OneMain (OMF) Financials

$61.71 +1.23 (+2.03%)

As of 01:25 PM Eastern

Annual Income Statements for OneMain

This table shows OneMain's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	-220	215	183	447	855	730	1,345	872	641	509
Consolidated Net Income / (Loss)	-93	243	183	447	855	730	1,314	872	641	509
Net Income / (Loss) Continuing Operations	-93	243	183	447	855	730	1,345	872	641	509
Total Pre-Tax Income	-226	356	431	624	1,098	977	1,741	1,155	840	667
Total Revenue	1,477	3,027	2,940	3,357	3,779	3,867	3,989	4,172	4,280	4,503
Net Interest Income / (Expense)	1,215	2,254	2,380	2,783	3,157	3,341	3,427	3,543	3,545	3,808
Total Interest Income	1,930	3,110	3,196	3,658	4,127	4,368	4,364	4,435	4,564	4,993
Total Interest Expense	715	856	816	875	970	1,027	937	892	1,019	1,185
Long-Term Debt Interest Expense	715	856	816	875	970	1,027	937	892	1,019	1,185
Total Non-Interest Income	262	773	560	574	622	526	531	629	735	695
Service Charges on Deposit Accounts	211	449	420	429	460	443	434	445	448	445
Other Service Charges	-1.00	70	96	70	102	47	63	87	119	153
Net Realized & Unrealized Capital Gains on Investments	0.00	168	-29	9.00	-35	-39	-	36	52	-11
Investment Banking Income	52	86	73	66	95	75	65	61	116	108
Provision for Credit Losses	716	932	955	1,048	1,129	1,319	593	1,402	1,721	2,040
Total Non-Interest Expense	987	1,739	1,554	1,685	1,552	1,571	1,624	1,615	1,719	1,796
Salaries and Employee Benefits	485	788	777	917	808	756	839	836	855	879
Property & Liability Insurance Claims	96	167	184	192	185	242	176	158	189	189
Other Operating Expenses	344	676	593	576	559	573	609	621	675	728
Income Tax Expense	-133	113	248	177	243	247	427	283	199	158
Basic Earnings per Share	($1.72)	$1.60	$1.35	$3.29	$6.28	$5.42	$9.91	$7.02	$5.33	$4.26
Weighted Average Basic Shares Outstanding	127.91M	134.72M	135.25M	135.70M	136.07M	134.72M	132.65M	124.18M	120.38M	119.66M
Diluted Earnings per Share	($1.72)	$1.59	$1.35	$3.29	$6.27	$5.41	$9.88	$7.01	$5.32	$4.24
Weighted Average Diluted Shares Outstanding	127.91M	135.14M	135.68M	136.03M	136.33M	134.92M	133.05M	124.42M	120.63M	120.12M
Weighted Average Basic & Diluted Shares Outstanding	127.90M	134.40M	135.60M	135.99M	146.35M	144.51M	137.62M	130.97M	129.93M	129.53M
Cash Dividends to Common per Share	-	-	-	-	$3.00	$5.94	$9.55	$3.80	$4.00	$4.12

This table shows OneMain's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	185	176	179	103	194	165	155	71	157	126	213
Consolidated Net Income / (Loss)	185	176	179	103	194	165	155	71	157	126	213
Net Income / (Loss) Continuing Operations	185	176	179	103	194	165	155	71	157	126	213
Total Pre-Tax Income	246	232	235	138	246	221	204	92	207	164	275
Total Revenue	1,065	1,060	1,032	1,058	1,085	1,105	1,076	1,096	1,163	1,168	1,184
Net Interest Income / (Expense)	895	891	855	873	900	917	896	922	981	1,009	996
Total Interest Income	1,118	1,122	1,094	1,117	1,167	1,186	1,173	1,219	1,282	1,319	1,308
Total Interest Expense	223	231	239	244	267	269	277	297	301	310	312
Long-Term Debt Interest Expense	223	231	239	244	267	269	277	297	301	310	312
Total Non-Interest Income	170	169	177	185	185	188	180	174	182	159	188
Service Charges on Deposit Accounts	111	112	111	112	113	112	112	111	111	111	110
Other Service Charges	24	24	24	33	29	33	30	39	42	42	41
Net Realized & Unrealized Capital Gains on Investments	19	12	17	13	11	11	6.00	-6.00	5.00	-16	11
Investment Banking Income	16	21	25	27	32	32	32	30	24	22	26
Provision for Credit Losses	421	404	385	479	410	447	431	575	512	522	456
Total Non-Interest Expense	398	424	412	441	429	437	441	429	444	482	453
Salaries and Employee Benefits	212	214	212	219	217	207	224	206	220	229	218
Property & Liability Insurance Claims	35	39	47	44	48	50	50	47	43	49	49
Other Operating Expenses	151	171	153	178	164	180	167	176	181	204	186
Income Tax Expense	61	56	56	35	52	56	49	21	50	38	62
Basic Earnings per Share	$1.50	$1.47	$1.48	$0.85	$1.61	$1.39	$1.29	$0.59	$1.32	$1.06	$1.79
Weighted Average Basic Shares Outstanding	123.35M	124.18M	120.77M	120.54M	120.41M	120.38M	119.83M	119.79M	119.67M	119.66M	119.40M
Diluted Earnings per Share	$1.49	$1.47	$1.48	$0.85	$1.61	$1.38	$1.29	$0.59	$1.31	$1.05	$1.78
Weighted Average Diluted Shares Outstanding	123.57M	124.42M	120.97M	120.65M	120.75M	120.63M	120.24M	120.19M	120.12M	120.12M	119.97M
Weighted Average Basic & Diluted Shares Outstanding	132.37M	130.97M	130.75M	130.58M	130.06M	129.93M	129.97M	129.93M	129.51M	129.53M	129.13M
Cash Dividends to Common per Share	$0.95	-	$1.00	$1.00	$1.00	-	$1.00	$1.04	$1.04	-	$1.04

