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6Feb 5, 2026·SEC
Dec 18, 2025·SEC
Dec 5, 2025·SEC
OneMain Holdings, Inc. (OMF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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OneMain Holdings, Inc. (OMF) stock price & volume — 10-year historical chart
OneMain Holdings, Inc. (OMF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
OneMain Holdings, Inc. (OMF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 1, 2026 | $1.95vs $1.92+1.6% | $1.3Bvs $1.3B-0.4% |
| Q1 2026 | Feb 5, 2026 | $1.59vs $1.55+2.6% | $1.3Bvs $1.3B-0.7% |
| Q4 2025 | Oct 31, 2025 | $1.90vs $1.61+18.0% | $1.3Bvs $1.3B+1.8% |
| Q3 2025 | Jul 25, 2025 | $1.45vs $1.25+16.0% | $1.5Bvs $1.2B+23.9% |
OneMain Holdings, Inc. (OMF) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
OneMain Holdings, Inc. (OMF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OneMain Holdings, Inc. (OMF) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 2.38B | 2.78B | 3.16B | 3.34B | 3.43B | 3.54B | 3.54B | 3.81B | 4.18B | 3.19B |
NII Growth % | 5.59% | 16.93% | 13.44% | 5.83% | 2.57% | 3.38% | 0.06% | 7.42% | 9.85% | -71.55% |
Net Interest Margin % | 12.25% | 13.85% | 13.84% | 14.87% | 15.52% | 15.72% | 14.59% | 14.7% | 15.27% | 11.8% |
Interest Income | 3.2B | 3.66B | 4.13B | 4.37B | 4.36B | 4.43B | 4.56B | 4.99B | 5.46B | 5.53B |
Interest Expense | 816M | 875M | 970M | 1.03B | 937M | 892M | 1.02B | 1.19B | 1.27B | 1.28B |
Loan Loss Provision | 955M | 1.05B | 1.13B | 1.32B | 593M | 1.4B | 1.72B | 2.04B | 2B | 1.46B |
Non-Interest Income | 589M | 583M | 555M | 565M | 609M | 656M | 735M | 729M | 787M | -595M |
Non-Interest Income % | 15.56% | 13.75% | 11.85% | 11.45% | 12.25% | 12.89% | 13.87% | 12.74% | 12.61% | -12.05% |
Total Revenue | 3.79B▲ 0% | 4.24B▲ 12.0% | 4.68B▲ 10.4% | 4.93B▲ 5.4% | 4.97B▲ 0.8% | 5.09B▲ 2.4% | 5.3B▲ 4.1% | 5.72B▲ 8.0% | 6.24B▲ 9.1% | 4.94B▲ 0% |
Revenue Growth % | 1.5% | 12.05% | 10.4% | 5.36% | 0.81% | 2.37% | 4.09% | 7.98% | 9.09% | -61.14% |
Non-Interest Expense | 1.58B | 1.69B | 1.49B | 1.61B | 1.7B | 1.64B | 1.72B | 1.83B | 1.97B | 1.51B |
Efficiency Ratio | 41.82% | 39.94% | 31.72% | 32.64% | 34.22% | 32.25% | 32.44% | 31.98% | 31.59% | 30.65% |
Operating Income | 431M▲ 0% | 624M▲ 44.8% | 1.1B▲ 76.0% | 977M▼ 11.0% | 1.74B▲ 78.2% | 1.16B▼ 33.7% | 840M▼ 27.3% | 667M▼ 20.6% | 1B▲ 50.1% | 726M▲ 0% |
Operating Margin % | 11.39% | 14.71% | 23.45% | 19.81% | 35.01% | 22.69% | 15.85% | 11.66% | 16.04% | 14.7% |
Operating Income Growth % | 21.07% | 44.78% | 75.96% | -11.02% | 78.2% | -33.66% | -27.27% | -20.6% | 50.08% | - |
Pretax Income | 431M▲ 0% | 624M▲ 44.8% | 1.1B▲ 76.0% | 977M▼ 11.0% | 1.74B▲ 78.2% | 1.16B▼ 33.7% | 840M▼ 27.3% | 667M▼ 20.6% | 1B▲ 50.1% | 1.02B▲ 0% |
Pretax Margin % | 11.39% | 14.71% | 23.45% | 19.81% | 35.01% | 22.69% | 15.85% | 11.66% | 16.04% | 20.69% |
Income Tax | 248M | 177M | 243M | 247M | 427M | 283M | 199M | 158M | 218M | 226M |
Effective Tax Rate % | 57.54% | 28.37% | 22.13% | 25.28% | 24.53% | 24.5% | 23.69% | 23.69% | 21.78% | 22.11% |
