10-Q · October 31, 2025
OneMain reported a stronger quarter with net income of $199 million and diluted EPS of $1.67 for the three months ended September 30, 2025, driven by higher net interest income and improved operating cash flow. The loan…
Earnings analysis · 10-Q
OMF earnings analysis
Filed May 1, 2026 · Our reading of the company's report
The latest report
OneMain Holdings reported strong Q1 2026 results with diluted EPS of $1.93 surpassing estimates of $1.87, and total revenue of $1.6 billion, which, while an increase from $1.5 billion in Q1 2025, came in below the…
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OneMain Holdings reported strong Q1 2026 results with diluted EPS of $1.93 surpassing estimates of $1.87, and total revenue of $1.6 billion, which, while an increase from $1.5 billion in Q1 2025, came in below the consensus estimate of $1.226 billion. The company highlighted growth in average net receivables and managed receivables, maintaining a strong focus on risk management and operational efficiency despite increased provisioning for finance receivable losses.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.93
- Segment
- C&I
What stood out
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EPS Beats Estimates
Diluted EPS of $1.93 exceeded expectations of $1.87, showing a year-over-year increase from $1.78.
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Revenue Increase
Q1 2026 revenue of $1.6 billion represents a 7% increase from $1.5 billion in Q1 2025.
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Strong Managed Receivables
Managed receivables reached $26.1 billion, a 6% increase year-over-year.
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Consumer Loan Growth
Net finance receivables for personal loans increased to $20.9 billion from $20.5 billion a year earlier.
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Improved Operating Results
Adjusted pretax income for the C&I segment rose to $305 million in Q1 2026 from $275 million in Q1 2025.
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Stock Repurchase Program Continues
Repurchased $107 million of common stock in Q1 2026 as part of ongoing share buybacks.
What to watch
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Increase in Provisions
Provision for finance receivable losses increased to $465 million from $456 million year-over-year.
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Debt Levels Remain High
Long-term debt balance rose to $22.4 billion, up from $21.5 billion in the prior year.
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Rising Operating Expenses
Other expenses increased by 11% year-over-year, driven by operational investments and restructuring costs.
Management's outlook
Outlook deferred to earnings press release / call.
Earlier filings 4
10-Q · October 30, 2024
OneMain reported Q3 net income of $157 million and diluted EPS of $1.31 for the three months ended September 30, 2024. Net interest income rose to $981 million but higher credit provisions (provision for finance…
10-Q · May 1, 2024
OneMain reported quarter-over-year revenue drivers centered on margin income: net interest income rose to $896 million (from $855 million a year ago) while other revenues were $180 million (vs $177 million).…
10-K · February 11, 2022
OneMain positions itself as a leading national lender to nonprime consumers with a ~1,400-branch omnichannel footprint and a growing digital origination platform. The company reported $19.2 billion of finance…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.