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OneMain (OMF) Financials

OneMain logo
$55.86 +0.81 (+1.48%)
Closing price 05/6/2026 03:59 PM Eastern
Extended Trading
$56.13 +0.27 (+0.48%)
As of 08:46 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for OneMain

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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -220 215 183 447 855 730 1,345 872 641 509 783
Consolidated Net Income / (Loss)		 -93 243 183 447 855 730 1,314 872 641 509 783
Net Income / (Loss) Continuing Operations		 -93 243 183 447 855 730 1,345 872 641 509 783
Total Pre-Tax Income 		-226 356 431 624 1,098 977 1,741 1,155 840 667 1,001
Total Revenue		 1,477 3,027 2,940 3,357 3,779 3,867 3,989 4,172 4,280 4,503 4,903
Net Interest Income / (Expense)		 1,215 2,254 2,380 2,783 3,157 3,341 3,427 3,543 3,545 3,808 4,183
Total Interest Income		 1,930 3,110 3,196 3,658 4,127 4,368 4,364 4,435 4,564 4,993 5,455
Total Interest Expense		 715 856 816 875 970 1,027 937 892 1,019 1,185 1,272
Long-Term Debt Interest Expense		 715 856 816 875 970 1,027 937 892 1,019 1,185 1,272
Total Non-Interest Income		 262 773 560 574 622 526 531 629 735 695 720
Service Charges on Deposit Accounts		 211 449 420 429 460 443 434 445 448 445 445
Other Service Charges		 -1.00 70 96 70 102 47 63 87 119 153 180
Net Realized & Unrealized Capital Gains on Investments		 0.00 168 -29 9.00 -35 -39 - 36 52 -11 -3.00
Investment Banking Income		 52 86 73 66 95 75 65 61 116 108 98
Provision for Credit Losses		 716 932 955 1,048 1,129 1,319 593 1,402 1,721 2,040 1,997
Total Non-Interest Expense		 987 1,739 1,554 1,685 1,552 1,571 1,624 1,615 1,719 1,796 1,905
Salaries and Employee Benefits		 485 788 777 917 808 756 839 836 855 879 923
Property & Liability Insurance Claims		 96 167 184 192 185 242 176 158 189 189 198
Other Operating Expenses		 344 676 593 576 559 573 609 621 675 728 784
Income Tax Expense		 -133 113 248 177 243 247 427 283 199 158 218
Basic Earnings per Share		 ($1.72) $1.60 $1.35 $3.29 $6.28 $5.42 $9.91 $7.02 $5.33 $4.26 $6.59
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 118.66M
Diluted Earnings per Share		 ($1.72) $1.59 $1.35 $3.29 $6.27 $5.41 $9.88 $7.01 $5.32 $4.24 $6.56
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 119.27M
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 127.31M
Cash Dividends to Common per Share		 - - - - $3.00 $5.94 $9.55 $3.80 $4.00 $4.12 $4.17