This table details how cash moves in and out of OneMain's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	518	-468	338	-307	454	1,091	-1,706	-58	589	-406
Net Cash From Operating Activities	741	1,322	1,555	2,046	2,362	2,212	2,247	2,387	2,519	2,699
Net Cash From Continuing Operating Activities	741	1,322	1,555	2,046	2,362	2,212	2,247	2,387	2,519	2,699
Net Income / (Loss) Continuing Operations	-93	243	183	447	855	730	1,314	872	641	509
Consolidated Net Income / (Loss)	-93	243	183	447	855	730	1,314	872	641	509
Provision For Loan Losses	716	932	955	1,048	1,129	1,319	593	1,402	1,721	2,040
Depreciation Expense	198	521	328	289	271	264	264	262	257	277
Non-Cash Adjustments to Reconcile Net Income	-182	-255	72	176	40	17	171	-4.00	-4.00	21
Changes in Operating Assets and Liabilities, net	102	-119	17	86	67	-118	-95	-145	-96	-148
Net Cash From Investing Activities	-2,186	-106	-2,192	-2,397	-3,429	-751	-2,143	-2,119	-2,862	-3,266
Net Cash From Continuing Investing Activities	-2,186	-106	-2,192	-2,397	-3,429	-751	-2,143	-2,119	-2,862	-3,266
Purchase of Investment Securities	-6,600	-1,985	-2,949	-3,096	-4,034	-1,771	-3,808	-3,386	-3,832	-4,232
Sale and/or Maturity of Investments	4,414	1,856	757	699	605	1,020	1,665	1,267	970	966
Net Cash From Financing Activities	1,964	-1,685	975	44	1,521	-370	-1,810	-326	932	161
Net Cash From Continuing Financing Activities	1,964	-1,685	965	44	1,521	-370	-1,810	-326	932	161
Issuance of Debt	3,027	6,660	5,427	5,525	5,895	7,279	3,759	5,618	4,819	4,388
Issuance of Common Equity	976	-	-	-	-	0.00	0.00	2.00	3.00	4.00
Repayment of Debt	-1,960	-8,320	-4,447	-5,471	-3,961	-6,792	-3,921	-5,149	-3,328	-3,687
Repurchase of Common Equity	-	-	-	0.00	-	-45	-368	-303	-65	-35
Payment of Dividends	-	-18	-10	0.00	-408	-806	-1,274	-480	-487	-498
Other Financing Activities, Net	-79	-7.00	5.00	-10	-5.00	-6.00	-6.00	-14	-10	-11
Cash Interest Paid	594	765	746	752	845	978	891	857	968	1,144
Cash Income Taxes Paid	-38	249	156	150	261	289	403	343	215	219

This table details how cash moves in and out of OneMain's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-41	-60	116	478	217	-222	-118	-133	-27	-128	221
Net Cash From Operating Activities	545	664	562	683	596	678	558	712	677	752	665
Net Cash From Continuing Operating Activities	545	664	562	683	596	678	558	712	677	752	665
Net Income / (Loss) Continuing Operations	185	176	179	103	194	165	155	70	158	126	213
Consolidated Net Income / (Loss)	185	176	179	103	194	165	155	70	158	126	213
Provision For Loan Losses	421	404	385	480	410	446	431	575	512	522	456
Depreciation Expense	63	74	61	64	66	66	66	70	71	70	70
Non-Cash Adjustments to Reconcile Net Income	-57	34	20	-46	21	1.00	25	-9.00	-25	30	13
Changes in Operating Assets and Liabilities, net	-67	-24	-83	82	-95	-	-119	6.00	-39	4.00	-87
Net Cash From Investing Activities	-695	-622	-204	-1,056	-892	-710	-233	-998	-1,007	-1,028	-331
Net Cash From Continuing Investing Activities	-695	-622	-204	-1,056	-892	-710	-233	-998	-1,007	-1,028	-331
Purchase of Investment Securities	-955	-965	-494	-1,311	-1,119	-908	-433	-1,292	-1,305	-1,202	-663
Sale and/or Maturity of Investments	260	343	290	255	227	198	200	294	298	174	332
Net Cash From Financing Activities	109	-102	-242	851	513	-190	-443	153	303	148	-113
Net Cash From Continuing Financing Activities	109	-102	-242	851	513	-190	-443	153	303	148	-113
Issuance of Debt	1,890	1,139	843	1,510	1,390	1,076	0.00	1,877	1,309	1,202	1,485
Issuance of Common Equity	1.00	-	1.00	1.00	-	1.00	1.00	1.00	1.00	1.00	1.00
Repayment of Debt	-1,619	-1,069	-928	-531	-743	-1,126	-309	-1,592	-860	-926	-1,447
Repurchase of Common Equity	-43	-56	-27	-7.00	-11	-20	-5.00	-8.00	-19	-3.00	-16
Payment of Dividends	-118	-116	-123	-122	-121	-121	-122	-125	-126	-125	-126
Other Financing Activities, Net	-2.00	-	-8.00	-	-2.00	-	-8.00	-	-2.00	-1.00	-10

