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OMFOneMain Holdings, Inc.
$58.18$6.8B
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OMF logoOneMain Holdings, Inc.(OMF)Earnings, Financials & Key Ratios

OMF•NYSE•Banking & Credit
8.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutOneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured. The company also offers credit cards and insurance products comprising life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. It operates through a network of approximately 1,400 branch offices in 44 states in the United States, as well as through its website onemainfinancial.com. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was founded in 1912 and is based in Evansville, Indiana.Show more
  • Net Interest Income$4.18B+9.8%
  • Total Revenue$6.24B+9.1%
  • Net Income$783M+53.8%
  • Return on Equity23.76%+48.8%
  • Net Interest Margin15.27%+3.9%
  • Efficiency Ratio31.59%-1.2%
  • ROA2.94%+44.9%
  • Equity / Assets12.42%+0.8%
  • Book Value per Share28.51+7.3%

OMF Key Insights

OneMain Holdings, Inc. (OMF) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 20.1%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Strong NIM of 15.3%
  • ✓Efficient operations: 31.6% efficiency ratio
  • ✓Well capitalized: 12.4% equity/assets
  • ✓Healthy dividend yield of 4.5%

✗Weaknesses

  • ✗High debt to equity ratio of 6.7x

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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OMF Price & Volume

OneMain Holdings, Inc. (OMF) stock price & volume — 10-year historical chart

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OMF Growth Metrics

OneMain Holdings, Inc. (OMF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.03%
5 Years4.82%
3 Years7.03%
TTM-

Profit CAGR

10 Years-
5 Years1.41%
3 Years-3.52%
TTM40.39%

EPS CAGR

10 Years-
5 Years3.93%
3 Years-2.19%
TTM42.07%

Return on Capital

10 Years3.99%
5 Years4.6%
3 Years3.33%
Last Year3.76%

OMF Recent Earnings

OneMain Holdings, Inc. (OMF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 1, 2026
Metric
Actual
Est
EPS
$1.95+1.6%
$1.92
Rev
$1.3B-0.4%
$1.3B
Q1 2026
Feb 5, 2026
Metric
Actual
Est
EPS
$1.59+2.6%
$1.55
Rev
$1.3B-0.7%
$1.3B
Q4 2025
Oct 31, 2025
Metric
Actual
Est
EPS
$1.90+18.0%
$1.61
Rev
$1.3B+1.8%
$1.3B
Q3 2025
Jul 25, 2025
Metric
Actual
Est
EPS
$1.45+16.0%
$1.25
Rev
$1.5B+23.9%
$1.2B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 1, 2026
$1.95vs $1.92+1.6%
$1.3Bvs $1.3B-0.4%
Q1 2026Feb 5, 2026
$1.59vs $1.55+2.6%
$1.3Bvs $1.3B-0.7%
Q4 2025Oct 31, 2025
$1.90vs $1.61+18.0%
$1.3Bvs $1.3B+1.8%
Q3 2025Jul 25, 2025
$1.45vs $1.25+16.0%
$1.5Bvs $1.2B+23.9%
Based on last 12 quarters of dataView full earnings history →

OMF Peer Comparison

OneMain Holdings, Inc. (OMF) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SLM logoSLMSLM CorporationDirect Competitor4.56B23.036.664.1%33.13%31.01%2.39
ENVA logoENVAEnova International, Inc.Direct Competitor5.05B202.5517.4918.58%9.95%24.88%3.41
WRLD logoWRLDWorld Acceptance CorporationDirect Competitor896.53M177.9510.92-1.46%7.46%10.79%1.20
COF logoCOFCapital One Financial CorporationProduct Competitor124.76B201.5350.0128.39%3.54%2.44%0.45
SYF logoSYFSynchrony FinancialProduct Competitor26.16B75.268.10-7.91%18.08%21.41%0.91
ALLY logoALLYAlly Financial Inc.Product Competitor14.3B45.4919.19-25.75%5.61%5.74%1.40
LDI logoLDIloanDepot, Inc.Product Competitor391.98M1.17-3.9037.59%-5.42%-19.61%13.05
NAVI logoNAVINavient CorporationProduct Competitor760.37M8.09-9.99-23.74%-1.96%-2.45%19.05

Compare OMF vs Peers

OneMain Holdings, Inc. (OMF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SLM

Most directly comparable listed peer for OMF.

Scale Benchmark

vs COF

Larger-name benchmark to compare OMF against a more recognizable public peer.

Peer Set

Compare Top 5

vs SLM, ENVA, WRLD, COF

OMF Income Statement

OneMain Holdings, Inc. (OMF) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
2.38B2.78B3.16B3.34B3.43B3.54B3.54B3.81B4.18B3.19B
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
3.2B3.66B4.13B4.37B4.36B4.43B4.56B4.99B5.46B5.53B
Interest Expense
816M875M970M1.03B937M892M1.02B1.19B1.27B1.28B
Loan Loss Provision
955M1.05B1.13B1.32B593M1.4B1.72B2.04B2B1.46B
Non-Interest Income
589M583M555M565M609M656M735M729M787M-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
1.58B1.69B1.49B1.61B1.7B1.64B1.72B1.83B1.97B1.51B
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
248M177M243M247M427M283M199M158M218M226M
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)
183M447M855M730M1.31B872M641M509M783M796M
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)
1.353.296.285.429.917.025.354.256.59-
Diluted Shares Outstanding
135.68M136.03M136.33M134.92M133.05M124.42M120.63M120.1M119.3M117.27M

