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OneMain (OMF) Financials

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$64.91 +0.33 (+0.51%)
As of 01:35 PM Eastern
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 165 155 71 157 126 213 167 199 204 226 152
Consolidated Net Income / (Loss)		 165 155 71 157 126 213 167 199 204 226 152
Net Income / (Loss) Continuing Operations		 165 155 71 157 126 213 167 199 204 226 152
Total Pre-Tax Income 		221 204 92 207 164 275 214 263 249 296 196
Total Revenue		 1,105 1,076 1,096 1,163 1,168 1,184 1,198 1,235 1,286 1,262 1,298
Net Interest Income / (Expense)		 917 896 922 981 1,009 996 1,022 1,072 1,093 1,065 1,091
Total Interest Income		 1,186 1,173 1,219 1,282 1,319 1,308 1,339 1,392 1,416 1,387 1,417
Total Interest Expense		 269 277 297 301 310 312 317 320 323 322 326
Long-Term Debt Interest Expense		 269 277 297 301 310 312 317 320 323 322 326
Total Non-Interest Income		 188 180 174 182 159 188 176 163 193 197 207
Service Charges on Deposit Accounts		 112 112 111 111 111 110 111 112 112 112 112
Other Service Charges		 33 32 39 42 42 41 45 47 47 49 55
Net Realized & Unrealized Capital Gains on Investments		 11 4.00 -6.00 5.00 -16 11 -4.00 -22 12 13 15
Investment Banking Income		 32 32 30 24 22 26 24 26 22 23 25
Provision for Credit Losses		 447 431 575 512 522 456 511 488 542 465 610
Total Non-Interest Expense		 437 441 429 444 482 453 473 484 495 501 492
Salaries and Employee Benefits		 207 224 206 220 229 218 230 234 241 240 243
Property & Liability Insurance Claims		 50 50 47 43 49 49 54 48 47 52 44
Other Operating Expenses		 180 167 176 181 204 186 189 202 207 209 205
Income Tax Expense		 56 49 21 50 38 62 47 64 45 70 44
Basic Earnings per Share		 $1.39 $1.29 $0.59 $1.32 $1.06 $1.79 $1.40 $1.67 $1.73 $1.93 $1.32
Weighted Average Basic Shares Outstanding		 120.38M 119.83M 119.79M 119.67M 119.66M 119.40M 118.95M 118.76M 118.66M 116.72M 115.34M
Diluted Earnings per Share		 $1.38 $1.29 $0.59 $1.31 $1.05 $1.78 $1.40 $1.67 $1.71 $1.93 $1.32
Weighted Average Diluted Shares Outstanding		 120.63M 120.24M 120.19M 120.12M 120.12M 119.97M 119.39M 119.42M 119.27M 117.27M 115.76M
Weighted Average Basic & Diluted Shares Outstanding		 129.93M 129.97M 129.93M 129.51M 129.53M 129.13M 129.03M 127.89M 127.31M 125.69M 125.20M

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -222 -118 -133 -27 -128 221 148 -105 207 -51 -257
Net Cash From Operating Activities		 678 558 712 677 752 665 774 828 865 739 800
Net Cash From Continuing Operating Activities		 678 558 712 677 752 665 774 828 865 739 800
Net Income / (Loss) Continuing Operations		 165 155 70 158 126 213 167 199 204 226 152
Consolidated Net Income / (Loss)		 165 155 70 158 126 213 167 199 204 226 152
Provision For Loan Losses		 446 431 575 512 522 456 511 487 543 465 609
Depreciation Expense		 66 66 70 71 70 70 72 72 73 74 76
Non-Cash Adjustments to Reconcile Net Income		 1.00 19 -9.00 -25 30 29 28 59 42 40 -15
Changes in Operating Assets and Liabilities, net		 - -113 6.00 -39 4.00 -103 -4.00 11 3.00 -66 -22
Net Cash From Investing Activities		 -710 -233 -998 -1,007 -1,028 -331 -1,013 -1,010 -807 -227 -1,262
Net Cash From Continuing Investing Activities		 -710 -233 -998 -1,007 -1,028 -331 -1,013 -1,010 -807 -227 -1,262
Purchase of Investment Securities		 -908 -413 -1,292 -1,305 -1,202 -684 -1,411 -1,372 -1,226 -667 -1,712
Sale and/or Maturity of Investments		 198 180 294 298 174 353 398 362 419 440 450
Net Cash From Financing Activities		 -190 -443 153 303 148 -113 387 77 149 -563 205
Net Cash From Continuing Financing Activities		 -190 -443 153 303 148 -113 387 77 149 -563 205
Issuance of Debt		 1,076 -6.00 1,877 1,309 1,202 1,485 2,584 2,229 1,674 1,101 1,764
Issuance of Common Equity		 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 2.00 1.00 1.00
Repayment of Debt		 -1,126 -303 -1,592 -860 -926 -1,447 -2,052 -1,993 -1,332 -1,412 -1,405
Repurchase of Common Equity		 -20 -5.00 -8.00 -19 -3.00 -16 -21 -33 -71 -107 -32
Payment of Dividends		 -121 -122 -125 -126 -125 -126 -125 -125 -123 -128 -122
Other Financing Activities, Net		 - -8.00 - -2.00 -1.00 -10 - -2.00 -1.00 -18 -1.00

