13 Extreme Dividend Stocks With Huge Upside Potential

6. OneMain Holdings, Inc. (NYSE:OMF)

Dividend Yield as of March 13: 8.05%

Upside Potential as of March 13: 31.02%

On March 9, BofA analyst Mihir Bhatia lowered the firm’s price recommendation on OneMain Holdings, Inc. (NYSE:OMF) to $66 from $74. It reiterated a Buy rating on the shares. The firm said it is adjusting price targets for several consumer finance stocks to reflect a more uncertain macro outlook and lower market multiples.

During the Q4 2025 earnings call, CEO Douglas Shulman said the company delivered a strong performance for the year. He pointed to solid earnings growth and steady progress across the company’s strategic priorities. Shulman reported that full-year C&I earnings per share reached $6.66, a 36% increase from the prior year. Capital generation totaled $913 million, up 33% year over year. Receivables grew 6% to more than $26 billion. Revenue increased 9%.

Shulman said the results were largely driven by targeted initiatives in personal loans, auto finance, and credit cards. He also discussed several products and technology developments during the year. The company expanded its debt consolidation offering and introduced new data-driven tools designed to improve credit decision-making. It also rolled out a streamlined renewal product and launched a new secured lending product aimed at homeowners. Shulman added that the company introduced an AI-powered tool to help improve productivity. The company also expanded its partnership with Ally Financial through the Clearpass program, which had grown to around 1,700 participating dealers.

OneMain Holdings, Inc. (NYSE:OMF) is a financial services holding company. The company provides personal loan products, offers auto financing and credit cards, and provides optional products and a customer-focused financial wellness program. It also services loans and handles acquisitions and dispositions of assets and businesses.

While we acknowledge the potential of OMF as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than OMF and that has 100x upside potential, check out our report about the cheapest AI stock.

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