This table presents OneMain's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	21,190	18,123	19,433	40,399	22,817	22,471	22,079	22,537	24,294	25,910
Cash and Due from Banks	939	579	987	1,342	1,227	2,272	541	498	1,014	458
Restricted Cash	676	568	498	998	405	451	476	461	534	684
Trading Account Securities	2,660	1,917	1,829	3,594	1,884	1,922	1,992	1,800	1,719	1,607
Loans and Leases, Net of Allowance	14,305	12,480	14,126	-1,457	-829	-2,269	-2,095	-2,311	-2,480	-2,705
Allowance for Loan and Lease Losses	592	689	697	1,457	829	2,269	2,095	2,311	2,480	2,705
Unearned Premiums Asset	-	-	-590	-1,324	-793	-771	-761	-749	-771	-766
Goodwill	1,440	1,422	1,400	2,844	1,422	1,422	1,437	1,437	1,437	1,474
Intangible Assets	559	492	440	775	343	306	274	261	260	286
Other Assets	611	688	721	33,627	19,158	19,138	20,215	21,140	22,581	24,872
Total Liabilities & Shareholders' Equity	21,190	18,123	19,433	40,399	22,817	22,471	22,079	22,537	24,294	25,910
Total Liabilities	18,460	15,057	16,155	32,579	18,487	19,030	18,986	19,522	21,108	22,719
Long-Term Debt	17,300	13,959	15,050	30,356	17,212	17,800	17,750	18,281	19,813	21,438
Future Policy Benefits	747	757	737	1,370	649	621	621	620	615	575
Other Long-Term Liabilities	413	341	368	853	626	609	615	621	680	706
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	2,730	3,066	3,278	7,820	4,330	3,441	3,093	3,015	3,186	3,191
Total Preferred & Common Equity	2,809	3,066	3,278	7,820	4,330	3,441	3,093	3,015	3,186	3,191
Total Common Equity	2,809	3,066	3,278	7,820	4,330	3,441	3,093	3,015	3,186	3,191
Common Stock	1,534	1,549	1,561	3,797	1,690	1,656	1,673	1,690	1,716	1,735
Retained Earnings	1,308	1,523	1,706	4,091	2,596	1,691	1,727	2,119	2,285	2,296
Treasury Stock	-	-	-	-	-	0.00	-368	-667	-728	-759
Accumulated Other Comprehensive Income / (Loss)	-33	-6.00	11	-68	44	94	61	-127	-87	-81

This table presents OneMain's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	22,341	22,443	23,511	24,146	23,908	25,085	25,578	26,029
Cash and Due from Banks	536	544	1,021	1,190	831	667	577	627
Restricted Cash	483	531	532	580	599	630	693	736
Trading Account Securities	1,747	1,786	1,710	1,635	1,691	1,681	1,581	1,670
Loans and Leases, Net of Allowance	-2,255	0.00	-2,392	-2,449	-2,454	-2,564	-2,645	-2,688
Allowance for Loan and Lease Losses	2,255	-	2,392	2,449	2,454	2,564	2,645	2,688
Unearned Premiums Asset	-747	-740	-761	-772	-749	-753	-765	-747
Goodwill	1,437	1,437	1,437	1,437	1,437	1,474	1,474	1,474
Intangible Assets	272	261	260	260	259	289	288	285
Other Assets	20,868	18,624	21,704	22,265	22,294	23,661	24,375	24,672
Total Liabilities & Shareholders' Equity	22,341	22,443	23,511	24,146	23,908	25,085	25,578	26,029
Total Liabilities	19,329	19,362	20,453	21,037	20,694	21,932	22,370	22,749
Long-Term Debt	18,202	18,206	19,195	19,851	19,520	20,671	21,137	21,494
Future Policy Benefits	600	615	616	599	597	594	597	567
Other Long-Term Liabilities	527	541	642	587	577	667	636	688
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	3,012	3,081	3,058	3,109	3,214	3,153	3,208	3,280
Total Preferred & Common Equity	3,012	3,081	3,058	3,109	3,214	3,153	3,208	3,280
Total Common Equity	3,012	3,081	3,058	3,109	3,214	3,153	3,208	3,280
Common Stock	1,686	1,694	1,703	1,707	1,719	1,724	1,729	1,735
Retained Earnings	2,063	2,188	2,168	2,240	2,318	2,263	2,295	2,384
Treasury Stock	-612	-693	-699	-709	-732	-739	-757	-774
Accumulated Other Comprehensive Income / (Loss)	-125	-108	-114	-129	-91	-95	-59	-65