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 22,443 23,511 24,146 23,908 25,085 25,578 26,029 26,628 26,985 27,018 27,424
Cash and Due from Banks		 544 1,021 1,190 831 667 577 627 769 658 834 567
Restricted Cash		 531 532 580 599 630 693 736 742 748 728 738
Trading Account Securities		 1,786 1,710 1,635 1,691 1,681 1,581 1,670 1,683 1,657 1,614 1,649
Loans and Leases, Net of Allowance		 0.00 -2,392 -2,449 -2,454 -2,564 -2,645 -2,688 -2,754 -2,815 -2,819 -2,923
Allowance for Loan and Lease Losses		 - 2,392 2,449 2,454 2,564 2,645 2,688 2,754 2,815 2,819 2,923
Unearned Premiums Asset		 -740 -761 -772 -749 -753 -765 -747 -764 -783 -771 -792
Goodwill		 1,437 1,437 1,437 1,437 1,474 1,474 1,474 1,474 1,474 1,474 1,474
Intangible Assets		 261 260 260 259 289 288 285 285 284 281 279
Other Assets		 18,624 21,704 22,265 22,294 23,661 24,375 24,672 25,193 25,762 25,677 26,432
Total Liabilities & Shareholders' Equity		 22,443 23,511 24,146 23,908 25,085 25,578 26,029 26,628 26,985 27,018 27,424
Total Liabilities		 19,362 20,453 21,037 20,694 21,932 22,370 22,749 23,302 23,607 23,641 24,041
Long-Term Debt		 18,206 19,195 19,851 19,520 20,671 21,137 21,494 22,053 22,338 22,396 22,769
Future Policy Benefits		 615 616 599 597 594 597 567 579 578 566 552
Other Long-Term Liabilities		 541 642 587 577 667 636 688 670 691 679 720
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		 3,081 3,058 3,109 3,214 3,153 3,208 3,280 3,326 3,378 3,377 3,383
Total Preferred & Common Equity		 3,081 3,058 3,109 3,214 3,153 3,208 3,280 3,326 3,378 3,377 3,383
Total Common Equity		 3,081 3,058 3,109 3,214 3,153 3,208 3,280 3,326 3,378 3,377 3,383
Common Stock		 1,694 1,703 1,707 1,719 1,724 1,729 1,735 1,746 1,751 1,751 1,759
Retained Earnings		 2,188 2,168 2,240 2,318 2,263 2,295 2,384 2,425 2,500 2,680 2,710
Treasury Stock		 -693 -699 -709 -732 -739 -757 -774 -794 -826 -1,001 -1,032
Accumulated Other Comprehensive Income / (Loss)		 -108 -114 -129 -91 -95 -59 -65 -51 -47 -53 -54