Net Income | 183M▲ 0% | 447M▲ 144.3% | 855M▲ 91.3% | 730M▼ 14.6% | 1.31B▲ 80.0% | 872M▼ 33.6% | 641M▼ 26.5% | 509M▼ 20.6% | 783M▲ 53.8% | 796M▲ 0% |
Net Margin % | 4.83% | 10.54% | 18.26% | 14.8% | 26.42% | 17.13% | 12.1% | 8.9% | 12.54% | 16.12% |
Net Income Growth % | -14.88% | 144.26% | 91.28% | -14.62% | 80% | -33.64% | -26.49% | -20.59% | 53.83% | 40.39% |
Net Income (Continuing) | 183M | 447M | 855M | 730M | 1.31B | 872M | 641M | 509M | 783M | 796M |
EPS (Diluted) | 1.35▲ 0% | 3.29▲ 143.7% | 6.27▲ 90.6% | 5.41▼ 13.7% | 9.88▲ 82.6% | 7.01▼ 29.0% | 5.31▼ 24.3% | 4.24▼ 20.2% | 6.56▲ 54.7% | 6.79▲ 0% |
EPS Growth % | -15.09% | 143.7% | 90.58% | -13.72% | 82.62% | -29.05% | -24.25% | -20.15% | 54.72% | 42.07% |
EPS (Basic) | 1.35 | 3.29 | 6.28 | 5.42 | 9.91 | 7.02 | 5.35 | 4.25 | 6.59 | - |
Diluted Shares Outstanding | 135.68M | 136.03M | 136.33M | 134.92M | 133.05M | 124.42M | 120.63M | 120.1M | 119.3M | 117.27M |
OneMain Holdings, Inc. (OMF) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 2.68B | 679M | 3.02B | 4.12B | 2.45B | 2.23B | 2.66B | 2B | 1.33B | 5.71B |
Cash & Due from Banks | 987M | 679M | 1.23B | 2.27B | 541M | 498M | 1.01B | 458M | 914M | 834M |
Short Term Investments | 1.7B | 0 | 1.8B | 1.85B | 1.91B | 1.73B | 1.65B | 1.54B | 421M | 1.61B |
Total Investments | 2.2B | 1.69B | 19.44B | 17.74B | 19.11B | 19.48B | 20.59B | 22.46B | 23.56B | 1.61B |
Investments Growth % | -2.57% | -23.1% | 1047.82% | -8.78% | 7.74% | 1.92% | 5.71% | 9.07% | 4.91% | -75.84% |
Long-Term Investments | 1.7B | 1.69B | 17.65B | 15.89B | 17.2B | 17.75B | 18.94B | 20.92B | 23.14B | 68.3B |
Accounts Receivables | 0 | 13M | 289M | 299M | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 1.86B | 1.81B | 1.76B | 1.73B | 1.71B | 1.7B | 1.7B | 1.76B | 1.76B | 1.75B |
Goodwill | 1.42B | 1.42B | 1.42B | 1.42B | 1.44B | 1.44B | 1.44B | 1.47B | 1.47B | 1.47B |
Intangible Assets | 440M | 388M | 343M | 306M | 274M | 261M | 260M | 286M | 282M | 281M |
PP&E (Net) | 144M | 133M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Assets | 13.01B | 13.95B | 92M | 435M | 718M | 866M | 461M | 552M | 461M | 0 |
Total Current Assets | 2.68B | 2.37B | 3.31B | 4.42B | 2.45B | 2.23B | 3.19B | 2.68B | 2.03B | 2.45B |
Total Non-Current Assets | 16.75B | 17.72B | 19.5B | 18.05B | 19.63B | 20.31B | 21.1B | 23.23B | 25.35B | 1.75B |
Total Assets | 19.43B▲ 0% | 20.09B▲ 3.4% | 22.82B▲ 13.6% | 22.47B▼ 1.5% | 22.08B▼ 1.7% | 22.54B▲ 2.1% | 24.29B▲ 7.8% | 25.91B▲ 6.7% | 27.39B▲ 5.7% | 27.02B▲ 0% |
Asset Growth % | 7.23% | 3.38% | 13.57% | -1.52% | -1.74% | 2.07% | 7.8% | 6.65% | 5.7% | 21.16% |
Return on Assets (ROA) | 0.97% | 2.26% | 3.99% | 3.22% | 5.9% | 3.91% | 2.74% | 2.03% | 2.94% | 2.95% |
Accounts Payable | 58M | 123M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 15.05B | 15.18B | 17.21B | 17.8B | 17.75B | 18.28B | 19.81B | 21.44B | 22.69B | 0 |
Net Debt | 14.06B | 14.5B | 15.98B | 15.53B | 17.21B | 17.78B | 18.8B | 20.98B | 21.78B | -834M |
Long-Term Debt | 15.05B | 15.18B | 17.21B | 17.8B | 17.75B | 18.28B | 19.81B | 21.44B | 22.69B | 0 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 1.1B | 1.11B | 1.24B | 1.19B | 1.24B | 1.24B | 1.29B | 1.28B | 1.26B | 0 |