OMF Balance Sheet

OneMain Holdings, Inc. (OMF) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
2.68B679M3.02B4.12B2.45B2.23B2.66B2B1.33B5.71B
Cash & Due from Banks
987M679M1.23B2.27B541M498M1.01B458M914M834M
Short Term Investments
1.7B01.8B1.85B1.91B1.73B1.65B1.54B421M1.61B
Total Investments
2.2B1.69B19.44B17.74B19.11B19.48B20.59B22.46B23.56B1.61B
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
1.7B1.69B17.65B15.89B17.2B17.75B18.94B20.92B23.14B68.3B
Accounts Receivables
013M289M299M000000
Goodwill & Intangibles
1.86B1.81B1.76B1.73B1.71B1.7B1.7B1.76B1.76B1.75B
Goodwill
1.42B1.42B1.42B1.42B1.44B1.44B1.44B1.47B1.47B1.47B
Intangible Assets
440M388M343M306M274M261M260M286M282M281M
PP&E (Net)
144M133M00000000
Other Assets
13.01B13.95B92M435M718M866M461M552M461M0
Total Current Assets
2.68B2.37B3.31B4.42B2.45B2.23B3.19B2.68B2.03B2.45B
Total Non-Current Assets
16.75B17.72B19.5B18.05B19.63B20.31B21.1B23.23B25.35B1.75B
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
58M123M00000000
Total Debt
15.05B15.18B17.21B17.8B17.75B18.28B19.81B21.44B22.69B0
Net Debt
14.06B14.5B15.98B15.53B17.21B17.78B18.8B20.98B21.78B-834M
Long-Term Debt
15.05B15.18B17.21B17.8B17.75B18.28B19.81B21.44B22.69B0
Short-Term Debt
0000000000
Other Liabilities
1.1B1.11B1.24B1.19B1.24B1.24B1.29B1.28B1.26B0
Total Current Liabilities
0624M00000000
Total Non-Current Liabilities
16.16B16.29B18.49B19.03B18.99B19.52B21.11B22.72B23.99B0
Total Liabilities
16.16B16.29B18.49B19.03B18.99B19.52B21.11B22.72B23.99B23.64B
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
24.1627.9331.7625.5023.2524.2326.4126.5728.5128.80
Tangible BV per Share
10.4414.6218.8212.7010.3910.5912.3411.9213.7913.83
Common Stock
1M1M1M1M1M1M1M1M1M1M
Additional Paid-in Capital
1.56B1.68B1.69B1.66B1.67B1.69B1.72B1.73B1.76B0
Retained Earnings
1.71B2.15B2.6B1.69B1.73B2.12B2.29B2.3B2.58B2.68B
Accumulated OCI
11M-34M44M94M61M-127M-87M-81M-41M-53M
Treasury Stock
0000-368M-667M-728M-759M-895M0
Preferred Stock
0019M13M000000

OMF Cash Flow Statement

OneMain Holdings, Inc. (OMF) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
1.55B2.05B2.36B2.21B2.25B2.39B2.52B2.7B3.13B3.21B
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
183M447M855M730M1.31B878M641M509M783M796M
Depreciation & Amortization
328M289M271M264M264M262M257M277M287M291M
Deferred Taxes
30M23M1M-42M78M-62M-36M-42M43M57M
Other Non-Cash Items
980M1.07B1.16B1.36B616M1.37B1.67B2.05B2B1.95B
Working Capital Changes
17M86M67M-118M-48M-90M-44M-125M-13M74M
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
757M599M605M1.02B1.1B477M329M00238M
Net Investment Activity
86M-92M-131M26M-120M-59M145M-284M-321M-4M
Acquisitions
-4M000000-64M00
Other Investing
-2.28B-2.31B-3.3B-777M-2.02B-2.06B-3.01B-2.92B-2.84B-3.05B
Cash from Financing
975M44M1.52B-370M-1.81B-326M932M161M520M50M
Dividends Paid
00-408M-806M-1.27B-480M-487M-498M-499M-501M
Share Repurchases
-5M-10M0-45M-368M-303M-65M-35M-154M-232M
Stock Issued
000002M3M4M09M
Net Stock Activity
-5M-10M0-45M-368M-301M-62M-31M-154M-223M
Debt Issuance (Net)
1000K1000K1000K1000K-1000K1000K1000K1000K1000K3M
Other Financing
-5M-10M0-6M-6M-12M-7M-11M25M-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
0000000000
Cash at Beginning
1.15B1.49B1.18B1.63B2.72B1.02B959M1.55B1.11B1.61B
Cash at End
1.49B1.18B1.63B2.72B1.02B959M1.55B1.14B1.6B1.56B
Interest Paid
746M752M845M978M891M857M968M1.14B1.24B0
Income Taxes Paid
156M150M261M289M403M343M215M219M127M0
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%

OMF Banking Ratios

OneMain Holdings, Inc. (OMF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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
24.1627.9331.7625.523.2524.2326.4126.5728.5128.8
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%
Related:OMF Dividend History·OMF Revenue History·OMF Price History·OMF P/E History·OMF Financial Ratios·OMF Institutional Holders

OMF SEC Filings & Documents

OneMain Holdings, Inc. (OMF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Feb 5, 2026·SEC

Material company update

Dec 18, 2025·SEC

Material company update

Dec 5, 2025·SEC

10-K Annual Reports

3
FY 2026

Feb 6, 2026·SEC

FY 2025

Feb 7, 2025·SEC

FY 2024

Feb 13, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 1, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Jul 29, 2025·SEC

OMF Frequently Asked Questions

OneMain Holdings, Inc. (OMF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

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