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 127,312,085.00 125,690,973.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 127,312,085.00 125,690,973.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.78 1.21
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.25% 4.26% 3.59% 7.19% 5.70% 10.04% 9.31% 6.19% - 6.59% 8.35%
EBITDA Growth		 -6.21% -8.78% -19.80% -10.90% -18.47% 27.78% 76.54% 20.50% - 7.25% -4.90%
EBIT Growth		 -4.74% -13.19% -33.33% -15.85% -25.79% 34.80% 132.61% 27.05% - 7.64% -8.41%
NOPAT Growth		 -6.25% -13.41% -31.07% -19.07% -23.64% 37.42% 135.21% 26.75% - 6.10% -8.98%
Net Income Growth		 -6.25% -13.41% -31.07% -19.07% -23.64% 37.42% 135.21% 26.75% - 6.10% -8.98%
EPS Growth		 -6.12% -12.84% -30.59% -18.63% -23.91% 37.98% 137.29% 27.48% - 8.43% -5.71%
Operating Cash Flow Growth		 2.11% -0.71% 4.25% 13.59% 10.91% 19.18% 8.71% 22.30% - 11.13% 3.36%
Free Cash Flow Firm Growth		 -455.23% -282.49% -3,161.22% 20.88% 2.21% -41.41% 7.47% 4.56% - 57.69% 55.26%
Invested Capital Growth		 8.00% 6.80% 7.06% 6.03% 7.09% 8.97% 6.53% 5.63% - 4.03% 3.05%
Revenue Q/Q Growth		 1.84% -2.62% 1.86% 6.11% 0.43% 1.37% 1.18% 3.09% - -1.87% 2.85%
EBITDA Q/Q Growth		 -8.01% -5.92% -40.00% 71.60% -15.83% 47.44% -17.10% 17.13% - 14.91% -26.49%
EBIT Q/Q Growth		 -10.16% -7.69% -54.90% 125.00% -20.77% 67.68% -22.18% 22.90% - 18.88% -33.78%
NOPAT Q/Q Growth		 -14.95% -6.06% -54.19% 121.13% -19.75% 69.05% -21.60% 19.16% - 10.78% -32.74%
Net Income Q/Q Growth		 -14.95% -6.06% -54.19% 121.13% -19.75% 69.05% -21.60% 19.16% - 10.78% -32.74%
EPS Q/Q Growth		 -14.29% -6.52% -54.26% 122.03% -19.85% 69.52% -21.35% 19.29% - 12.87% -31.61%
Operating Cash Flow Q/Q Growth		 13.76% -17.70% 27.60% -4.92% 11.08% -11.57% 16.39% 6.98% - -14.57% 8.25%
Free Cash Flow Firm Q/Q Growth		 0.90% 15.99% -16.10% 18.13% -22.48% -21.48% 24.03% 15.56% - 38.75% 19.66%
Invested Capital Q/Q Growth		 0.17% -1.15% 4.79% 2.19% 1.17% 0.59% 2.44% 1.33% - -1.23% 1.47%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 25.97% 25.09% 14.78% 23.90% 20.03% 29.14% 23.87% 27.13% - 29.32% 20.96%
EBIT Margin		 20.00% 18.96% 8.39% 17.80% 14.04% 23.23% 17.86% 21.30% - 23.45% 15.10%
Profit (Net Income) Margin		 14.93% 14.41% 6.48% 13.50% 10.79% 17.99% 13.94% 16.11% - 17.91% 11.71%
Tax Burden Percent		 74.66% 75.98% 77.17% 75.85% 76.83% 77.45% 78.04% 75.67% - 76.35% 77.55%
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		 25.34% 24.02% 22.83% 24.15% 23.17% 22.55% 21.96% 24.33% - 23.65% 22.45%
Return on Invested Capital (ROIC)		 2.89% 2.83% 1.23% 2.53% 2.04% 3.49% 2.67% 3.08% - 3.53% 2.31%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.89% 2.83% 1.23% 2.53% 2.04% 3.49% 2.67% 3.08% - 3.53% 2.31%
Return on Net Nonoperating Assets (RNNOA)		 17.73% 16.96% 7.87% 16.44% 13.20% 22.06% 17.61% 20.33% - 23.27% 15.43%
Return on Equity (ROE)		 20.61% 19.79% 9.10% 18.98% 15.24% 25.55% 20.28% 23.41% - 26.80% 17.74%
Cash Return on Invested Capital (CROIC)		 -4.80% -3.77% -4.28% -3.54% -4.71% -6.20% -3.63% -2.66% - -0.80% 0.03%
Operating Return on Assets (OROA)		 3.66% 3.54% 1.51% 3.18% 2.52% 4.29% 3.26% 3.88% - 4.40% 2.84%
Return on Assets (ROA)		 2.73% 2.69% 1.16% 2.41% 1.94% 3.32% 2.54% 2.93% - 3.36% 2.20%
