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OneMain Holdings (OMF)
NYSE:OMF
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.96Last Year’s EPS
1.72Same Quarter Last Year
Moderate Buy
Based on 12 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong, broad-based financial performance in 2025—robust earnings, revenue growth, higher capital generation, successful funding execution, and meaningful product and operational initiatives—while acknowledging ongoing credit dynamics (notably a concentrated back book and elevated but improving card losses), a sizable provision and steady reserve posture, and macroeconomic uncertainty. Management provided constructive 2026 guidance (6%–9% receivables growth, C&I net charge-offs 7.4%–7.9%, OpEx ratio ~6.6%) reflecting confidence balanced by conservatism. Overall, the favorable results, strategic progress, and balance sheet strength materially outweigh the noted credit and macro risks.Company Guidance
Strong Full-Year Earnings Growth
Full-year C&I earnings per share were $6.66, up 36% year over year; fourth-quarter C&I adjusted earnings per diluted share were $1.59, up 37% year over year; fourth-quarter GAAP net income was $204 million ($1.72 per diluted share), up 64% year over year.
Robust Capital Generation and Shareholder Returns
Full-year capital generation was $913 million, up 33% year over year; fourth-quarter capital generation was $225 million, up 23% year over year; total capital returned to shareholders was $639 million in 2025, up 20% from 2024; board authorized $1.0 billion share repurchase program through 2028 and repurchased $70 million in Q4.
Revenue and Receivables Growth
Full-year revenue grew 9% and fourth-quarter revenue was $1.6 billion, up 8% year over year; managed receivables finished the year at $20.3 billion, up $1.6 billion or 6% year over year; auto receivables grew to $2.8 billion and credit card receivables reached $936 million with nearly 1.1 million accounts.
Meaningful Credit Improvement
Full-year C&I net charge-offs declined to 7.7%, down 46 basis points year over year; full-year consumer loan net charge-offs declined by 63 basis points year over year; recoveries grew 16% year over year to $89 million (1.4% of receivables).
Product Innovation and Channel Expansion
Launched multiple personal loan enhancements (debt consolidation, automated income verification, paycheck-linked payments, homeowner secured product pilot), rolled out AI-powered tool for policy access, expanded mobile app lending (zero acquisition cost), and formed Ally pass-through partnership covering ~1,700 dealers to scale auto lending.
Funding Execution and Balance Sheet Strength
Raised $5.9 billion in 2025 across unsecured and secured markets, issued $1.0 billion unsecured bond in Q4 at 6.5%, reduced secured funding mix to 50% (from 59%), increased unencumbered receivables to $11.8 billion, and ended Q4 with net leverage of 5.4x (within 4x–6x target).
Operational Efficiency
Operating expenses were $443 million in Q4, up 5% year over year, while the OpEx ratio improved slightly to 6.7% from 6.8% a year ago; digital initiatives reduced marginal operating expense per credit card account by 25%.
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 |
|---|---|---|---|
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% |
Apr 29, 2025 | $45.56 | $45.08 | -1.06% |
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 Apr 29, 2026, After Close (Confirmed).
What is OneMain Holdings (OMF) earnings time?
OneMain Holdings (OMF) earnings time is at Apr 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 (Q1) is 1.96.