Total Current Liabilities | 0 | 624M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Non-Current Liabilities | 16.16B | 16.29B | 18.49B | 19.03B | 18.99B | 19.52B | 21.11B | 22.72B | 23.99B | 0 |
Total Liabilities | 16.16B | 16.29B | 18.49B | 19.03B | 18.99B | 19.52B | 21.11B | 22.72B | 23.99B | 23.64B |
Total Equity | 3.28B▲ 0% | 3.8B▲ 15.9% | 4.33B▲ 14.0% | 3.44B▼ 20.5% | 3.09B▼ 10.1% | 3.02B▼ 2.5% | 3.19B▲ 5.7% | 3.19B▲ 0.2% | 3.4B▲ 6.6% | 3.38B▲ 0% |
Equity Growth % | 6.91% | 15.89% | 13.98% | -20.53% | -10.11% | -2.52% | 5.67% | 0.16% | 6.58% | 20.32% |
Equity / Assets (Capital Ratio) | 16.87% | 18.91% | 18.98% | 15.31% | 14.01% | 13.38% | 13.11% | 12.32% | 12.42% | 12.5% |
Return on Equity (ROE) | 5.77% | 12.63% | 21.04% | 18.79% | 40.22% | 28.55% | 20.67% | 15.96% | 23.76% | 23.62% |
Book Value per Share | 24.16 | 27.93 | 31.76 | 25.50 | 23.25 | 24.23 | 26.41 | 26.57 | 28.51 | 28.80 |
Tangible BV per Share | 10.44 | 14.62 | 18.82 | 12.70 | 10.39 | 10.59 | 12.34 | 11.92 | 13.79 | 13.83 |
Common Stock | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M |
Additional Paid-in Capital | 1.56B | 1.68B | 1.69B | 1.66B | 1.67B | 1.69B | 1.72B | 1.73B | 1.76B | 0 |
Retained Earnings | 1.71B | 2.15B | 2.6B | 1.69B | 1.73B | 2.12B | 2.29B | 2.3B | 2.58B | 2.68B |
Accumulated OCI | 11M | -34M | 44M | 94M | 61M | -127M | -87M | -81M | -41M | -53M |
Treasury Stock | 0 | 0 | 0 | 0 | -368M | -667M | -728M | -759M | -895M | 0 |
Preferred Stock | 0 | 0 | 19M | 13M | 0 | 0 | 0 | 0 | 0 | 0 |
OneMain Holdings, Inc. (OMF) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.55B | 2.05B | 2.36B | 2.21B | 2.25B | 2.39B | 2.52B | 2.7B | 3.13B | 3.21B |
Operating CF Growth % | 17.27% | 31.58% | 15.44% | -6.35% | 1.58% | 6.23% | 5.53% | 7.15% | 15.97% | 57.17% |
Net Income | 183M | 447M | 855M | 730M | 1.31B | 878M | 641M | 509M | 783M | 796M |
Depreciation & Amortization | 328M | 289M | 271M | 264M | 264M | 262M | 257M | 277M | 287M | 291M |
Deferred Taxes | 30M | 23M | 1M | -42M | 78M | -62M | -36M | -42M | 43M | 57M |
Other Non-Cash Items | 980M | 1.07B | 1.16B | 1.36B | 616M | 1.37B | 1.67B | 2.05B | 2B | 1.95B |
Working Capital Changes | 17M | 86M | 67M | -118M | -48M | -90M | -44M | -125M | -13M | 74M |
Cash from Investing | -2.19B | -2.4B | -3.43B | -751M | -2.14B | -2.12B | -2.86B | -3.27B | -3.16B | -3.06B |
Purchase of Investments | -671M | -691M | -736M | -994M | -1.23B | -536M | -184M | -284M | -321M | -242M |
Sale/Maturity of Investments | 757M | 599M | 605M | 1.02B | 1.1B | 477M | 329M | 0 | 0 | 238M |
Net Investment Activity | 86M | -92M | -131M | 26M | -120M | -59M | 145M | -284M | -321M | -4M |
Acquisitions | -4M | 0 | 0 | 0 | 0 | 0 | 0 | -64M | 0 | 0 |
Other Investing | -2.28B | -2.31B | -3.3B | -777M | -2.02B | -2.06B | -3.01B | -2.92B | -2.84B | -3.05B |
Cash from Financing | 975M | 44M | 1.52B | -370M | -1.81B | -326M | 932M | 161M | 520M | 50M |
Dividends Paid | 0 | 0 | -408M | -806M | -1.27B | -480M | -487M | -498M | -499M | -501M |