Return on Common Equity (ROCE)		 20.61% 19.79% 9.10% 18.98% 15.24% 25.55% 20.28% 23.41% - 26.80% 17.74%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 19.20% 18.55% 17.08% 0.00% 17.29% 19.93% 20.87% - 23.57% 23.09%
Net Operating Profit after Tax (NOPAT)		 165 155 71 157 126 213 167 199 - 226 152
NOPAT Margin		 14.93% 14.41% 6.48% 13.50% 10.79% 17.99% 13.94% 16.11% - 17.91% 11.71%
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		 18.73% 20.82% 18.80% 18.92% 19.61% 18.41% 19.20% 18.95% - 19.02% 18.72%
Operating Expenses to Revenue		 39.55% 40.99% 39.14% 38.18% 41.27% 38.26% 39.48% 39.19% - 39.70% 37.90%
Earnings before Interest and Taxes (EBIT)		 221 204 92 207 164 275 214 263 - 296 196
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 287 270 162 278 234 345 286 335 - 370 272
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.85 1.98 1.95 1.91 2.12 1.93 2.21 2.16 - 2.02 2.08
Price to Tangible Book Value (P/TBV)		 3.96 4.19 4.43 4.23 4.72 4.16 4.70 4.50 - 4.20 4.32
Price to Revenue (P/Rev)		 1.38 1.47 1.41 1.38 1.50 1.37 1.56 1.52 - 1.37 1.39
Price to Earnings (P/E)		 9.19 10.32 10.53 11.16 13.26 11.17 11.10 10.33 - 8.56 9.02
Dividend Yield		 8.83% 8.17% 8.52% 8.67% 7.90% 8.51% 7.30% 9.21% - 7.81% 6.87%
Earnings Yield		 10.88% 9.69% 9.50% 8.96% 7.54% 8.96% 9.01% 9.68% - 11.69% 11.09%
Enterprise Value to Invested Capital (EV/IC)		 1.05 1.08 1.07 1.07 1.10 1.07 1.10 1.10 - 1.07 1.09
Enterprise Value to Revenue (EV/Rev)		 5.64 5.66 5.85 5.85 6.01 5.74 5.92 5.90 - 5.55 5.61
Enterprise Value to EBITDA (EV/EBITDA)		 22.02 22.83 24.77 26.06 28.65 25.97 24.41 23.51 - 21.05 21.95
Enterprise Value to EBIT (EV/EBIT)		 28.75 30.23 33.47 35.89 40.55 35.86 32.44 30.80 - 27.05 28.39
Enterprise Value to NOPAT (EV/NOPAT)		 37.68 39.64 43.65 47.41 53.14 46.67 42.09 40.02 - 34.73 36.50
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.59 9.72 10.04 9.90 10.02 9.43 9.73 9.35 - 8.62 8.82
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 3,563.49
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 6.22 6.07 6.56 6.59 6.72 6.55 6.63 6.61 - 6.63 6.73
Long-Term Debt to Equity		 6.22 6.07 6.56 6.59 6.72 6.55 6.63 6.61 - 6.63 6.73
Financial Leverage		 6.14 5.99 6.42 6.49 6.47 6.32 6.59 6.60 - 6.59 6.68
Leverage Ratio		 7.55 7.36 7.82 7.87 7.87 7.69 7.98 7.98 - 7.97 8.06
Compound Leverage Factor		 7.55 7.36 7.82 7.87 7.87 7.69 7.98 7.98 - 7.97 8.06
Debt to Total Capital		 86.15% 85.86% 86.77% 86.82% 87.04% 86.76% 86.89% 86.86% - 86.90% 87.06%
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		 86.15% 85.86% 86.77% 86.82% 87.04% 86.76% 86.89% 86.86% - 86.90% 87.06%
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		 13.85% 14.14% 13.23% 13.18% 12.96% 13.24% 13.11% 13.14% - 13.10% 12.94%
Debt to EBITDA		 18.06 18.23 20.05 21.20 22.71 21.09 19.29 18.62 - 17.06 17.53
Net Debt to EBITDA		 16.65 16.89 18.79 19.93 21.50 19.76 17.97 17.44 - 15.87 16.52
Long-Term Debt to EBITDA		 18.06 18.23 20.05 21.20 22.71 21.09 19.29 18.62 - 17.06 17.53
Debt to NOPAT		 30.91 31.64 35.34 38.57 42.12 37.91 33.26 31.69 - 28.14 29.15
Net Debt to NOPAT		 28.49 29.32 33.12 36.25 39.87 35.50 30.98 29.69 - 26.17 27.48
Long-Term Debt to NOPAT		 30.91 31.64 35.34 38.57 42.12 37.91 33.26 31.69 - 28.14 29.15
