OneMain股票讨论

派珀·桑德勒分析师对OneMain的信贷表现感到担忧，并预测由于投资回报率接近峰值和未来承保利润率稳定，美国金融集团的收益增长有限。他们还强调了AFG在过去四个季度中盈利未达到预期的令人担忧的趋势。

市场对该股缺乏热情，这体现在其低市盈率上。尽管股价增长放缓，但长期前景表明该业务值得关注。

尽管OneMain Holdings的盈利前景强劲，股票表现稳健，但市盈率的低迷意味着市场对未来收益的潜在波动持怀疑态度。

以下是收盘后市值超过50亿美元的股票的最大涨跌幅度（缺口从大到小不等）：
Gap Up
1。 $联合太平洋(UNP.US)$ -上涨7.3％
2。 $利西亚车行(LAD.US)$ -上涨4.6％
3. $谷歌-A(GOOGL.US)$ -上涨4.2％
4。 $谷歌-C(GOOG.US)$ -上涨4.1％
5。 $小鹏汽车(XPEV.US)$ -上涨4.0％
6。 $波音(BA.US)$ -上涨 3.2%
7。 $RPM International(RPM.US)$ -上涨 3.2%
8。 $桑坦德银行(SAN.US)$ -上涨 1.9%
9。 $Teladoc Health(TDOC.US)$ -上涨1.8％...

$OneMain(OMF.US)$主要做消费贷，5年来营收保持增长，营收主要以利息收入为主，利息收入也保持了5年增长，除2021年外，信贷损失准备金均超过10亿，净利润的波动也主要由这部分引起。
资产负债率5年来从81%提升到了86.6%，资产主要由贷款组成，商誉和其他无形资产17亿，占净资产的56%，负债主要由长期借款构成，不会面临SVB那样的挤兑境地。
净资产30.29亿，有6.67亿的库存股，但是不足以抵消商誉和其他无形资产。
目前市盈率5.2，市净率1.5，估值上吸引力不大。

升级
• $阿姆斯特朗工业(AWI.US)$ : 高盛从中性上调至买入——PT 93美元
• $BioNTech(BNTX.US)$: SVB 证券从市场表现上调至跑赢大盘——PT 223 美元
• $CCC Intelligent Solutions Holdings(CCCS.US)$ : 高盛从中性上调至买入——12港元（从10美元起）
• $PowerSchool(PWSC.US)$ ：高盛从卖出上调至中性——16美元（从15.50美元）
• $Shyft Group(SHYF.US)$ : DA Davi...

$Digital World Acquisition Corp(DWAC.US)$, the SPAC that recently agreed to combine with Donald Trump's Trump Media and Technology Group, soars more than nine-fold to take the top spot among the week's five biggest financial gainers (with market cap over $2B) by a wide margin.
By contrast, the second-biggest increase for the week, normally an impressive rise, looks less stellar — $Athene Holding Ltd(ATH.US)$, +19%, after its parent $阿波罗全球管理(APO.US)$ laid out its plan for 18% CAGR for fee-related earnings through 2026 during its investor day.
Apollo Global, as the third biggest gainer, rose almost as much at 18%;
Pet health insurer $Trupanion(TRUP.US)$ gains 18%;
$奇富科技(QFIN.US)$, +13%, partly recovers from the Chinese fintech slump triggered by Beijing's new data privacy law.
Among the stocks falling the most for the week, $Upstart(UPST.US)$ declined the most, down 12%, after the stock received a double-downgrade at BofA Securities on the basis that the stock's near-term upside is already priced in.
Brazilian bank, Banco Santander (Brasil) follows, -11%;
$PayPal(PYPL.US)$ dropped 10% during the week after reports that it's in talks to buy Pinterest for ~$45B, mostly in stock;
$OneMain(OMF.US)$, -9.1%, reported Q3 earnings beat estimates, but revenue was in-line; and
Crypto-focused $Silvergate Capital(SI.US)$, which reported better-than-expected Q3 earnings, saw its stock slip 8.5% during the week.