This table displays calculated financial ratios and metrics derived from OneMain's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-25.59%	104.94%	-2.87%	14.18%	12.57%	2.33%	3.15%	4.59%	2.59%	5.21%
EBITDA Growth	-103.17%	3,232.14%	-13.46%	20.29%	49.95%	-9.35%	64.06%	-30.40%	-22.58%	-13.95%
EBIT Growth	-126.25%	257.52%	21.07%	44.78%	75.96%	-11.02%	81.37%	-34.82%	-27.27%	-20.60%
NOPAT Growth	-126.86%	253.60%	-24.69%	144.26%	91.28%	-14.62%	80.00%	-33.64%	-26.49%	-20.59%
Net Income Growth	-115.79%	361.29%	-24.69%	144.26%	91.28%	-14.62%	80.00%	-33.64%	-26.49%	-20.59%
EPS Growth	-142.79%	192.44%	-15.09%	143.70%	90.58%	-13.72%	82.62%	-29.05%	-24.11%	-20.30%
Operating Cash Flow Growth	94.49%	78.41%	17.62%	31.58%	15.44%	-6.35%	1.58%	6.23%	5.53%	7.15%
Free Cash Flow Firm Growth	-297.86%	132.50%	-134.48%	-1,632.23%	190.14%	-94.10%	66.05%	-75.53%	-353.46%	-5.56%
Invested Capital Growth	96.51%	-15.00%	7.65%	108.29%	-43.57%	-1.40%	-1.87%	2.17%	8.00%	7.09%
Revenue Q/Q Growth	43.40%	4.60%	2.98%	2.57%	3.65%	-0.77%	1.68%	0.19%	1.06%	1.42%
EBITDA Q/Q Growth	-121.54%	54.13%	18.04%	7.29%	7.80%	11.90%	-4.19%	-9.46%	-1.70%	-5.32%
EBIT Q/Q Growth	-1,954.55%	1,086.67%	57.88%	4.52%	13.31%	15.62%	-4.73%	-11.83%	-1.29%	-7.87%
NOPAT Q/Q Growth	-1,954.55%	367.31%	7.02%	40.57%	12.20%	15.51%	-6.81%	-9.07%	-1.69%	-7.12%
Net Income Q/Q Growth	-444.44%	367.31%	7.02%	40.57%	12.20%	15.51%	-6.81%	-9.07%	-1.69%	-7.12%
EPS Q/Q Growth	-81.05%	1,235.71%	7.14%	40.60%	12.16%	15.60%	-5.73%	-7.64%	-1.66%	-7.22%
Operating Cash Flow Q/Q Growth	67.27%	-10.62%	9.05%	15.53%	1.85%	-2.21%	1.13%	2.40%	0.56%	2.82%
Free Cash Flow Firm Q/Q Growth	-393.95%	170.55%	-75.55%	-1,511.38%	1,880.96%	-5.67%	33.54%	-20.49%	2.93%	-33.93%
Invested Capital Q/Q Growth	61.74%	-0.09%	2.68%	97.08%	2.02%	2.84%	0.29%	0.39%	0.17%	1.17%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	-1.90%	28.97%	25.82%	27.20%	36.23%	32.09%	51.04%	33.96%	25.63%	20.96%
EBIT Margin	-15.30%	11.76%	14.66%	18.59%	29.06%	25.27%	44.42%	27.68%	19.63%	14.81%
Profit (Net Income) Margin	-6.30%	8.03%	6.22%	13.32%	22.63%	18.88%	32.94%	20.90%	14.98%	11.30%
Tax Burden Percent	41.15%	68.26%	42.46%	71.63%	77.87%	74.72%	75.47%	75.50%	76.31%	76.31%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	98.25%	100.00%	100.00%	100.00%
Effective Tax Rate	0.00%	31.74%	57.54%	28.37%	22.13%	25.28%	24.53%	24.50%	23.69%	23.69%
Return on Invested Capital (ROIC)	-1.05%	1.31%	1.04%	1.58%	2.86%	3.41%	6.24%	4.14%	2.89%	2.14%
ROIC Less NNEP Spread (ROIC-NNEP)	-0.54%	1.31%	1.04%	1.58%	2.86%	3.41%	6.24%	4.14%	2.89%	2.14%
Return on Net Nonoperating Assets (RNNOA)	-3.03%	7.07%	4.73%	6.47%	11.21%	15.38%	33.98%	24.41%	17.78%	13.83%
Return on Equity (ROE)	-4.07%	8.39%	5.77%	8.06%	14.07%	18.79%	40.22%	28.55%	20.67%	15.96%
Cash Return on Invested Capital (CROIC)	-66.14%	17.53%	-6.34%	-68.67%	58.57%	4.82%	8.14%	1.99%	-4.80%	-4.71%
Operating Return on Assets (OROA)	-1.41%	1.81%	2.30%	2.09%	3.47%	4.31%	7.96%	5.18%	3.59%	2.66%
Return on Assets (ROA)	-0.58%	1.24%	0.97%	1.49%	2.71%	3.22%	5.90%	3.91%	2.74%	2.03%
Return on Common Equity (ROCE)	-4.31%	8.50%	5.77%	8.06%	14.07%	18.79%	40.22%	28.55%	20.67%	15.96%
Return on Equity Simple (ROE_SIMPLE)	-3.31%	7.93%	5.58%	5.72%	19.75%	21.21%	42.48%	28.92%	20.12%	15.95%
Net Operating Profit after Tax (NOPAT)	-158	243	183	447	855	730	1,314	872	641	509
NOPAT Margin	-10.71%	8.03%	6.22%	13.32%	22.63%	18.88%	32.94%	20.90%	14.98%	11.30%
Net Nonoperating Expense Percent (NNEP)	-0.51%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	32.84%	26.03%	26.43%	27.32%	21.38%	19.55%	21.03%	20.04%	19.98%	19.52%
Operating Expenses to Revenue	66.82%	57.45%	52.86%	50.19%	41.07%	40.63%	40.71%	38.71%	40.16%	39.88%
Earnings before Interest and Taxes (EBIT)	-226	356	431	624	1,098	977	1,772	1,155	840	667
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-28	877	759	913	1,369	1,241	2,036	1,417	1,097	944
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.02	0.50	0.55	0.22	0.74	1.32	1.78	1.22	1.85	2.12
Price to Tangible Book Value (P/TBV)	3.53	1.33	1.25	0.40	1.24	2.66	3.98	2.79	3.96	4.72
Price to Revenue (P/Rev)	1.94	0.51	0.61	0.50	0.84	1.18	1.38	0.88	1.38	1.50
Price to Earnings (P/E)	0.00	7.11	9.85	3.78	3.73	6.23	4.09	4.22	9.19	13.26
Dividend Yield	0.00%	0.00%	0.00%	0.00%	4.27%	5.36%	6.56%	13.68%	8.83%	7.90%
Earnings Yield	0.00%	14.06%	10.15%	26.44%	26.80%	16.04%	24.45%	23.72%	10.88%	7.54%
Enterprise Value to Invested Capital (EV/IC)	0.92	0.84	0.84	0.78	0.87	0.92	1.07	0.99	1.05	1.10
Enterprise Value to Revenue (EV/Rev)	12.50	4.74	5.23	8.85	4.97	5.08	5.57	5.03	5.64	6.01
Enterprise Value to EBITDA (EV/EBITDA)	0.00	16.35	20.25	32.54	13.71	15.82	10.92	14.82	22.02	28.65
Enterprise Value to EBIT (EV/EBIT)	0.00	40.28	35.66	47.61	17.10	20.09	12.55	18.18	28.75	40.55
Enterprise Value to NOPAT (EV/NOPAT)	0.00	59.02	83.97	66.46	21.95	26.89	16.92	24.08	37.68	53.14