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)		 -1,538 -1,292 -1,500 -1,228 -1,504 -1,827 -1,388 -1,172 - -773 -621
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		 -5.72 -4.66 -5.05 -4.08 -4.85 -5.86 -4.38 -3.66 - -2.40 -1.90
Operating Cash Flow to Interest Expense		 2.52 2.01 2.40 2.25 2.43 2.13 2.44 2.59 - 2.30 2.45
Operating Cash Flow Less CapEx to Interest Expense		 2.52 2.01 2.40 2.25 2.43 2.13 2.44 2.59 - 2.30 2.45
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.18 0.19 0.18 0.18 0.18 0.18 0.18 0.18 - 0.19 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		 22,999 22,734 23,824 24,345 24,629 24,774 25,379 25,716 - 25,773 26,152
Invested Capital Turnover		 0.19 0.20 0.19 0.19 0.19 0.19 0.19 0.19 - 0.20 0.20
Increase / (Decrease) in Invested Capital		 1,703 1,447 1,571 1,385 1,630 2,040 1,555 1,371 - 999 773
Enterprise Value (EV)		 24,154 24,455 25,535 25,983 27,047 26,462 27,902 28,217 - 27,644 28,508
Market Capitalization		 5,889 6,365 6,161 6,116 6,751 6,331 7,360 7,285 - 6,810 7,044
Book Value per Share		 $24.50 $26.82 $24.26 $24.69 $24.64 $25.32 $25.76 $26.18 - $26.53 $26.92
Tangible Book Value per Share		 $11.45 $12.67 $10.69 $11.13 $11.05 $11.74 $12.14 $12.56 - $12.74 $12.97
Total Capital		 22,999 22,734 23,824 24,345 24,629 24,774 25,379 25,716 - 25,773 26,152
Total Debt		 19,813 19,520 20,671 21,137 21,438 21,494 22,053 22,338 - 22,396 22,769
Total Long-Term Debt		 19,813 19,520 20,671 21,137 21,438 21,494 22,053 22,338 - 22,396 22,769
Net Debt		 18,265 18,090 19,374 19,867 20,296 20,131 20,542 20,932 - 20,834 21,464
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)		 19,813 19,520 20,671 21,137 21,438 21,494 22,053 22,338 - 22,396 22,769
Total Depreciation and Amortization (D&A)		 66 66 70 71 70 70 72 72 - 74 76
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.39 $1.29 $0.59 $1.32 $1.06 $1.79 $1.40 $1.67 $1.73 $1.93 $1.32
Adjusted Weighted Average Basic Shares Outstanding		 120.38M 119.83M 119.79M 119.67M 119.66M 119.40M 118.95M 118.76M 118.66M 116.72M 115.34M
Adjusted Diluted Earnings per Share		 $1.38 $1.29 $0.59 $1.31 $1.05 $1.78 $1.40 $1.67 $1.71 $1.93 $1.32
Adjusted Weighted Average Diluted Shares Outstanding		 120.63M 120.24M 120.19M 120.12M 120.12M 119.97M 119.39M 119.42M 119.27M 117.27M 115.76M
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		 129.93M 129.97M 129.93M 129.51M 129.53M 129.13M 129.03M 127.89M 127.31M 125.69M 125.20M
Normalized Net Operating Profit after Tax (NOPAT)		 165 155 71 157 126 213 167 199 - 226 152
Normalized NOPAT Margin		 14.93% 14.41% 6.48% 13.50% 10.79% 17.99% 13.94% 16.11% - 17.91% 11.71%
Pre Tax Income Margin		 20.00% 18.96% 8.39% 17.80% 14.04% 23.23% 17.86% 21.30% - 23.45% 15.10%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.82 0.74 0.31 0.69 0.53 0.88 0.68 0.82 - 0.92 0.60
NOPAT to Interest Expense		 0.61 0.56 0.24 0.52 0.41 0.68 0.53 0.62 - 0.70 0.47
EBIT Less CapEx to Interest Expense		 0.82 0.74 0.31 0.69 0.53 0.88 0.68 0.82 - 0.92 0.60
NOPAT Less CapEx to Interest Expense		 0.61 0.56 0.24 0.52 0.41 0.68 0.53 0.62 - 0.70 0.47
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 75.98% 78.77% 83.59% 90.15% 97.84% 88.54% 75.72% 71.06% - 62.94% 63.76%
Augmented Payout Ratio		 86.12% 85.74% 91.11% 99.64% 104.72% 96.65% 84.62% 81.42% - 92.09% 94.88%

