OneMain Holdings Posts Strong 2025 Results, Raises Shareholder Payouts

OneMain Holdings ( (OMF) ) has shared an announcement.

On February 5, 2026, OneMain Holdings reported a strong finish to 2025, with fourth-quarter pretax income rising to $249 million and net income to $204 million, up from $164 million and $126 million, respectively, a year earlier, driving diluted EPS to $1.72 from $1.05. For full-year 2025, net income increased to $783 million from $509 million in 2024, with EPS climbing to $6.56 from $4.24, supported by 6% growth in managed receivables to $26.3 billion, higher consumer loan originations, and an 8% increase in quarterly total revenue to $1.6 billion, while the company continued to invest in growth and manage rising credit costs and delinquencies. The Consumer and Insurance segment delivered higher adjusted net income and capital generation for both the quarter and the year, reflecting receivable growth, improved credit performance and better yields, and the company maintained substantial liquidity with significant cash, undrawn facilities and unencumbered receivables. In addition to earnings, OneMain declared a quarterly dividend of $1.05 per share on February 5, 2026, payable on February 23, 2026 to shareholders of record as of February 17, 2026, and repurchased approximately 1.2 million shares for $70 million in the fourth quarter, underscoring its focus on returning capital to shareholders while funding portfolio expansion and strategic investments.

The most recent analyst rating on (OMF) stock is a Buy with a $68.00 price target. To see the full list of analyst forecasts on OneMain Holdings stock, see the OMF Stock Forecast page.

Spark’s Take on OMF Stock

According to Spark, TipRanks’ AI Analyst, OMF is a Outperform.

OneMain Holdings demonstrates strong financial performance, robust technical indicators, and attractive valuation metrics. The earnings call highlights significant growth and strategic initiatives, reinforcing confidence in the company’s future prospects. High leverage is a concern, but the company’s strong cash flow and profitability mitigate this risk.

To see Spark’s full report on OMF stock, click here.

More about OneMain Holdings

OneMain Holdings, Inc. (NYSE: OMF) is a consumer finance company specializing in providing responsible access to credit for nonprime consumers, primarily through personal loans and related insurance products. The company focuses on consumer and insurance services, managing a large portfolio of receivables and funding its operations through a mix of secured and unsecured debt facilities, positioning itself as a leading player in the nonprime consumer lending market.

Average Trading Volume: 1,175,637

Technical Sentiment Signal: Strong Buy

Current Market Cap: $7.44B

For detailed information about OMF stock, go to TipRanks’ Stock Analysis page.