NYSE : OMF
OneMain Holdings, Inc. — Financial statements
Financials · Credit Services · United States
Last price 56.55 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 6.47B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 5.80B | 5.55B | 5.10B | 4.68B | 4.50B | 4.43B |
| Total Interest Expense | 1.32B | 1.27B | 1.19B | 1.02B | 892.00M | 937.00M |
| Net Interest Income | 4.49B | 4.28B | 3.92B | 3.66B | 3.60B | 3.49B |
| Gain (Loss) on Sale of Loans & Receivables | 63.00M | 64.00M | 23.00M | 52.00M | 63.00M | 47.00M |
| Other Revenue | 660.00M | 625.00M | 598.00M | 567.00M | 532.00M | 497.00M |
| Revenue Before Loan Losses | 5.21B | 4.97B | 4.54B | 4.28B | 4.20B | 4.04B |
| Provision for Loan Losses | 2.23B | 2.00B | 2.04B | 1.72B | 1.40B | 593.00M |
| Revenue | 2.98B | 2.97B | 2.50B | 2.56B | 2.80B | 3.44B |
| Salaries & Employee Benefits | 967.00M | 923.00M | 879.00M | 855.00M | 836.00M | 839.00M |
| Cost of Services Provided | 273.00M | 275.00M | 274.00M | 267.00M | 230.00M | 251.00M |
| Other Operating Expenses | 758.00M | 707.00M | 643.00M | 597.00M | 549.00M | 534.00M |
| Total Operating Expenses | 2.00B | 1.91B | 1.80B | 1.72B | 1.61B | 1.62B |
| Operating Income | 981.00M | 1.07B | 701.00M | 840.00M | 1.18B | 1.82B |
| EBT Excluding Unusual Items | 981.00M | 1.07B | 701.00M | 840.00M | 1.18B | 1.82B |
| Other Unusual Items | -7.00M | -67.00M | -34.00M | -27.00M | -78.00M | |
| Pretax Income | 974.00M | 1.00B | 667.00M | 840.00M | 1.16B | 1.74B |
| Income Tax Expense | 207.00M | 218.00M | 158.00M | 199.00M | 283.00M | 427.00M |
| Earnings From Continuing Ops. | 767.00M | 783.00M | 509.00M | 641.00M | 872.00M | 1.31B |
| Net Income | 767.00M | 783.00M | 509.00M | 641.00M | 872.00M | 1.31B |
| Net Income to Common | 767.00M | 783.00M | 509.00M | 641.00M | 872.00M | 1.31B |
| Shares Outstanding (Basic) | 116.12M | 118.66M | 119.66M | 120.38M | 124.18M | 132.65M |
| Shares Outstanding (Diluted) | 116.70M | 119.27M | 120.12M | 120.63M | 124.42M | 133.05M |
| EPS (Basic) | 6.61 | 6.60 | 4.25 | 5.32 | 7.02 | 9.91 |
| EPS (Diluted) | 6.57 | 6.56 | 4.24 | 5.32 | 7.01 | 9.88 |
| Dividend Per Share | 4.20 | 4.17 | 4.12 | 4.00 | 3.80 | 2.55 |
| Operating Margin | 32.93% | 35.92% | 28.07% | 32.82% | 42.26% | 52.83% |
| Profit Margin | 25.75% | 26.34% | 20.38% | 25.05% | 31.18% | 38.16% |
| Effective Tax Rate | 21.25% | 21.78% | 23.69% | 23.69% | 24.50% | 24.53% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 936.00M | 914.00M | 458.00M | 1.01B | 498.00M | 541.00M |
| Long-Term Investments | 1.55B | 1.59B | 1.61B | 1.72B | 1.80B | 1.99B |
| Loans & Lease Receivables | 22.38B | 21.18B | 20.08B | 18.10B | 16.93B | 16.36B |
| Other Receivables | 14.00M | 14.00M | 13.00M | 14.00M | 14.00M | 13.00M |