Financials Breakdown Chart

Key Financial Trends

OneMain Holdings (NYSE: OMF) has expanded steadily over the past several years, but rising credit costs and leverage are weighing on profitability. Total revenue increased from $1.058 billion in Q2 2023 to $1.298 billion in Q2 2026, a gain of approximately 23%. Net interest income rose even faster, from $873 million to $1.091 billion, supported by growth in interest income and the company’s loan and investment portfolio.

Operating cash flow has also improved, increasing from $683 million in Q2 2023 to $800 million in Q2 2026. However, the latest quarter showed weaker earnings momentum. Net income declined to $152 million from $167 million a year earlier and $226 million in Q1 2026. The primary pressure point was the provision for credit losses, which climbed to $610 million in Q2 2026 from $511 million in Q2 2025. The provision consumed nearly half of quarterly revenue and significantly reduced pretax profitability.

OneMain’s balance sheet has grown, with total assets reaching $27.424 billion in Q2 2026 compared with $23.511 billion in Q2 2023. Long-term debt increased to $22.769 billion from $19.195 billion over the same period, while common equity rose more modestly to $3.383 billion from $3.058 billion. The company continues to invest heavily in securities and relies on debt issuance and repayment activity to manage liquidity. Cash and due from banks declined to $567 million in Q2 2026 from $769 million a year earlier, and quarterly cash declined by $257 million.

  • Revenue and net interest income continue to grow: Q2 2026 revenue increased approximately 8.3% year over year, while net interest income rose 6.8%.
  • Operating cash flow remains strong: Cash generated from operating activities reached $800 million in Q2 2026, up from $774 million in Q2 2025 and $683 million in Q2 2023.
  • Long-term earnings capacity has improved from the 2024 trough: Q2 net income rose from $71 million in Q2 2024 to $152 million in Q2 2026, despite the latest year-over-year decline.
  • Shareholder returns remain substantial: OneMain paid $122 million in dividends and repurchased $32 million of common stock in Q2 2026.
  • Equity has gradually increased: Common equity rose from $3.058 billion in Q2 2023 to $3.383 billion in Q2 2026, providing a somewhat larger capital base.
  • Investment activity is significant: OneMain purchased $1.712 billion of investment securities in Q2 2026 and sold or received maturities of $450 million. This may support future income, but it also ties up liquidity and exposes the company to market conditions.
  • Recent financial comparisons include restatements: Several 2024 and 2025 income and cash flow figures were restated, so investors should rely on the latest reported comparisons and review future filings for consistency.
  • Credit-loss provisions remain elevated: The Q2 2026 provision for credit losses increased 19.4% year over year to $610 million, while the balance-sheet allowance rose to $2.923 billion from $2.754 billion in Q2 2025.
  • Profitability weakened in the latest quarter: Net income fell 9.0% year over year, and diluted EPS declined to $1.32 from $1.40 in Q2 2025.
  • Leverage and liquidity require monitoring: Long-term debt has grown faster than common equity since Q2 2023, and cash and due from banks declined to $567 million in Q2 2026. The company also reported a $257 million quarterly decrease in cash.
09/04/26 12:48 PM ETAI Generated. May Contain Errors.

OneMain Financials - Frequently Asked Questions

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.

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 where experts think OneMain is headed by visiting OneMain's forecast page.

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%.

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.

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 7/30/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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