Quarterly Income Statements for OneMain

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 194 165 155 71 157 126 213 167 199 204 226
Consolidated Net Income / (Loss)		 194 165 155 71 157 126 213 167 199 204 226
Net Income / (Loss) Continuing Operations		 194 165 155 71 157 126 213 167 199 204 226
Total Pre-Tax Income 		246 221 204 92 207 164 275 214 263 249 296
Total Revenue		 1,085 1,105 1,076 1,096 1,163 1,168 1,184 1,198 1,235 1,286 1,262
Net Interest Income / (Expense)		 900 917 896 922 981 1,009 996 1,022 1,072 1,093 1,065
Total Interest Income		 1,167 1,186 1,173 1,219 1,282 1,319 1,308 1,339 1,392 1,416 1,387
Total Interest Expense		 267 269 277 297 301 310 312 317 320 323 322
Long-Term Debt Interest Expense		 267 269 277 297 301 310 312 317 320 323 322
Total Non-Interest Income		 185 188 180 174 182 159 188 176 163 193 197
Service Charges on Deposit Accounts		 113 112 112 111 111 111 110 111 112 112 112
Other Service Charges		 29 33 32 39 42 42 41 45 47 47 49
Net Realized & Unrealized Capital Gains on Investments		 11 11 4.00 -6.00 5.00 -16 11 -4.00 -22 12 13
Investment Banking Income		 32 32 32 30 24 22 26 24 26 22 23
Provision for Credit Losses		 410 447 431 575 512 522 456 511 488 542 465
Total Non-Interest Expense		 429 437 441 429 444 482 453 473 484 495 501
Salaries and Employee Benefits		 217 207 224 206 220 229 218 230 234 241 240
Property & Liability Insurance Claims		 48 50 50 47 43 49 49 54 48 47 52
Other Operating Expenses		 164 180 167 176 181 204 186 189 202 207 209
Income Tax Expense		 52 56 49 21 50 38 62 47 64 45 70
Basic Earnings per Share		 $1.61 $1.39 $1.29 $0.59 $1.32 $1.06 $1.79 $1.40 $1.67 $1.73 $1.93
Weighted Average Basic Shares Outstanding		 120.41M 120.38M 119.83M 119.79M 119.67M 119.66M 119.40M 118.95M 118.76M 118.66M 116.72M
Diluted Earnings per Share		 $1.61 $1.38 $1.29 $0.59 $1.31 $1.05 $1.78 $1.40 $1.67 $1.71 $1.93
Weighted Average Diluted Shares Outstanding		 120.75M 120.63M 120.24M 120.19M 120.12M 120.12M 119.97M 119.39M 119.42M 119.27M 117.27M
Weighted Average Basic & Diluted Shares Outstanding		 130.06M 129.93M 129.97M 129.93M 129.51M 129.53M 129.13M 129.03M 127.89M 127.31M 125.69M
Cash Dividends to Common per Share		 $1.00 - $1.00 $1.04 $1.04 - $1.04 $1.04 $1.04 - $1.05

Annual Cash Flow Statements for OneMain

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 518 -468 338 -307 454 1,091 -1,706 -58 589 -406 471
Net Cash From Operating Activities		 741 1,322 1,555 2,046 2,362 2,212 2,247 2,387 2,519 2,699 3,132
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 3,132
Net Income / (Loss) Continuing Operations		 -93 243 183 447 855 730 1,314 872 641 509 783
Consolidated Net Income / (Loss)		 -93 243 183 447 855 730 1,314 872 641 509 783
Provision For Loan Losses		 716 932 955 1,048 1,129 1,319 593 1,402 1,721 2,040 1,997
Depreciation Expense		 198 521 328 289 271 264 264 262 257 277 287
Non-Cash Adjustments to Reconcile Net Income		 -182 -255 72 176 40 17 171 -4.00 -4.00 21 142
Changes in Operating Assets and Liabilities, net		 102 -119 17 86 67 -118 -95 -145 -96 -148 -77
Net Cash From Investing Activities		 -2,186 -106 -2,192 -2,397 -3,429 -751 -2,143 -2,119 -2,862 -3,266 -3,161
Net Cash From Continuing Investing Activities		 -2,186 -106 -2,192 -2,397 -3,429 -751 -2,143 -2,119 -2,862 -3,266 -3,161
Purchase of Investment Securities		 -6,600 -1,985 -2,949 -3,096 -4,034 -1,771 -3,808 -3,386 -3,832 -4,232 -4,672
Sale and/or Maturity of Investments		 4,414 1,856 757 699 605 1,020 1,665 1,267 970 966 1,511
Net Cash From Financing Activities		 1,964 -1,685 975 44 1,521 -370 -1,810 -326 932 161 500
Net Cash From Continuing Financing Activities		 1,964 -1,685 965 44 1,521 -370 -1,810 -326 932 161 500
Issuance of Debt		 3,027 6,660 5,427 5,525 5,895 7,279 3,759 5,618 4,819 4,388 7,972
Issuance of Common Equity		 976 - - - - 0.00 0.00 2.00 3.00 4.00 5.00
Repayment of Debt		 -1,960 -8,320 -4,447 -5,471 -3,961 -6,792 -3,921 -5,149 -3,328 -3,687 -6,824
Repurchase of Common Equity		 - - - 0.00 - -45 -368 -303 -65 -35 -141
Payment of Dividends		 - -18 -10 0.00 -408 -806 -1,274 -480 -487 -498 -499
Other Financing Activities, Net		 -79 -7.00 5.00 -10 -5.00 -6.00 -6.00 -14 -10 -11 -13
Cash Interest Paid		 594 765 746 752 845 978 891 857 968 1,144 1,236
Cash Income Taxes Paid		 -38 249 156 150 261 289 403 343 215 219 127