Enterprise Value to Operating Cash Flow (EV/OCF)	24.92	10.85	9.88	14.52	7.95	8.87	9.90	8.80	9.59	10.02
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	4.42	0.00	0.00	1.07	19.04	12.99	50.12	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	6.34	4.55	4.59	3.88	3.98	5.17	5.74	6.06	6.22	6.72
Long-Term Debt to Equity	6.34	4.55	4.59	3.88	3.98	5.17	5.74	6.06	6.22	6.72
Financial Leverage	5.62	5.39	4.57	4.09	3.92	4.51	5.44	5.90	6.14	6.47
Leverage Ratio	7.01	6.78	5.92	5.39	5.20	5.83	6.82	7.30	7.55	7.87
Compound Leverage Factor	7.01	6.78	5.92	5.39	5.20	5.83	6.70	7.30	7.55	7.87
Debt to Total Capital	86.37%	81.99%	82.11%	79.52%	79.90%	83.80%	85.16%	85.84%	86.15%	87.04%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	86.37%	81.99%	82.11%	79.52%	79.90%	83.80%	85.16%	85.84%	86.15%	87.04%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	-0.39%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	14.02%	18.01%	17.89%	20.48%	20.10%	16.20%	14.84%	14.16%	13.85%	12.96%
Debt to EBITDA	-617.86	15.92	19.83	33.25	12.57	14.34	8.72	12.90	18.06	22.71
Net Debt to EBITDA	-560.18	14.61	17.87	30.69	11.38	12.15	8.22	12.22	16.65	21.50
Long-Term Debt to EBITDA	-617.86	15.92	19.83	33.25	12.57	14.34	8.72	12.90	18.06	22.71
Debt to NOPAT	-109.36	57.44	82.24	67.91	20.13	24.38	13.51	20.96	30.91	42.12
Net Debt to NOPAT	-99.15	52.72	74.13	62.68	18.22	20.65	12.73	19.86	28.49	39.87
Long-Term Debt to NOPAT	-109.36	57.44	82.24	67.91	20.13	24.38	13.51	20.96	30.91	42.12
Noncontrolling Interest Sharing Ratio	-5.85%	-1.36%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-9,995	3,248	-1,120	-19,401	17,489	1,031	1,712	419	-1,062	-1,121
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-13.98	3.79	-1.37	-22.17	18.03	1.00	1.83	0.47	-1.04	-0.95
Operating Cash Flow to Interest Expense	1.04	1.54	1.91	2.34	2.44	2.15	2.40	2.68	2.47	2.28
Operating Cash Flow Less CapEx to Interest Expense	1.04	1.54	1.91	2.34	2.44	2.15	2.40	2.68	2.47	2.28
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.09	0.15	0.16	0.11	0.12	0.17	0.18	0.19	0.18	0.18
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	20,030	17,025	18,328	38,176	21,542	21,241	20,843	21,296	22,999	24,629
Invested Capital Turnover	0.10	0.16	0.17	0.12	0.13	0.18	0.19	0.20	0.19	0.19
Increase / (Decrease) in Invested Capital	9,837	-3,005	1,303	19,848	-16,634	-301	-398	453	1,703	1,630
Enterprise Value (EV)	18,469	14,341	15,367	29,707	18,770	19,628	22,234	20,998	24,154	27,047
Market Capitalization	2,863	1,529	1,802	1,691	3,190	4,551	5,501	3,676	5,889	6,751
Book Value per Share	$20.89	$22.75	$24.23	$57.59	$31.81	$23.82	$21.86	$22.78	$24.50	$24.64
Tangible Book Value per Share	$6.02	$8.55	$10.63	$30.94	$18.85	$11.86	$9.77	$9.95	$11.45	$11.05
Total Capital	20,030	17,025	18,328	38,176	21,542	21,241	20,843	21,296	22,999	24,629
Total Debt	17,300	13,959	15,050	30,356	17,212	17,800	17,750	18,281	19,813	21,438
Total Long-Term Debt	17,300	13,959	15,050	30,356	17,212	17,800	17,750	18,281	19,813	21,438
Net Debt	15,685	12,812	13,565	28,016	15,580	15,077	16,733	17,322	18,265	20,296
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	-65	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	17,300	13,959	15,050	30,356	17,212	17,800	17,750	18,281	19,813	21,438
Total Depreciation and Amortization (D&A)	198	521	328	289	271	264	264	262	257	277
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($1.89)	$1.60	$1.35	$3.29	$6.28	$5.42	$9.90	$7.07	$5.33	$4.26
Adjusted Weighted Average Basic Shares Outstanding	127.91M	134.72M	135.25M	135.70M	136.07M	134.72M	132.65M	124.18M	120.38M	119.66M
Adjusted Diluted Earnings per Share	($1.89)	$1.59	$1.35	$3.29	$6.27	$5.41	$9.87	$7.06	$5.32	$4.24
Adjusted Weighted Average Diluted Shares Outstanding	127.91M	135.14M	135.68M	136.03M	136.33M	134.92M	133.05M	124.42M	120.63M	120.12M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	134.74M	135.22M	135.60M	135.99M	146.35M	144.51M	137.62M	130.97M	129.93M	129.53M
Normalized Net Operating Profit after Tax (NOPAT)	-115	317	302	447	855	730	1,314	872	641	509
Normalized NOPAT Margin	-7.77%	10.46%	10.26%	13.32%	22.63%	18.88%	32.94%	20.90%	14.98%	11.30%
Pre Tax Income Margin	-15.30%	11.76%	14.66%	18.59%	29.06%	25.27%	43.65%	27.68%	19.63%	14.81%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-0.32	0.42	0.53	0.71	1.13	0.95	1.89	1.29	0.82	0.56
NOPAT to Interest Expense	-0.22	0.28	0.22	0.51	0.88	0.71	1.40	0.98	0.63	0.43
EBIT Less CapEx to Interest Expense	-0.32	0.42	0.53	0.71	1.13	0.95	1.89	1.29	0.82	0.56
NOPAT Less CapEx to Interest Expense	-0.22	0.28	0.22	0.51	0.88	0.71	1.40	0.98	0.63	0.43
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	7.41%	5.46%	0.00%	47.72%	110.41%	96.96%	55.05%	75.98%	97.84%
Augmented Payout Ratio	0.00%	7.41%	5.46%	0.00%	47.72%	116.58%	124.96%	89.79%	86.12%	104.72%

