 |
| 17 | TSME Thrivent Small-Mid Cap Equity ETF | Nport | 1.83% | $19.3M | — | 2026-06-30 |
| 18 | SCHM Schwab U.S. Mid-Cap ETF | Nport | 0.12% | $17.5M | — | 2026-05-31 |
| 19 | FNDX Schwab Fundamental U.S. Large Company ETF | Nport | 0.06% | $15.9M | — | 2026-08-31 |
| 20 | IWD iShares Russell 1000 Value ETF | iShares (BlackRock) | 0.02% | $14.3M | $83.2B | 2026-10-30 |
| 21 | FXO First Trust Financials AlphaDEX® Fund | First Trust | 1.22% | $12.9M | $1.1B | 2026-10-30 |
| 22 | DCOR Dimensional US Core Equity 1 ETF | Dimensional | 0.03% | $12.7M | — | 2026-10-29 |
| 23 | BSJR Invesco BulletShares 2027 High Yield Corporate Bond ETF | Invesco | 1.33% | $12.5M | — | 2026-10-29 |
| 24 | VFH Vanguard Financials ETF | Vanguard | 0.08% | $10.6M | — | 2026-09-30 |
| 25 | DGRW WisdomTree U.S. Quality Dividend Growth Fund | Nport | 0.06% | $9.5M | — | 2026-06-30 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
Trailing P/E
8.63
TTM Diluted EPS
$6.64
TTM Revenue
$6.37B
TTM Net Income
$781.00M
TTM Op. Cash Flow
$3.23B
Quarterly figures (12 quarters)
| Quarter | Period End | Revenue | Net Income | Diluted EPS | Op. Cash Flow |
|---|---|---|---|---|---|
| Q2 '26 | 2026-06-30 | $1.62B | $152.00M | $1.32 | $800.00M |
| Q1 '26 | 2026-03-31 | $1.58B | $226.00M | $1.93 | $739.00M |
| Q4 '25 | 2025-12-31 | $1.61B | $204.00M | $1.72 | $865.00M |
| Q3 '25 | 2025-09-30 | $1.55B | $199.00M | $1.67 | $828.00M |
| Q2 '25 | 2025-06-30 | $1.51B | $167.00M | $1.40 | $774.00M |
| Q1 '25 | 2025-03-31 | $1.50B | $213.00M | $1.78 | $665.00M |
| Q4 '24 | 2024-12-31 | $1.48B | $126.00M | $1.06 | $752.00M |
| Q3 '24 | 2024-09-30 | $1.46B | $157.00M | $1.31 | $677.00M |
| Q2 '24 | 2024-06-30 | $1.39B | $71.00M | $0.59 | $712.00M |
| Q1 '24 | 2024-03-31 | $1.35B | $155.00M | $1.29 | $558.00M |
| Q4 '23 | 2023-12-31 | $1.37B | $165.00M | $1.38 | $678.00M |
| Q3 '23 | 2023-09-30 | $1.35B | $194.00M | $1.61 | $596.00M |
Q2 2026 • period ending 2026-06-30 • filed 2026-07-30
Valuation
Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.
Price Multiples
- P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
- P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
- P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
- EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
- EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
- ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
- ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
- Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
- FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
- Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
- Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
- Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
- Multiples expanding while earnings are flat = sentiment-driven rally.
- Multiples compressing while earnings grow = value coming from fundamentals.
P/E
8.63
P/B
2.00
P/S
1.06
EV/EBITDA
28.85
EV/Sales
4.54
ROE
23.1%
ROA
2.8%
Div Yield
7.30%
FCF Yield
47.80%
Debt/Equity
6.73
Current Ratio
—
Market Cap
$6.76B
as of 2026-11-02
Short Interest & Float
Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.
Metric definitions
- Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
- SI % of Float — short interest / free float. The key crowding metric.
- Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
- Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
- Free Float — shares available for public trading (total shares minus insider / restricted).
- Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
- SI % of Float < 5% — typical, no particular signal.
- 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
- 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
- >30% — extreme; borrow is likely expensive and squeeze risk is material.
- Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
- Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
- A sudden drop in SI after a rally may indicate a squeeze in progress.
Short interest is reported mid-month and end-of-month; short volume is daily.
Short Interest
4.10M
SI % of Float
3.58%
Days to Cover
4.62
Short Vol Ratio
59.7%
Free Float
114.77M
Float %
99.8%
Short interest 2026-10-15 • Short volume 2026-10-30 • Float 2026-08-07