Quarterly Cash Flow Statements for OneMain

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 217 -222 -118 -133 -27 -128 221 148 -105 207 -51
Net Cash From Operating Activities		 596 678 558 712 677 752 665 774 828 865 739
Net Cash From Continuing Operating Activities		 596 678 558 712 677 752 665 774 828 865 739
Net Income / (Loss) Continuing Operations		 194 165 155 70 158 126 213 167 199 204 226
Consolidated Net Income / (Loss)		 194 165 155 70 158 126 213 167 199 204 226
Provision For Loan Losses		 410 446 431 575 512 522 456 511 487 543 465
Depreciation Expense		 66 66 66 70 71 70 70 72 72 73 74
Non-Cash Adjustments to Reconcile Net Income		 21 1.00 19 -9.00 -25 30 29 28 59 42 40
Changes in Operating Assets and Liabilities, net		 -95 - -113 6.00 -39 4.00 -103 -4.00 11 3.00 -66
Net Cash From Investing Activities		 -892 -710 -233 -998 -1,007 -1,028 -331 -1,013 -1,010 -807 -227
Net Cash From Continuing Investing Activities		 -892 -710 -233 -998 -1,007 -1,028 -331 -1,013 -1,010 -807 -227
Purchase of Investment Securities		 -1,119 -908 -413 -1,292 -1,305 -1,202 -684 -1,411 -1,372 -1,226 -667
Sale and/or Maturity of Investments		 227 198 180 294 298 174 353 398 362 419 440
Net Cash From Financing Activities		 513 -190 -443 153 303 148 -113 387 77 149 -563
Net Cash From Continuing Financing Activities		 513 -190 -443 153 303 148 -113 387 77 149 -563
Issuance of Debt		 1,390 1,076 -6.00 1,877 1,309 1,202 1,485 2,584 2,229 1,674 1,101
Issuance of Common Equity		 - 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 2.00 1.00
Repayment of Debt		 -743 -1,126 -303 -1,592 -860 -926 -1,447 -2,052 -1,993 -1,332 -1,412
Repurchase of Common Equity		 -11 -20 -5.00 -8.00 -19 -3.00 -16 -21 -33 -71 -107
Payment of Dividends		 -121 -121 -122 -125 -126 -125 -126 -125 -125 -123 -128
Other Financing Activities, Net		 -2.00 - -8.00 - -2.00 -1.00 -10 - -2.00 -1.00 -18

Annual Balance Sheets for OneMain

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 2025
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 12/31/2025
Total Assets		 21,190 18,123 19,433 40,399 22,817 22,471 22,079 22,537 24,294 25,910 27,388
Cash and Due from Banks		 939 579 987 1,342 1,227 2,272 541 498 1,014 458 914
Restricted Cash		 676 568 498 998 405 451 476 461 534 684 699
Trading Account Securities		 2,660 1,917 1,829 3,594 1,884 1,922 1,992 1,800 1,719 1,607 1,590
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 -2,865
Allowance for Loan and Lease Losses		 592 689 697 1,457 829 2,269 2,095 2,311 2,480 2,705 2,865
Unearned Premiums Asset		 - - -590 -1,324 -793 -771 -761 -749 -771 -766 -791
Goodwill		 1,440 1,422 1,400 2,844 1,422 1,422 1,437 1,437 1,437 1,474 1,474
Intangible Assets		 559 492 440 775 343 306 274 261 260 286 282
Other Assets		 611 688 721 33,627 19,158 19,138 20,215 21,140 22,581 24,872 26,085
Total Liabilities & Shareholders' Equity		 21,190 18,123 19,433 40,399 22,817 22,471 22,079 22,537 24,294 25,910 27,388
Total Liabilities		 18,460 15,057 16,155 32,579 18,487 19,030 18,986 19,522 21,108 22,719 23,987
Long-Term Debt		 17,300 13,959 15,050 30,356 17,212 17,800 17,750 18,281 19,813 21,438 22,694
Future Policy Benefits		 747 757 737 1,370 649 621 621 620 615 575 576
Other Long-Term Liabilities		 413 341 368 853 626 609 615 621 680 706 717
Commitments & Contingencies		 0.00 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 3,401
Total Preferred & Common Equity		 2,809 3,066 3,278 7,820 4,330 3,441 3,093 3,015 3,186 3,191 3,401
Total Common Equity		 2,809 3,066 3,278 7,820 4,330 3,441 3,093 3,015 3,186 3,191 3,401
Common Stock		 1,534 1,549 1,561 3,797 1,690 1,656 1,673 1,690 1,716 1,735 1,758
Retained Earnings		 1,308 1,523 1,706 4,091 2,596 1,691 1,727 2,119 2,285 2,296 2,579
Treasury Stock		 - - - - - 0.00 -368 -667 -728 -759 -895
Accumulated Other Comprehensive Income / (Loss)		 -33 -6.00 11 -68 44 94 61 -127 -87 -81 -41