This table displays calculated financial ratios and metrics derived from OneMain's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	3.30%	0.76%	0.00%	4.24%	1.88%	4.25%	4.26%	3.59%	7.19%	5.70%	10.04%
EBITDA Growth	-30.72%	-32.60%	-35.65%	-40.94%	0.97%	-6.21%	-8.78%	-19.80%	-10.90%	-18.47%	27.78%
EBIT Growth	-34.57%	-40.05%	-41.10%	-50.36%	0.00%	-4.74%	-13.19%	-33.33%	-15.85%	-25.79%	34.80%
NOPAT Growth	-35.76%	-33.08%	-40.92%	-50.48%	4.86%	-6.25%	-13.41%	-31.07%	-19.07%	-23.64%	37.42%
Net Income Growth	-35.76%	-33.08%	-40.92%	-50.48%	4.86%	-6.25%	-13.41%	-31.07%	-19.07%	-23.64%	37.42%
EPS Growth	-31.34%	-28.29%	-37.82%	-49.10%	8.05%	-6.12%	-12.84%	-30.59%	-18.63%	-23.91%	37.98%
Operating Cash Flow Growth	7.07%	9.21%	1.81%	9.11%	9.36%	2.11%	-0.71%	4.25%	13.59%	10.91%	19.18%
Free Cash Flow Firm Growth	-254.38%	-141.91%	150.00%	105.77%	-528.34%	-455.23%	-282.49%	-3,161.22%	20.88%	2.21%	-41.41%
Invested Capital Growth	2.08%	2.17%	-2.42%	0.24%	8.23%	8.00%	6.80%	7.06%	6.03%	7.09%	8.97%
Revenue Q/Q Growth	4.93%	-0.47%	-2.64%	2.52%	2.55%	1.84%	-2.62%	1.86%	6.11%	0.43%	1.37%
EBITDA Q/Q Growth	-9.65%	-0.97%	-3.27%	-31.76%	54.46%	-8.01%	-5.92%	-40.00%	71.60%	-15.83%	47.44%
EBIT Q/Q Growth	-11.51%	-5.69%	1.29%	-41.28%	78.26%	-10.16%	-7.69%	-54.90%	125.00%	-20.77%	67.68%
NOPAT Q/Q Growth	-11.06%	-4.86%	1.70%	-42.46%	88.35%	-14.95%	-6.06%	-54.19%	121.13%	-19.75%	69.05%
Net Income Q/Q Growth	-11.06%	-4.86%	1.70%	-42.46%	88.35%	-14.95%	-6.06%	-54.19%	121.13%	-19.75%	69.05%
EPS Q/Q Growth	-10.78%	-1.34%	0.68%	-42.57%	89.41%	-14.29%	-6.52%	-54.26%	122.03%	-19.85%	69.52%
Operating Cash Flow Q/Q Growth	-12.94%	21.83%	-15.36%	21.53%	-12.74%	13.76%	-17.70%	27.60%	-4.92%	11.08%	-11.57%
Free Cash Flow Firm Q/Q Growth	70.91%	-12.15%	355.60%	-93.08%	-3,267.35%	0.90%	15.99%	-16.10%	18.13%	-22.48%	-21.48%
Invested Capital Q/Q Growth	-4.44%	0.39%	-0.04%	4.54%	3.18%	0.17%	-1.15%	4.79%	2.19%	1.17%	0.59%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	29.01%	28.87%	28.68%	19.09%	28.76%	25.97%	25.09%	14.78%	23.90%	20.03%	29.14%
EBIT Margin	23.10%	21.89%	22.77%	13.04%	22.67%	20.00%	18.96%	8.39%	17.80%	14.04%	23.23%
Profit (Net Income) Margin	17.37%	16.60%	17.35%	9.74%	17.88%	14.93%	14.41%	6.48%	13.50%	10.79%	17.99%
Tax Burden Percent	75.20%	75.86%	76.17%	74.64%	78.86%	74.66%	75.98%	77.17%	75.85%	76.83%	77.45%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	24.80%	24.14%	23.83%	25.36%	21.14%	25.34%	24.02%	22.83%	24.15%	23.17%	22.55%
Return on Invested Capital (ROIC)	3.44%	3.29%	3.36%	1.85%	3.43%	2.89%	2.83%	1.23%	2.53%	2.04%	3.49%
ROIC Less NNEP Spread (ROIC-NNEP)	3.44%	3.29%	3.36%	1.85%	3.43%	2.89%	2.83%	1.23%	2.53%	2.04%	3.49%
Return on Net Nonoperating Assets (RNNOA)	20.14%	19.39%	25.90%	14.67%	21.31%	17.73%	16.96%	7.87%	16.44%	13.20%	22.06%
Return on Equity (ROE)	23.59%	22.68%	29.26%	16.51%	24.74%	20.61%	19.79%	9.10%	18.98%	15.24%	25.55%
Cash Return on Invested Capital (CROIC)	2.51%	1.99%	5.93%	2.65%	-4.95%	-4.80%	-3.77%	-4.28%	-3.54%	-4.71%	-6.20%
Operating Return on Assets (OROA)	4.34%	4.09%	4.29%	2.41%	4.13%	3.66%	3.54%	1.51%	3.18%	2.52%	4.29%
Return on Assets (ROA)	3.27%	3.11%	3.27%	1.80%	3.26%	2.73%	2.69%	1.16%	2.41%	1.94%	3.32%
Return on Common Equity (ROCE)	23.59%	22.68%	29.26%	16.51%	24.74%	20.61%	19.79%	9.10%	18.98%	15.24%	25.55%
Return on Equity Simple (ROE_SIMPLE)	31.84%	0.00%	24.28%	21.03%	20.97%	0.00%	19.20%	18.55%	17.08%	0.00%	17.29%
Net Operating Profit after Tax (NOPAT)	185	176	179	103	194	165	155	71	157	126	213
NOPAT Margin	17.37%	16.60%	17.35%	9.74%	17.88%	14.93%	14.41%	6.48%	13.50%	10.79%	17.99%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	19.91%	20.19%	20.54%	20.70%	20.00%	18.73%	20.82%	18.80%	18.92%	19.61%	18.41%
Operating Expenses to Revenue	37.37%	40.00%	39.92%	41.68%	39.54%	39.55%	40.99%	39.14%	38.18%	41.27%	38.26%
Earnings before Interest and Taxes (EBIT)	246	232	235	138	246	221	204	92	207	164	275
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	309	306	296	202	312	287	270	162	278	234	345
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.09	1.22	1.37	1.67	1.54	1.85	1.98	1.95	1.91	2.12	1.93
Price to Tangible Book Value (P/TBV)	2.51	2.79	3.05	3.75	3.39	3.96	4.19	4.43	4.23	4.72	4.16
Price to Revenue (P/Rev)	0.79	0.88	1.01	1.21	1.13	1.38	1.47	1.41	1.38	1.50	1.37
Price to Earnings (P/E)	3.30	4.22	5.64	7.93	7.33	9.19	10.32	10.53	11.16	13.26	11.17
Dividend Yield	14.53%	13.68%	11.96%	10.00%	10.79%	8.83%	8.17%	8.52%	8.67%	7.90%	8.51%
Earnings Yield	30.27%	23.72%	17.74%	12.60%	13.64%	10.88%	9.69%	9.50%	8.96%	7.54%	8.96%
Enterprise Value to Invested Capital (EV/IC)	0.96	0.99	1.00	1.02	1.00	1.05	1.08	1.07	1.07	1.10	1.07
Enterprise Value to Revenue (EV/Rev)	4.91	5.03	5.12	5.40	5.40	5.64	5.66	5.85	5.85	6.01	5.74
Enterprise Value to EBITDA (EV/EBITDA)	13.07	14.82	17.04	20.43	20.49	22.02	22.83	24.77	26.06	28.65	25.97
Enterprise Value to EBIT (EV/EBIT)	15.61	18.18	21.54	26.73	26.86	28.75	30.23	33.47	35.89	40.55	35.86