| Property, Plant & Equipment | 120.00M | 152.00M | 165.00M | 152.00M | 140.00M | |
| Goodwill | 1.47B | 1.47B | 1.47B | 1.44B | 1.44B | 1.44B |
| Other Intangible Assets | 278.00M | 282.00M | 286.00M | 260.00M | 261.00M | 274.00M |
| Restricted Cash | 751.00M | 699.00M | 684.00M | 534.00M | 461.00M | 476.00M |
| Long-Term Deferred Tax Assets | 500.00M | |||||
| Long-Term Deferred Charges | 36.00M | 33.00M | ||||
| Other Long-Term Assets | 799.00M | 1.08B | 1.15B | 1.05B | 988.00M | 850.00M |
| Total Assets | 28.72B | 27.39B | 25.91B | 24.29B | 22.54B | 22.08B |
| Current Portion of Leases | 54.00M | |||||
| Long-Term Debt | 24.07B | 22.69B | 21.44B | 19.81B | 18.28B | 17.75B |
| Long-Term Leases | 75.00M | 162.00M | 173.00M | 161.00M | 151.00M | |
| Long-Term Deferred Tax Liabilities | 18.00M | 35.00M | 20.00M | 9.00M | 5.00M | 1.00M |
| Pension & Post-Retirement Benefits | 8.00M | 9.00M | 11.00M | 11.00M | ||
| Other Long-Term Liabilities | 1.23B | 1.12B | 1.09B | 1.10B | 1.06B | 1.08B |
| Total Liabilities | 25.33B | 23.99B | 22.72B | 21.11B | 19.52B | 18.99B |
| Common Stock | 1.00M | 1.00M | 1.00M | 1.00M | 1.00M | 1.00M |
| Additional Paid-In Capital | 1.77B | 1.76B | 1.73B | 1.72B | 1.69B | 1.67B |
| Retained Earnings | 2.77B | 2.58B | 2.30B | 2.29B | 2.12B | 1.73B |
| Comprehensive Income & Other | -86.00M | -41.00M | -81.00M | -87.00M | -127.00M | 61.00M |
| Total Common Equity | 3.39B | 3.40B | 3.19B | 3.19B | 3.02B | 3.09B |
| Shareholders' Equity | 3.39B | 3.40B | 3.19B | 3.19B | 3.02B | 3.09B |
| Total Liabilities & Equity | 28.72B | 27.39B | 25.91B | 24.29B | 22.54B | 22.08B |
| Total Debt | 24.07B | 22.82B | 21.60B | 19.99B | 18.44B | 17.90B |
| Net Cash (Debt) | -23.14B | -21.91B | -21.14B | -18.97B | -17.94B | -17.36B |
| Net Cash Per Share | -198.27 | -183.69 | -176.01 | -157.27 | -144.22 | -130.47 |
| Filing Date Shares Outstanding | 114.46M | 117.15M | 119.37M | 119.77M | 120.81M | 127.46M |
| Total Common Shares Outstanding | 114.58M | 117.20M | 119.36M | 119.76M | 121.04M | 127.81M |
| Working Capital | 24.08B | 22.75B | 21.24B | 19.66B | 17.90B | 17.39B |
| Book Value Per Share | 29.60 | 29.02 | 26.73 | 26.60 | 24.91 | 24.20 |
| Tangible Book Value | 1.64B | 1.65B | 1.43B | 1.49B | 1.32B | 1.38B |
| Tangible Book Value Per Share | 14.30 | 14.04 | 11.99 | 12.43 | 10.88 | 10.81 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 767.00M | 783.00M | 509.00M | 641.00M | 872.00M | 1.31B |
| Depreciation & Amortization | 301.00M | 287.00M | 277.00M | 257.00M | 262.00M | 264.00M |
| Gain on Sale of Loans & Receivables | -63.00M | -64.00M | -23.00M | -52.00M | -63.00M | -47.00M |
| Provision for Credit Losses | 2.23B | 2.00B | 2.04B | 1.72B | 1.40B | 593.00M |