Quarterly Balance Sheets for OneMain

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 22,341 22,443 23,511 24,146 23,908 25,085 25,578 26,029 26,628 26,985 27,018
Cash and Due from Banks		 536 544 1,021 1,190 831 667 577 627 769 658 834
Restricted Cash		 483 531 532 580 599 630 693 736 742 748 728
Trading Account Securities		 1,747 1,786 1,710 1,635 1,691 1,681 1,581 1,670 1,683 1,657 1,614
Loans and Leases, Net of Allowance		 -2,255 0.00 -2,392 -2,449 -2,454 -2,564 -2,645 -2,688 -2,754 -2,815 -2,819
Allowance for Loan and Lease Losses		 2,255 - 2,392 2,449 2,454 2,564 2,645 2,688 2,754 2,815 2,819
Unearned Premiums Asset		 -747 -740 -761 -772 -749 -753 -765 -747 -764 -783 -771
Goodwill		 1,437 1,437 1,437 1,437 1,437 1,474 1,474 1,474 1,474 1,474 1,474
Intangible Assets		 272 261 260 260 259 289 288 285 285 284 281
Other Assets		 20,868 18,624 21,704 22,265 22,294 23,661 24,375 24,672 25,193 25,762 25,677
Total Liabilities & Shareholders' Equity		 22,341 22,443 23,511 24,146 23,908 25,085 25,578 26,029 26,628 26,985 27,018
Total Liabilities		 19,329 19,362 20,453 21,037 20,694 21,932 22,370 22,749 23,302 23,607 23,641
Long-Term Debt		 18,202 18,206 19,195 19,851 19,520 20,671 21,137 21,494 22,053 22,338 22,396
Future Policy Benefits		 600 615 616 599 597 594 597 567 579 578 566
Other Long-Term Liabilities		 527 541 642 587 577 667 636 688 670 691 679
Commitments & Contingencies		 0.00 0.00 0.00 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 3,326 3,378 3,377
Total Preferred & Common Equity		 3,012 3,081 3,058 3,109 3,214 3,153 3,208 3,280 3,326 3,378 3,377
Total Common Equity		 3,012 3,081 3,058 3,109 3,214 3,153 3,208 3,280 3,326 3,378 3,377
Common Stock		 1,686 1,694 1,703 1,707 1,719 1,724 1,729 1,735 1,746 1,751 1,751
Retained Earnings		 2,063 2,188 2,168 2,240 2,318 2,263 2,295 2,384 2,425 2,500 2,680
Treasury Stock		 -612 -693 -699 -709 -732 -739 -757 -774 -794 -826 -1,001
Accumulated Other Comprehensive Income / (Loss)		 -125 -108 -114 -129 -91 -95 -59 -65 -51 -47 -53

Annual Metrics And Ratios for OneMain

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $6.59
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 118.66M
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 $6.56
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 119.27M
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		 134.74M 135.22M 135.60M 135.99M 146.35M 144.51M 137.62M 130.97M 129.93M 129.53M 127.31M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for OneMain