Enterprise Value to NOPAT (EV/NOPAT)	21.33	24.08	28.54	35.37	35.06	37.68	39.64	43.65	47.41	53.14	46.67
Enterprise Value to Operating Cash Flow (EV/OCF)	8.77	8.80	8.91	9.27	9.13	9.59	9.72	10.04	9.90	10.02	9.43
Enterprise Value to Free Cash Flow (EV/FCFF)	38.81	50.12	16.72	38.61	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	6.04	6.06	5.91	6.28	6.39	6.22	6.07	6.56	6.59	6.72	6.55
Long-Term Debt to Equity	6.04	6.06	5.91	6.28	6.39	6.22	6.07	6.56	6.59	6.72	6.55
Financial Leverage	5.85	5.90	7.71	7.94	6.22	6.14	5.99	6.42	6.49	6.47	6.32
Leverage Ratio	7.22	7.30	8.95	9.20	7.59	7.55	7.36	7.82	7.87	7.87	7.69
Compound Leverage Factor	7.22	7.30	8.95	9.20	7.59	7.55	7.36	7.82	7.87	7.87	7.69
Debt to Total Capital	85.80%	85.84%	85.53%	86.26%	86.46%	86.15%	85.86%	86.77%	86.82%	87.04%	86.76%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	85.80%	85.84%	85.53%	86.26%	86.46%	86.15%	85.86%	86.77%	86.82%	87.04%	86.76%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	14.20%	14.16%	14.47%	13.74%	13.54%	13.85%	14.14%	13.23%	13.18%	12.96%	13.24%
Debt to EBITDA	11.63	12.90	14.53	17.25	17.79	18.06	18.23	20.05	21.20	22.71	21.09
Net Debt to EBITDA	10.98	12.22	13.67	15.85	16.20	16.65	16.89	18.79	19.93	21.50	19.76
Long-Term Debt to EBITDA	11.63	12.90	14.53	17.25	17.79	18.06	18.23	20.05	21.20	22.71	21.09
Debt to NOPAT	18.98	20.96	24.34	29.85	30.45	30.91	31.64	35.34	38.57	42.12	37.91
Net Debt to NOPAT	17.92	19.86	22.90	27.44	27.73	28.49	29.32	33.12	36.25	39.87	35.50
Long-Term Debt to NOPAT	18.98	20.96	24.34	29.85	30.45	30.91	31.64	35.34	38.57	42.12	37.91
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-247	-277	708	49	-1,552	-1,538	-1,292	-1,500	-1,228	-1,504	-1,827
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-1.11	-1.20	2.96	0.20	-5.81	-5.72	-4.66	-5.05	-4.08	-4.85	-5.86
Operating Cash Flow to Interest Expense	2.44	2.87	2.35	2.80	2.23	2.52	2.01	2.40	2.25	2.43	2.13
Operating Cash Flow Less CapEx to Interest Expense	2.44	2.87	2.35	2.80	2.23	2.52	2.01	2.40	2.25	2.43	2.13
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.19	0.19	0.19	0.18	0.18	0.18	0.19	0.18	0.18	0.18	0.18
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	21,214	21,296	21,287	22,253	22,960	22,999	22,734	23,824	24,345	24,629	24,774
Invested Capital Turnover	0.20	0.20	0.19	0.19	0.19	0.19	0.20	0.19	0.19	0.19	0.19
Increase / (Decrease) in Invested Capital	432	453	-529	54	1,746	1,703	1,447	1,571	1,385	1,630	2,040
Enterprise Value (EV)	20,453	20,998	21,348	22,743	22,862	24,154	24,455	25,535	25,983	27,047	26,462
Market Capitalization	3,270	3,676	4,217	5,101	4,781	5,889	6,365	6,161	6,116	6,751	6,331
Book Value per Share	$22.51	$22.78	$23.52	$23.39	$23.81	$24.50	$26.82	$24.26	$24.69	$24.64	$25.32
Tangible Book Value per Share	$9.74	$9.95	$10.56	$10.41	$10.81	$11.45	$12.67	$10.69	$11.13	$11.05	$11.74
Total Capital	21,214	21,296	21,287	22,253	22,960	22,999	22,734	23,824	24,345	24,629	24,774
Total Debt	18,202	18,281	18,206	19,195	19,851	19,813	19,520	20,671	21,137	21,438	21,494
Total Long-Term Debt	18,202	18,281	18,206	19,195	19,851	19,813	19,520	20,671	21,137	21,438	21,494
Net Debt	17,183	17,322	17,131	17,642	18,081	18,265	18,090	19,374	19,867	20,296	20,131
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	18,202	18,281	18,206	19,195	19,851	19,813	19,520	20,671	21,137	21,438	21,494
Total Depreciation and Amortization (D&A)	63	74	61	64	66	66	66	70	71	70	70
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.52	$1.47	$1.48	$0.85	$1.61	$1.39	$1.29	$0.59	$1.32	$1.06	$1.79
Adjusted Weighted Average Basic Shares Outstanding	123.35M	124.18M	120.77M	120.54M	120.41M	120.38M	119.83M	119.79M	119.67M	119.66M	119.40M
Adjusted Diluted Earnings per Share	$1.52	$1.47	$1.48	$0.85	$1.61	$1.38	$1.29	$0.59	$1.31	$1.05	$1.78
Adjusted Weighted Average Diluted Shares Outstanding	123.57M	124.42M	120.97M	120.65M	120.75M	120.63M	120.24M	120.19M	120.12M	120.12M	119.97M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	132.37M	130.97M	130.75M	130.58M	130.06M	129.93M	129.97M	129.93M	129.51M	129.53M	129.13M
Normalized Net Operating Profit after Tax (NOPAT)	185	176	179	103	194	165	155	71	157	126	213
Normalized NOPAT Margin	17.37%	16.60%	17.35%	9.74%	17.88%	14.93%	14.41%	6.48%	13.50%	10.79%	17.99%
Pre Tax Income Margin	23.10%	21.89%	22.77%	13.04%	22.67%	20.00%	18.96%	8.39%	17.80%	14.04%	23.23%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.10	1.00	0.98	0.57	0.92	0.82	0.74	0.31	0.69	0.53	0.88
NOPAT to Interest Expense	0.83	0.76	0.75	0.42	0.73	0.61	0.56	0.24	0.52	0.41	0.68
EBIT Less CapEx to Interest Expense	1.10	1.00	0.98	0.57	0.92	0.82	0.74	0.31	0.69	0.53	0.88
NOPAT Less CapEx to Interest Expense	0.83	0.76	0.75	0.42	0.73	0.61	0.56	0.24	0.52	0.41	0.68
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	47.24%	55.05%	63.77%	74.49%	73.93%	75.98%	78.77%	83.59%	90.15%	97.84%	88.54%
Augmented Payout Ratio	93.01%	89.79%	93.18%	95.18%	89.42%	86.12%	85.74%	91.11%	99.64%	104.72%	96.65%