| Stock-Based Compensation | 38.00M | 36.00M | 30.00M | 36.00M | 31.00M | 23.00M |
| Change in Other Net Operating Assets | -74.00M | -13.00M | -125.00M | -44.00M | -82.00M | -44.00M |
| Other Operating Activities | 11.00M | 106.00M | -9.00M | -40.00M | -35.00M | 148.00M |
| Operating Cash Flow | 3.21B | 3.13B | 2.70B | 2.52B | 2.39B | 2.25B |
| Cash Acquisitions | -64.00M | |||||
| Investment in Securities | 59.00M | 85.00M | 108.00M | 145.00M | -59.00M | -120.00M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -3.82B | -3.15B | -3.23B | -2.92B | -1.99B | -1.95B |
| Other Investing Activities | -100.00M | -97.00M | -78.00M | -91.00M | -75.00M | -69.00M |
| Investing Cash Flow | -3.86B | -3.16B | -3.27B | -2.86B | -2.12B | -2.14B |
| Long-Term Debt Issued | 7.97B | 4.39B | 4.82B | 5.62B | 3.76B | |
| Long-Term Debt Repaid | -6.82B | -3.69B | -3.33B | -5.15B | -3.92B | |
| Net Debt Issued (Repaid) | 1.69B | 1.15B | 701.00M | 1.49B | 469.00M | -162.00M |
| Issuance of Common Stock | 5.00M | 5.00M | 4.00M | 3.00M | 2.00M | |
| Repurchase of Common Stock | -264.00M | -154.00M | -46.00M | -75.00M | -317.00M | -6.00M |
| Common Dividends Paid | -304.00M | -309.00M | -313.00M | -357.00M | -480.00M | -1.68B |
| Financing Cash Flow | 932.00M | 500.00M | 161.00M | 932.00M | -326.00M | -1.84B |
| Net Cash Flow | 281.00M | 471.00M | -406.00M | 589.00M | -58.00M | -1.74B |
| Cash Interest Paid | 1.24B | 1.24B | 1.14B | 968.00M | 857.00M | 891.00M |
| Cash Income Tax Paid | 127.00M | 127.00M | 219.00M | 215.00M | 343.00M | 403.00M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 6.56B | 7.95B | 6.22B | 5.90B | 4.07B | 6.48B |
| PE Ratio | 8.72 | 10.16 | 12.22 | 9.20 | 4.67 | 4.93 |
| PS Ratio | 2.20 | 2.67 | 2.49 | 2.31 | 1.46 | 1.88 |
| PB Ratio | 1.94 | 2.34 | 1.95 | 1.85 | 1.35 | 2.10 |
| P/OCF Ratio | 2.04 | 2.54 | 2.31 | 2.34 | 1.71 | 2.88 |
| Debt / Equity Ratio | 7.10 | 6.71 | 6.77 | 6.27 | 6.12 | 5.79 |
| Net Debt / Equity Ratio | 6.82 | 6.44 | 6.63 | 5.96 | 5.95 | 5.61 |
| Quick Ratio | 409.35 | |||||
| Current Ratio | 422.30 | |||||
| Asset Turnover | 0.11 | 0.11 | 0.10 | 0.11 | 0.12 | 0.15 |
| Return on Equity (ROE) | 22.66% | 23.76% | 15.96% | 20.67% | 28.55% | 40.22% |
| Return on Assets (ROA) | 2.75% | 2.94% | 2.03% | 2.74% | 3.91% | 5.90% |
| Return on Invested Capital (ROIC) | 2.88% | 3.28% | 2.23% | 2.87% | 4.20% | 6.48% |
| Earnings Yield | 11.46% | 9.85% | 8.18% | 10.87% | 21.42% | 20.28% |
| Dividend Yield | 7.33% | 6.14% | 7.90% | 8.12% | 11.30% | 5.03% |
| Payout Ratio | 63.90% | 39.46% | 61.49% | 55.69% | 55.05% | 127.63% |
| Buyback Yield / Dilution | 2.49% | 0.71% | 0.42% | 3.04% | 6.49% | 1.38% |
| Total Shareholder Return | 9.81% | 6.85% | 8.33% | 11.16% | 17.79% | 6.41% |