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 127,312,085.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 127,312,085.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.78
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.88% 4.25% 4.26% 3.59% 7.19% 5.70% 10.04% 9.31% 6.19% - 6.59%
EBITDA Growth		 0.97% -6.21% -8.78% -19.80% -10.90% -18.47% 27.78% 76.54% 20.50% - 7.25%
EBIT Growth		 0.00% -4.74% -13.19% -33.33% -15.85% -25.79% 34.80% 132.61% 27.05% - 7.64%
NOPAT Growth		 4.86% -6.25% -13.41% -31.07% -19.07% -23.64% 37.42% 135.21% 26.75% - 6.10%
Net Income Growth		 4.86% -6.25% -13.41% -31.07% -19.07% -23.64% 37.42% 135.21% 26.75% - 6.10%
EPS Growth		 8.05% -6.12% -12.84% -30.59% -18.63% -23.91% 37.98% 137.29% 27.48% - 8.43%
Operating Cash Flow Growth		 9.36% 2.11% -0.71% 4.25% 13.59% 10.91% 19.18% 8.71% 22.30% - 11.13%
Free Cash Flow Firm Growth		 -528.34% -455.23% -282.49% -3,161.22% 20.88% 2.21% -41.41% 7.47% 4.56% - 57.69%
Invested Capital Growth		 8.23% 8.00% 6.80% 7.06% 6.03% 7.09% 8.97% 6.53% 5.63% - 4.03%
Revenue Q/Q Growth		 2.55% 1.84% -2.62% 1.86% 6.11% 0.43% 1.37% 1.18% 3.09% - -1.87%
EBITDA Q/Q Growth		 54.46% -8.01% -5.92% -40.00% 71.60% -15.83% 47.44% -17.10% 17.13% - 14.91%
EBIT Q/Q Growth		 78.26% -10.16% -7.69% -54.90% 125.00% -20.77% 67.68% -22.18% 22.90% - 18.88%
NOPAT Q/Q Growth		 88.35% -14.95% -6.06% -54.19% 121.13% -19.75% 69.05% -21.60% 19.16% - 10.78%
Net Income Q/Q Growth		 88.35% -14.95% -6.06% -54.19% 121.13% -19.75% 69.05% -21.60% 19.16% - 10.78%
EPS Q/Q Growth		 89.41% -14.29% -6.52% -54.26% 122.03% -19.85% 69.52% -21.35% 19.29% - 12.87%
Operating Cash Flow Q/Q Growth		 -12.74% 13.76% -17.70% 27.60% -4.92% 11.08% -11.57% 16.39% 6.98% - -14.57%
Free Cash Flow Firm Q/Q Growth		 -3,267.35% 0.90% 15.99% -16.10% 18.13% -22.48% -21.48% 24.03% 15.56% - 38.75%
Invested Capital Q/Q Growth		 3.18% 0.17% -1.15% 4.79% 2.19% 1.17% 0.59% 2.44% 1.33% - -1.23%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 28.76% 25.97% 25.09% 14.78% 23.90% 20.03% 29.14% 23.87% 27.13% - 29.32%
EBIT Margin		 22.67% 20.00% 18.96% 8.39% 17.80% 14.04% 23.23% 17.86% 21.30% - 23.45%
Profit (Net Income) Margin		 17.88% 14.93% 14.41% 6.48% 13.50% 10.79% 17.99% 13.94% 16.11% - 17.91%
Tax Burden Percent		 78.86% 74.66% 75.98% 77.17% 75.85% 76.83% 77.45% 78.04% 75.67% - 76.35%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 21.14% 25.34% 24.02% 22.83% 24.15% 23.17% 22.55% 21.96% 24.33% - 23.65%
Return on Invested Capital (ROIC)		 3.43% 2.89% 2.83% 1.23% 2.53% 2.04% 3.49% 2.67% 3.08% - 3.53%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.43% 2.89% 2.83% 1.23% 2.53% 2.04% 3.49% 2.67% 3.08% - 3.53%
Return on Net Nonoperating Assets (RNNOA)		 21.31% 17.73% 16.96% 7.87% 16.44% 13.20% 22.06% 17.61% 20.33% - 23.27%
Return on Equity (ROE)		 24.74% 20.61% 19.79% 9.10% 18.98% 15.24% 25.55% 20.28% 23.41% - 26.80%
Cash Return on Invested Capital (CROIC)		 -4.95% -4.80% -3.77% -4.28% -3.54% -4.71% -6.20% -3.63% -2.66% - -0.80%
Operating Return on Assets (OROA)		 4.13% 3.66% 3.54% 1.51% 3.18% 2.52% 4.29% 3.26% 3.88% - 4.40%
Return on Assets (ROA)		 3.26% 2.73% 2.69% 1.16% 2.41% 1.94% 3.32% 2.54% 2.93% - 3.36%
Return on Common Equity (ROCE)		 24.74% 20.61% 19.79% 9.10% 18.98% 15.24% 25.55% 20.28% 23.41% - 26.80%