Financials Breakdown Chart

Key Financial Trends

OneMain Holdings (NYSE: OMF) has shown steady financial performance with some notable trends over the last four years up to Q1 2025.

Positive Trends:

Net interest income has generally increased from about $855 million in Q1 2023 to around $996 million in Q1 2025, indicating stronger core lending operations.
Consolidated net income improved significantly from $179 million in Q1 2023 to $213 million in Q1 2025, demonstrating enhanced profitability.
Total revenue rose steadily, hitting $1.18 billion in Q1 2025 from approximately $1.03 billion in Q1 2023, reflecting growth in both interest and non-interest income.
Provision for credit losses, though fluctuating, showed signs of stabilization with $456 million in Q1 2025 after peaking around $575 million in mid-2024, suggesting improved credit quality management.
Operating cash flow increased to $665 million in Q1 2025 compared to $562 million in Q1 2023, enhancing the company's liquidity position.
Total assets expanded from $22.4 billion in Q1 2023 to $26.0 billion in Q1 2025, signaling growth and an expanding balance sheet.
Shareholder equity rose from approximately $3.08 billion in Q1 2023 to $3.28 billion in Q1 2025, indicating value creation for shareholders.
Repayment of debt and issuance of debt activities show active debt management, with sizable issuances matched by repayments to optimize capital structure.
Dividends per share increased slightly from $1.00 in early 2023 to $1.04 in Q1 2025, supporting shareholder returns.

Neutral Observations:

Non-interest income is fairly volatile quarter to quarter, largely driven by investment banking income and realized/unrealized gains on investments.
Salaries and employee benefit expenses have increased modestly but remain consistent with revenue growth, reflecting stable operating cost control.
The allowance for loan and lease losses remains high, around $2.7 billion, emphasizing the continued focus on credit risk provisioning.
Cash and due from banks and restricted cash fluctuate regularly, indicative of normal cash management practices in financing and operations.

Negative Trends:

Provision for credit losses remains a significant expense line, with elevated values above $400 million in most quarters, which could pressure net income if credit conditions deteriorate.
Other operating expenses increased to $186 million in Q1 2025 from $153 million in Q1 2023, indicating potentially rising costs not fully offset by revenue growth.
Property and liability insurance claims remain substantial and somewhat steady, around $49 million in Q1 2025, which is a consistent expense burden.

Overall, OneMain Holdings demonstrates improving profitability and revenue growth, supported by solid interest income and effective balance sheet expansion. However, credit loss provisions and certain operational expenses remain areas to watch for long-term margin sustainability. The company's active cash flow management and stable dividend policy add to its attractiveness for investors.

09/18/25 01:26 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About OneMain's Financials

When does OneMain's financial year end?

According to the most recent income statement we have on file, OneMain's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has OneMain's net income changed over the last 9 years?

OneMain's net income appears to be on an upward trend, with a most recent value of $509 million in 2024, falling from -$93 million in 2015. The previous period was $641 million in 2023. See OneMain's forecast for analyst expectations on what’s next for the company.

How has OneMain's revenue changed over the last 9 years?

Over the last 9 years, OneMain's total revenue changed from $1.48 billion in 2015 to $4.50 billion in 2024, a change of 204.9%.

How much debt does OneMain have?

OneMain's total liabilities were at $22.72 billion at the end of 2024, a 7.6% increase from 2023, and a 23.1% increase since 2015.

How much cash does OneMain have?

In the past 9 years, OneMain's cash and equivalents has ranged from $458 million in 2024 to $2.27 billion in 2020, and is currently $458 million as of their latest financial filing in 2024.

How has OneMain's book value per share changed over the last 9 years?

Over the last 9 years, OneMain's book value per share changed from 20.89 in 2015 to 24.64 in 2024, a change of 18.0%.

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This page (NYSE:OMF) was last updated on 9/18/2025 by MarketBeat.com Staff

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OneMain (OMF) Financials

Financials Breakdown Chart

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OneMain (OMF) Financials

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