The earnings call highlighted strong financial performance with significant revenue and capital generation growth, improvements in credit performance, and successful strategic initiatives. However, there were challenges such as increased interest expenses and high credit card losses, along with an expectation of moderated growth in the latter half of the year.

Company Guidance -

Q3 2025

In the second quarter of 2025, OneMain Financial reported strong financial performance, highlighted by several key metrics. Capital generation reached $222 million, reflecting a 63% increase year-over-year. The company achieved C&I adjusted earnings of $1.45 per share, marking a 42% increase. Total revenue grew by 10%, while receivables rose by 7% year-over-year, surpassing $25 billion for the first time in the company's history. Loan originations increased by 9%, driven by innovations in data analytics and customer experience. The 30-plus delinquency rate improved to 5.07%, down 29 basis points from the previous year. Additionally, C&I net charge-offs decreased to 7.6%, down 88 basis points year-over-year. The company also raised $1.8 billion in the capital markets, enhancing its financial flexibility. As a result of these robust performances, OneMain updated its 2025 net charge-offs guidance to be at the lower half of the initial range.

Strong Capital Generation

Capital generation was $222 million, up 63% year-over-year.

Record Revenue Growth

Total revenue grew 10% year-over-year, crossing the $25 billion mark for the first time in the company's history.

Improvement in Credit Performance

C&I net charge-offs were 7.6%, down 88 basis points compared to the second quarter of last year, and consumer loan net charge-offs were 7.2%, down 110 basis points year-over-year.

Successful Strategic Initiatives

Loan originations grew 9% driven by granular data and analytics, with initiatives like loan consolidation and credit card cross-sell showing promising results.

Growth in Credit Card and Auto Finance Business

The credit card business saw receivables up 61% from a year ago, and the auto finance business grew its roster of active dealers by 14% with quarterly originations up by 29%.

OneMain Holdings (OMF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

OMF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	1.62 / -	1.26	―	―	―
Jul 25, 2025	2025 (Q2)	1.23 / 1.45	1.02	42.16% (+0.43)
Apr 29, 2025	2025 (Q1)	1.57 / 1.72	1.45	18.62% (+0.27)
Jan 31, 2025	2024 (Q4)	1.15 / 1.16	1.39	-16.55% (-0.23)
Oct 30, 2024	2024 (Q3)	1.14 / 1.26	1.57	-19.75% (-0.31)
Jul 31, 2024	2024 (Q2)	0.93 / 1.02	1.01	0.99% (+0.01)
Apr 30, 2024	2024 (Q1)	1.39 / 1.45	1.46	-0.68% (-0.01)
Feb 07, 2024	2023 (Q4)	1.37 / 1.39	1.56	-10.90% (-0.17)
Oct 25, 2023	2023 (Q3)	1.49 / 1.57	1.51	3.97% (+0.06)
Jul 26, 2023	2023 (Q2)	1.29 / 1.01	1.87	-45.99% (-0.86)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

OMF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$57.55	$58.30	+1.30%
Apr 29, 2025	$47.24	$46.74	-1.06%
Jan 31, 2025	$54.15	$52.40	-3.23%
Oct 30, 2024	$43.96	$48.08	+9.37%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does OneMain Holdings (OMF) report earnings?

OneMain Holdings (OMF) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is OneMain Holdings (OMF) earnings time?

OneMain Holdings (OMF) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is OMF EPS forecast?

OMF EPS forecast for the fiscal quarter 2025 (Q3) is 1.62.

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