Return on Equity Simple (ROE_SIMPLE)		 20.97% 0.00% 19.20% 18.55% 17.08% 0.00% 17.29% 19.93% 20.87% - 23.57%
Net Operating Profit after Tax (NOPAT)		 194 165 155 71 157 126 213 167 199 - 226
NOPAT Margin		 17.88% 14.93% 14.41% 6.48% 13.50% 10.79% 17.99% 13.94% 16.11% - 17.91%
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%
SG&A Expenses to Revenue		 20.00% 18.73% 20.82% 18.80% 18.92% 19.61% 18.41% 19.20% 18.95% - 19.02%
Operating Expenses to Revenue		 39.54% 39.55% 40.99% 39.14% 38.18% 41.27% 38.26% 39.48% 39.19% - 39.70%
Earnings before Interest and Taxes (EBIT)		 246 221 204 92 207 164 275 214 263 - 296
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 312 287 270 162 278 234 345 286 335 - 370
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.54 1.85 1.98 1.95 1.91 2.12 1.93 2.21 2.16 - 2.02
Price to Tangible Book Value (P/TBV)		 3.39 3.96 4.19 4.43 4.23 4.72 4.16 4.70 4.50 - 4.20
Price to Revenue (P/Rev)		 1.13 1.38 1.47 1.41 1.38 1.50 1.37 1.56 1.52 - 1.37
Price to Earnings (P/E)		 7.33 9.19 10.32 10.53 11.16 13.26 11.17 11.10 10.33 - 8.56
Dividend Yield		 10.79% 8.83% 8.17% 8.52% 8.67% 7.90% 8.51% 7.30% 9.21% - 7.81%
Earnings Yield		 13.64% 10.88% 9.69% 9.50% 8.96% 7.54% 8.96% 9.01% 9.68% - 11.69%
Enterprise Value to Invested Capital (EV/IC)		 1.00 1.05 1.08 1.07 1.07 1.10 1.07 1.10 1.10 - 1.07
Enterprise Value to Revenue (EV/Rev)		 5.40 5.64 5.66 5.85 5.85 6.01 5.74 5.92 5.90 - 5.55
Enterprise Value to EBITDA (EV/EBITDA)		 20.49 22.02 22.83 24.77 26.06 28.65 25.97 24.41 23.51 - 21.05
Enterprise Value to EBIT (EV/EBIT)		 26.86 28.75 30.23 33.47 35.89 40.55 35.86 32.44 30.80 - 27.05
Enterprise Value to NOPAT (EV/NOPAT)		 35.06 37.68 39.64 43.65 47.41 53.14 46.67 42.09 40.02 - 34.73
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.13 9.59 9.72 10.04 9.90 10.02 9.43 9.73 9.35 - 8.62
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 6.39 6.22 6.07 6.56 6.59 6.72 6.55 6.63 6.61 - 6.63
Long-Term Debt to Equity		 6.39 6.22 6.07 6.56 6.59 6.72 6.55 6.63 6.61 - 6.63
Financial Leverage		 6.22 6.14 5.99 6.42 6.49 6.47 6.32 6.59 6.60 - 6.59
Leverage Ratio		 7.59 7.55 7.36 7.82 7.87 7.87 7.69 7.98 7.98 - 7.97
Compound Leverage Factor		 7.59 7.55 7.36 7.82 7.87 7.87 7.69 7.98 7.98 - 7.97
Debt to Total Capital		 86.46% 86.15% 85.86% 86.77% 86.82% 87.04% 86.76% 86.89% 86.86% - 86.90%
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		 86.46% 86.15% 85.86% 86.77% 86.82% 87.04% 86.76% 86.89% 86.86% - 86.90%
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		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 13.54% 13.85% 14.14% 13.23% 13.18% 12.96% 13.24% 13.11% 13.14% - 13.10%
Debt to EBITDA		 17.79 18.06 18.23 20.05 21.20 22.71 21.09 19.29 18.62 - 17.06
Net Debt to EBITDA		 16.20 16.65 16.89 18.79 19.93 21.50 19.76 17.97 17.44 - 15.87
Long-Term Debt to EBITDA		 17.79 18.06 18.23 20.05 21.20 22.71 21.09 19.29 18.62 - 17.06
Debt to NOPAT		 30.45 30.91 31.64 35.34 38.57 42.12 37.91 33.26 31.69 - 28.14
Net Debt to NOPAT		 27.73 28.49 29.32 33.12 36.25 39.87 35.50 30.98 29.69 - 26.17
Long-Term Debt to NOPAT		 30.45 30.91 31.64 35.34 38.57 42.12 37.91 33.26 31.69 - 28.14
Noncontrolling Interest Sharing Ratio		 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)		 -1,552 -1,538 -1,292 -1,500 -1,228 -1,504 -1,827 -1,388 -1,172 - -773
