Discounted Cash Flow

Onemain Holdings, Inc.

OMF · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2016 $449.0m $215.0m $1.3b 47.9% $1.60
2017 $420.0m (-6.5%) $183.0m (-14.9%) $1.6b (17.3%) 43.6% (-9.0%) $1.35 (-15.6%)
2018 $429.0m (2.1%) $447.0m (144.3%) $2.0b (31.6%) 104.2% (139.1%) $3.29 (143.7%)
2019 $460.0m (7.2%) $855.0m (91.3%) $2.4b (15.4%) 185.9% (78.4%) $6.28 (90.9%)
2020 $443.0m (-3.7%) $730.0m (-14.6%) $2.2b (-6.4%) 164.8% (-11.3%) $5.42 (-13.7%)
2021 $434.0m (-2.0%) $1.3b (80.0%) $2.2b (1.6%) 302.8% (83.7%) $9.90 (82.7%)
2022 $445.0m (2.5%) $878.0m (-33.2%) $2.4b (6.2%) 197.3% (-34.8%) $7.07 (-28.6%)
2023 $448.0m (0.7%) $641.0m (-27.0%) $2.5b (5.5%) 143.1% (-27.5%) $5.33 (-24.6%)
2024 $445.0m (-0.7%) $509.0m (-20.6%) $2.7b (7.1%) 114.4% (-20.1%) $4.26 (-20.1%)
2025 $445.0m (0.0%) $783.0m (53.8%) $3.1b (16.0%) 176.0% (53.8%) $6.59 (54.7%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Values abbreviated: b = billions, m = millions, k = thousands.

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model