Share Repurchases | -5M | -10M | 0 | -45M | -368M | -303M | -65M | -35M | -154M | -232M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 2M | 3M | 4M | 0 | 9M |
Net Stock Activity | -5M | -10M | 0 | -45M | -368M | -301M | -62M | -31M | -154M | -223M |
Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 3M |
Other Financing | -5M | -10M | 0 | -6M | -6M | -12M | -7M | -11M | 25M | -443M |
Net Change in Cash | 338M▲ 0% | -307M▼ 190.8% | 454M▲ 247.9% | 1.09B▲ 140.3% | -1.71B▼ 256.4% | -58M▲ 96.6% | 589M▲ 1115.5% | -406M▼ 168.9% | 489M▲ 220.4% | 199M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 1.15B | 1.49B | 1.18B | 1.63B | 2.72B | 1.02B | 959M | 1.55B | 1.11B | 1.61B |
Cash at End | 1.49B | 1.18B | 1.63B | 2.72B | 1.02B | 959M | 1.55B | 1.14B | 1.6B | 1.56B |
Interest Paid | 746M | 752M | 845M | 978M | 891M | 857M | 968M | 1.14B | 1.24B | 0 |
Income Taxes Paid | 156M | 150M | 261M | 289M | 403M | 343M | 215M | 219M | 127M | 0 |
Free Cash Flow | 1.56B▲ 0% | 2.05B▲ 31.2% | 2.36B▲ 15.4% | 2.21B▼ 6.4% | 2.25B▲ 1.6% | 2.39B▲ 6.2% | 2.52B▲ 5.5% | 2.7B▲ 7.1% | 3.13B▲ 16.0% | 3.21B▲ 0% |
FCF Growth % | 16.87% | 31.24% | 15.44% | -6.35% | 1.58% | 6.23% | 5.53% | 7.15% | 15.97% | 14.26% |
OneMain Holdings, Inc. (OMF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 5.77% | 12.63% | 21.04% | 18.79% | 40.22% | 28.55% | 20.67% | 15.96% | 23.76% | 23.62% |
Return on Assets (ROA) | 0.97% | 2.26% | 3.99% | 3.22% | 5.9% | 3.91% | 2.74% | 2.03% | 2.94% | 2.95% |
Net Interest Margin | 12.25% | 13.85% | 13.84% | 14.87% | 15.52% | 15.72% | 14.59% | 14.7% | 15.27% | 11.8% |
Efficiency Ratio | 41.82% | 39.94% | 31.72% | 32.64% | 34.22% | 32.25% | 32.44% | 31.98% | 31.59% | 30.65% |
Equity / Assets | 16.87% | 18.91% | 18.98% | 15.31% | 14.01% | 13.38% | 13.11% | 12.32% | 12.42% | 12.5% |
Book Value / Share | 24.16 | 27.93 | 31.76 | 25.5 | 23.25 | 24.23 | 26.41 | 26.57 | 28.51 | 28.8 |
NII Growth | 5.59% | 16.93% | 13.44% | 5.83% | 2.57% | 3.38% | 0.06% | 7.42% | 9.85% | -18.45% |
Dividend Payout | - | - | 47.72% | 110.41% | 96.96% | 55.05% | 64.59% | 110.02% | 39.46% | 22.99% |
OneMain Holdings, Inc. (OMF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Feb 5, 2026·SEC
Dec 18, 2025·SEC
Dec 5, 2025·SEC
OneMain Holdings, Inc. (OMF) stock FAQ — growth, dividends, profitability & financials explained
OneMain Holdings, Inc. (OMF) grew revenue by 9.1% over the past year. This is steady growth.
Yes, OneMain Holdings, Inc. (OMF) is profitable, generating $796.0M in net income for fiscal year 2025 (12.5% net margin).
Yes, OneMain Holdings, Inc. (OMF) pays a dividend with a yield of 4.45%. This makes it attractive for income-focused investors.
OneMain Holdings, Inc. (OMF) has a return on equity (ROE) of 23.8%. This is excellent, indicating efficient use of shareholder capital.
OneMain Holdings, Inc. (OMF) has a net interest margin (NIM) of 15.3%. This indicates healthy earnings from lending activities.
OneMain Holdings, Inc. (OMF) has an efficiency ratio of 31.6%. This is excellent, indicating strong cost control.