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		 -5.81 -5.72 -4.66 -5.05 -4.08 -4.85 -5.86 -4.38 -3.66 - -2.40
Operating Cash Flow to Interest Expense		 2.23 2.52 2.01 2.40 2.25 2.43 2.13 2.44 2.59 - 2.30
Operating Cash Flow Less CapEx to Interest Expense		 2.23 2.52 2.01 2.40 2.25 2.43 2.13 2.44 2.59 - 2.30
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.18 0.18 0.19 0.18 0.18 0.18 0.18 0.18 0.18 - 0.19
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		 22,960 22,999 22,734 23,824 24,345 24,629 24,774 25,379 25,716 - 25,773
Invested Capital Turnover		 0.19 0.19 0.20 0.19 0.19 0.19 0.19 0.19 0.19 - 0.20
Increase / (Decrease) in Invested Capital		 1,746 1,703 1,447 1,571 1,385 1,630 2,040 1,555 1,371 - 999
Enterprise Value (EV)		 22,862 24,154 24,455 25,535 25,983 27,047 26,462 27,902 28,217 - 27,644
Market Capitalization		 4,781 5,889 6,365 6,161 6,116 6,751 6,331 7,360 7,285 - 6,810
Book Value per Share		 $23.81 $24.50 $26.82 $24.26 $24.69 $24.64 $25.32 $25.76 $26.18 - $26.53
Tangible Book Value per Share		 $10.81 $11.45 $12.67 $10.69 $11.13 $11.05 $11.74 $12.14 $12.56 - $12.74
Total Capital		 22,960 22,999 22,734 23,824 24,345 24,629 24,774 25,379 25,716 - 25,773
Total Debt		 19,851 19,813 19,520 20,671 21,137 21,438 21,494 22,053 22,338 - 22,396
Total Long-Term Debt		 19,851 19,813 19,520 20,671 21,137 21,438 21,494 22,053 22,338 - 22,396
Net Debt		 18,081 18,265 18,090 19,374 19,867 20,296 20,131 20,542 20,932 - 20,834
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)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 19,851 19,813 19,520 20,671 21,137 21,438 21,494 22,053 22,338 - 22,396
Total Depreciation and Amortization (D&A)		 66 66 66 70 71 70 70 72 72 - 74
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.61 $1.39 $1.29 $0.59 $1.32 $1.06 $1.79 $1.40 $1.67 $1.73 $1.93
Adjusted Weighted Average Basic Shares Outstanding		 120.41M 120.38M 119.83M 119.79M 119.67M 119.66M 119.40M 118.95M 118.76M 118.66M 116.72M
Adjusted Diluted Earnings per Share		 $1.61 $1.38 $1.29 $0.59 $1.31 $1.05 $1.78 $1.40 $1.67 $1.71 $1.93
Adjusted Weighted Average Diluted Shares Outstanding		 120.75M 120.63M 120.24M 120.19M 120.12M 120.12M 119.97M 119.39M 119.42M 119.27M 117.27M
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		 130.06M 129.93M 129.97M 129.93M 129.51M 129.53M 129.13M 129.03M 127.89M 127.31M 125.69M
Normalized Net Operating Profit after Tax (NOPAT)		 194 165 155 71 157 126 213 167 199 - 226
Normalized NOPAT Margin		 17.88% 14.93% 14.41% 6.48% 13.50% 10.79% 17.99% 13.94% 16.11% - 17.91%
Pre Tax Income Margin		 22.67% 20.00% 18.96% 8.39% 17.80% 14.04% 23.23% 17.86% 21.30% - 23.45%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.92 0.82 0.74 0.31 0.69 0.53 0.88 0.68 0.82 - 0.92
NOPAT to Interest Expense		 0.73 0.61 0.56 0.24 0.52 0.41 0.68 0.53 0.62 - 0.70
EBIT Less CapEx to Interest Expense		 0.92 0.82 0.74 0.31 0.69 0.53 0.88 0.68 0.82 - 0.92
NOPAT Less CapEx to Interest Expense		 0.73 0.61 0.56 0.24 0.52 0.41 0.68 0.53 0.62 - 0.70
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 73.93% 75.98% 78.77% 83.59% 90.15% 97.84% 88.54% 75.72% 71.06% - 62.94%
Augmented Payout Ratio		 89.42% 86.12% 85.74% 91.11% 99.64% 104.72% 96.65% 84.62% 81.42% - 92.09%

