Earnings summaries and quarterly performance for OneMain Holdings.
Executive leadership at OneMain Holdings.
Board of directors at OneMain Holdings.
Research analysts who have asked questions during OneMain Holdings earnings calls.
Mark DeVries
Deutsche Bank
6 questions for OMF
Also covers: ALLY, AXP, BUR +9 more
MO
Moshe Orenbuch
TD Cowen
6 questions for OMF
Also covers: AER, AFRM, AL +11 more
JH
John Hecht
Jefferies
5 questions for OMF
Also covers: AFRM, ARCC, BFH +23 more
MB
Mihir Bhatia
Bank of America
5 questions for OMF
Also covers: ACT, AFRM, AXP +12 more
RS
Richard Shane
JPMorgan Chase & Co.
5 questions for OMF
Also covers: ABR, ACRE, ACT +19 more
MK
Michael Kaye
Wells Fargo & Company
3 questions for OMF
Also covers: BETR, GWRE, PFSI +1 more
TM
Terry Ma
Barclays
3 questions for OMF
Also covers: AER, AL, AXP +16 more
Arren Cyganovich
Truist
2 questions for OMF
Also covers: ARCC, BPOP, BXSL +10 more
KJ
Kyle Joseph
Jefferies
2 questions for OMF
Also covers: AFRM, CACC, CRMT +14 more
VC
Vincent Caintic
Stephens Inc.
2 questions for OMF
Also covers: AFRM, BFH, CRMT +9 more
DS
David Scharf
Citizens Capital Markets and Advisory
1 question for OMF
Also covers: AFRM, ECPG, ENVA +11 more
JP
John Pancari
Evercore ISI
1 question for OMF
Also covers: ALLY, AXP, BFH +19 more
JR
John Rowan
Janney Montgomery Scott
1 question for OMF
Also covers: CACC, ECPG, ENVA +5 more
Recent press releases and 8-K filings for OMF.
OMF Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
OMF
Earnings
Guidance Update
Share Buyback
- OMF reported strong full-year 2025 performance with C&I earnings per share of $6.66, a 36% increase year-over-year, and capital generation of $913 million, up 33%.
- In Q4 2025, C&I adjusted earnings per share were $1.59, up 37% from the prior year, and total revenue grew 8% to $1.6 billion.
- Managed receivables increased 6% to over $26 billion in 2025, driven by growth in personal loans, auto finance, and credit card businesses.
- For 2026, OMF expects managed receivables growth of 6%-9% and C&I net charge-offs in the range of 7.4%-7.9%.
- The company returned $639 million to shareholders in 2025, a 20% increase from 2024, through dividends and accelerated share repurchases, with a stated bias towards share repurchases for future capital allocation.
1 day ago
OneMain Financial Reports Q4 and Full-Year 2025 Results, Provides 2026 Guidance
OMF
Earnings
Guidance Update
Share Buyback
- OneMain Financial reported Q4 2025 C&I Adjusted Diluted EPS of $1.59 and FY 2025 Adjusted Diluted EPS of $6.66, with Q4 2025 C&I Total Revenue at $1.6 billion and FY 2025 C&I Total Revenue at $6.214 billion.
- The company's Managed Receivables reached $26.3 billion in Q4 2025, reflecting 6.4% growth for FY 2025, and originations totaled $3.6 billion in Q4 2025.
- For 2026, OneMain Financial projects Managed Receivables Growth of 6%-9%, C&I Net Charge-offs between 7.4% and 7.9%, and an Operating Expense Ratio of approximately 6.6%.
- The Board declared a regular quarterly dividend of $1.05 per share, increased share repurchases to $70 million in Q4 2025, and authorized a $1 billion share repurchase program through 2028. Additionally, the company issued a $1 billion unsecured bond in Q4 2025.
1 day ago
OneMain Financial Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
OMF
Earnings
Guidance Update
Share Buyback
- OneMain Financial reported strong full-year 2025 results, with C&I earnings per share of $6.66, up 36% year-over-year, and capital generation of $913 million, an increase of 33%.
- For Q4 2025, C&I adjusted earnings were $1.59 per share, a 37% increase, with revenue growing 8% to $1.6 billion and managed receivables up 6% to $26.3 billion.
- Full-year 2025 revenue grew 9%, and C&I net charge-offs declined by 46 basis points to 7.7%.
- The company expects 2026 managed receivables growth of 6%-9% and C&I net charge-offs in the range of 7.4%-7.9%, with an improved full-year OpEx ratio of approximately 6.6%.
- Total capital returned to shareholders in 2025 increased 20% to $639 million, with an accelerated pace of share repurchases in Q4.
1 day ago
OneMain Financial Reports Strong Q4 and Full-Year 2025 Results with Positive 2026 Outlook
OMF
Earnings
Guidance Update
Share Buyback
- OneMain Financial reported strong full-year 2025 performance with C&I earnings per share of $6.66, an increase of 36% year-over-year, and capital generation of $913 million, up 33%.
- For Q4 2025, C&I adjusted earnings were $1.59 per share, up 37% from the prior year, with revenue growing 8% and managed receivables increasing 6% to $26.3 billion.
- The company saw improved credit performance in 2025, with full-year C&I net charge-offs at 7.7%, down 46 basis points from 2024, and Q4 credit card net charge-offs improving to 17.1%.
- Looking into 2026, OneMain Financial expects managed receivables to grow 6%-9% and projects C&I net charge-offs in the range of 7.4%-7.9%, with a full-year OpEx ratio of approximately 6.6%.
