OneMain Holdings (OMF)
NYSE:OMF
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Earnings Data
Report Date
Jul 29, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.41Last Year’s EPS
1.45Same Quarter Last Year
Moderate Buy
Based on 12 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed solid execution: earnings and revenue growth, healthy receivable expansion, strong funding execution, accelerating growth in auto and credit card businesses, and continued product/AI innovation. These positives were balanced by elevated but expected seasonal net charge-offs, a concentrated back-book delinquency headwind, higher operating investments and ongoing legal noise. Management reiterated guidance and expressed confidence in credit trends improving in the back half of the year.Company Guidance
Strong EPS Growth
C&I adjusted net income per diluted share (C&I adjusted EPS) was $1.95, up 13% year over year; GAAP net income per diluted share was $1.93, up 8% year over year ($1.78 in 2025).
Top-Line and Receivables Expansion
Total revenue of $1.6 billion grew 6% year over year; managed receivables ended the quarter at $26.1 billion, up $1.5 billion or 6% year over year; first-quarter originations were $3.1 billion, up 3% year over year.
Auto Finance Momentum
Auto receivables grew 14% year over year to $2.8 billion, supported by dealer network expansion (including an Ally partnership) and product/technology innovations (e.g., agentic AI for insurance recovery with early results exceeding expectations).
Credit Card Business Scaling Quickly
Credit card receivables increased ~45% year over year to just under $1 billion (crossed $1 billion in April); customer accounts rose ~40% year over year to nearly 1.2 million; card total revenue yield was 33.9% (roughly +300 bps year over year).
Solid Capital Generation and Shareholder Returns
Capital generation totaled $194 million for the quarter; the company repurchased 1.9 million shares for $105 million in Q1 (3.1 million shares for $176 million over two quarters) and maintained a regular dividend of $4.20 per share (≈7% yield at current price).
Funding Execution and Balance Sheet Strength
Executed an $850 million three-year revolving ABS in March at attractive pricing (4.63%); bank lines totaled $7.5 billion; net leverage was 5.4x, inside the target 4x–6x range—demonstrating diversified funding and liquidity.
Improving Recoveries and Early-Stage Delinquency Trends
Recoveries increased 18% year over year to $104 million and rose to 1.7% of receivables (from 1.5%); 30–89 day delinquency (ex-Foresight) was 2.62%, down 1 basis point year over year and showing a 48 basis point sequential improvement.
Product Innovation and AI Deployment
Pilots and product initiatives showed positive early results (HomeFix secured loan pilot performing well); AI is being broadly deployed across product development and customer service to improve speed, reduce cost and increase productivity.
Reiterated 2026 Guidance and Confident Outlook
Management reiterated full-year 2026 guidance: managed receivables growth of 6%–9%, C&I net charge-offs of 7.4%–7.9%, and an operating expense ratio of ~6.6%—reflecting confidence in the trajectory of the business.
OMF Earnings History
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 |
|---|---|---|---|
May 01, 2026 | $58.77 | $56.59 | -3.71% |
Feb 05, 2026 | $62.03 | $61.14 | -1.44% |
Oct 31, 2025 | $53.77 | $57.08 | +6.17% |
Jul 25, 2025 | $55.50 | $56.22 | +1.30% |
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 Jul 29, 2026, After Close (Confirmed).
What is OneMain Holdings (OMF) earnings time?
OneMain Holdings (OMF) earnings time is at Jul 29, 2026, 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 2026 (Q2) is 1.41.