Financials Breakdown Chart

Key Financial Trends

Here is a concise, bullet-point style overview of OneMain (NYSE: OMF) using the last four years of quarterly data provided. The focus is on trends in revenue, profitability, cash flow, and balance-sheet structure to help retail investors gauge the company’s trajectory.

  • Total Revenue in Q4 2025 rose to 1,286,000,000, up from 1,168,000,000 in Q4 2024, and generally higher across the 2025 quarters, signaling a stronger top-line trend.
  • Net Income attributable to common shareholders in Q4 2025 was 204,000,000, up from 126,000,000 in Q4 2024, indicating improved profitability on a quarterly basis.
  • Net Cash From Continuing Operating Activities in Q4 2025 was 865,000,000, with prior quarters in 2025 also showing solid cash generation (Q3 2025: 828,000,000; Q2 2025: 774,000,000; Q1 2025: 665,000,000).
  • Net Interest Income (net of interest expense) for Q4 2025 was 1,093,000,000, underscoring robust core lending profitability.
  • Total Non-Interest Income in Q4 2025 reached 193,000,000, showing resilience and some improvement versus the prior quarter (Q3 2025: 163,000,000).
  • Earnings per share remained solid in Q4 2025, with Basic EPS of 1.73 and Diluted EPS of 1.71, reflecting ongoing earnings power per share.
  • Financing activity supported liquidity in Q4 2025, with Issuance of Debt around 1,674,000,000 and a positive net cash from financing activities of 149,000,000.
  • The balance sheet maintained a large but stable scale, with Total Assets around the mid-to-high 20s of billions (notably about 26–27B region across 2025 quarters) and a consistent liability stack supportive of ongoing lending activity.
  • Dividend per share to common stock remained steady at 1.04 in Q4 2025 (and across the 2025 quarters), indicating ongoing shareholder returns without abrupt changes.
  • Overall 2025 quarterly results show a trend of improving top-line and cash-flow generation, though the company continues to carry a sizable credit-loss provisioning and leverage-driven balance sheet structure.
  • Provision for Credit Losses in Q4 2025 was 542,000,000, a high figure that signals elevated credit risk and ongoing loan-book provisioning needs.
  • Balance-sheet leverage remains high, with Total Liabilities around 23–24B and Total Equity around 3–3.4B across recent quarters, indicating a reliance on debt financing relative to equity.
  • Cash flow can show quarterly volatility (for example, net change in cash fluctuating across Q1–Q4 2025), suggesting some cash-flow timing risk despite strong operating cash flow in Q4.
05/07/26 08:46 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About OneMain's Financials

When does OneMain's fiscal year end?

According to the most recent income statement we have on file, OneMain's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has OneMain's net income changed over the last 10 years?

OneMain's net income appears to be on an upward trend, with a most recent value of $783 million in 2025, falling from -$93 million in 2015. The previous period was $509 million in 2024. See OneMain's forecast for analyst expectations on what’s next for the company.

How has OneMain's revenue changed over the last 10 years?

Over the last 10 years, OneMain's total revenue changed from $1.48 billion in 2015 to $4.90 billion in 2025, a change of 232.0%.

How much debt does OneMain have?

OneMain's total liabilities were at $23.99 billion at the end of 2025, a 5.6% increase from 2024, and a 29.9% increase since 2015.

How much cash does OneMain have?

In the past 10 years, OneMain's cash and equivalents has ranged from $458 million in 2024 to $2.27 billion in 2020, and is currently $914 million as of their latest financial filing in 2025.


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Financial statements for NYSE:OMF last updated on 5/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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