- Capital allocation included a $1 billion share repurchase program approved through 2028, with $70 million repurchased in Q4 2025, and a regular annual dividend of $4.20 per share.
1 day ago
OneMain Holdings Reports Strong Fourth Quarter and Full-Year 2025 Results
OMF
Earnings
Dividends
Share Buyback
- OneMain Holdings reported Q4 2025 diluted EPS of $1.72 and full-year 2025 diluted EPS of $6.56, compared to $1.05 and $4.24 in the prior year periods, respectively.
- Net income for Q4 2025 was $204 million and $783 million for the full year 2025, up from $126 million and $509 million in the respective prior year periods.
- The company declared a quarterly dividend of $1.05 per share and repurchased approximately 1.2 million shares for $70 million during Q4 2025.
- Managed receivables increased by 6% to $26.3 billion as of December 31, 2025, from $24.7 billion at December 31, 2024.
1 day ago
OneMain Holdings, Inc. Reports Strong Fourth Quarter and Full Year 2025 Results
OMF
Earnings
Dividends
Share Buyback
- OneMain Holdings, Inc. reported diluted EPS of $1.72 and net income of $204 million for Q4 2025, compared to $1.05 and $126 million in the prior year quarter, respectively. For the full year 2025, diluted EPS was $6.56 and net income was $783 million. The C&I adjusted diluted EPS was $1.59 for Q4 2025 and $6.66 for the full year 2025.
- Managed receivables increased 6% to $26.3 billion at December 31, 2025, from $24.7 billion at December 31, 2024.
- The company declared a quarterly dividend of $1.05 per share and repurchased approximately 1.2 million shares of common stock for $70 million during Q4 2025.
- Total revenue for Q4 2025 was $1.6 billion, an 8% increase from the prior year quarter.
- As of December 31, 2025, the 30+ days delinquency ratio was 5.85% and the 90+ days delinquency ratio was 2.49%, with a net charge-off ratio of 7.56% for Q4 2025.
1 day ago
OneMain Holdings and TPG Expand Forward-Flow Agreement
OMF
New Projects/Investments
- TPG has extended and expanded its forward-flow agreement with OneMain Holdings to purchase approximately $2.4 billion of consumer and auto loans through June 30, 2028, building on prior commitments totaling about $1.3 billion.
- This agreement allows OneMain to free up balance-sheet capacity and recycle capital to support origination growth, while diversifying its funding sources.
- The deal deepens TPG's exposure to asset-backed consumer and auto credit, aligning with its broader push into asset-based lending following its acquisition of Angelo Gordon in 2023.
- Following the announcement, OneMain's stock dipped about 0.7% and TPG's shares fell roughly 0.2%.
Jan 14, 2026, 11:28 AM
OneMain Finance Corporation Issues $1.0 Billion Senior Notes
OMF
Debt Issuance
- On December 18, 2025, OneMain Finance Corporation (OMFC), a direct subsidiary of OneMain Holdings, Inc. (OMH), issued $1.0 billion aggregate principal amount of 6.750% Senior Notes due 2033.
- The Notes mature on September 15, 2033, bear interest at 6.750% per annum payable semiannually starting March 15, 2026, and are OMFC's senior unsecured obligations, guaranteed by OMH.
- OMFC has the option to redeem the Notes, in whole or in part, at a "make-whole" redemption price prior to December 15, 2028, and at specified percentages (e.g., 103.3750% in 2028, 100.0000% in 2030 and thereafter) on or after December 15, 2028.
- The Indenture includes covenants that limit OMFC's ability to create liens and restrict consolidation, merger, or asset sales, and allows holders of at least 30% of the notes to declare an event of default.
Dec 18, 2025, 9:11 PM
OneMain Holdings Reports Strong Q3 2025 Results, Raises Revenue Guidance, and Boosts Shareholder Returns
OMF
Earnings
Guidance Update
Share Buyback
- OneMain Holdings reported strong Q3 2025 results, with capital generation of $272 million, up 29% year over year, and C&I adjusted earnings of $1.90 per share, up 51%. Total revenue grew 9%, and managed receivables increased 6% to $25.9 billion.
- The company observed positive credit trends, with 30-plus day delinquency at 5.41%, down 16 basis points year over year, and C&I net charge-offs at 7%, down 51 basis points compared to Q3 2024.
- OMF increased its annual dividend by $0.04 to $4.20 per share and authorized a new $1 billion share repurchase program through 2028. For full-year 2025, managed receivables growth guidance was narrowed to 6% to 8%, and total revenue growth was raised to approximately 9%.
Oct 31, 2025, 1:00 PM
OneMain Financial Reports Strong Q3 2025 Earnings, Increased Dividend, and New Share Repurchase Authorization
OMF
Earnings
Dividends
Share Buyback
- OneMain Financial reported C&I Adjusted Diluted EPS of $1.90, a 51% increase year-over-year, and C&I Total Revenue of $1.6 billion, up 9% year-over-year for Q3 2025.
- Originations grew 5% year-over-year to $3.9 billion, and Managed Receivables increased 6% year-over-year to $25.9 billion in Q3 2025.
- Credit performance improved with C&I Net Charge-offs at 7.0%, down 51 basis points year-over-year, and 30+ day delinquencies at 5.41%, down 16 basis points year-over-year in Q3 2025.
- The Board approved a 1% increase in the quarterly dividend to $1.05 per share and authorized a $1 billion share repurchase program through December 31, 2028.
Oct 31, 2025, 1:00 PM
Quarterly earnings call transcripts for OneMain Holdings.
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