The earnings call showcased a strong financial performance with significant capital generation, record-high receivables, and positive credit trends. However, there are challenges such as expected moderation in growth and high losses in the credit card portfolio. Overall, the sentiment is optimistic but acknowledges areas needing attention.

Company Guidance -

Q3 2025

During the OneMain Financial Second Quarter 2025 Earnings Conference Call, the company reported notable financial metrics and achievements. Capital generation increased by 63% year-over-year to $222 million. The company achieved a 42% increase in C&I adjusted earnings per share, now at $1.45. Total revenue grew by 10%, while receivables surpassed $25 billion for the first time, reflecting a 7% year-over-year growth. Originations rose by 9%, supported by data analytics and innovations. Credit performance improved, with a 30-plus delinquency rate of 5.07%, down 29 basis points year-over-year. C&I net charge-offs were reduced to 7.6%, down 88 basis points from the previous year. OneMain updated its 2025 net charge-off expectations to the lower half of its initial range due to strong credit performance in the first half. Additionally, the credit card portfolio grew to $752 million in receivables, a 61% increase from the previous year, and the auto finance business saw a 14% increase in active dealers and a 29% rise in quarterly originations. The company raised $1.8 billion in capital, enhancing its liquidity and flexibility.

Significant Capital Generation Growth

Capital generation was $222 million, up 63% year-over-year, with C&I adjusted earnings per share up 42%.

Record Receivables and Revenue

Total revenue grew 10% and receivables grew 7% year-over-year, surpassing the $25 billion mark for the first time.

Positive Credit Trends

30-plus delinquency rates improved to 5.07%, down 29 basis points year-over-year, with net charge-offs also showing significant reductions.

Growth in Credit Card and Auto Finance Segments

Credit card receivables grew 61% year-over-year, and auto finance receivables increased by over $400 million. The auto finance business also showed strong growth in dealer engagement and originations.

Strong Funding and Market Access

Raised $1.8 billion in the quarter through both secured and unsecured markets, contributing to a robust liquidity profile.

Improved Yield and Revenue Guidance

Consumer loan yield improved, and total revenue growth is expected to be at the high end of the 6% to 8% range.

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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