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OneMain
OneMain (OMF) investor relations material
OneMain Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved strong earnings growth in 2025, with full-year net income up 54% to $783 million and EPS up 36% to $6.66.
Managed receivables grew 6% year-over-year to $26.3 billion, with originations up 8% to $14.4 billion and customer accounts up 11% to 3.8 million.
Revenue increased 9% year-over-year to $6.2 billion, driven by higher yields and product innovation.
Expanded product offerings, including new secured lending for homeowners, BrightWay credit card, and OneMain Auto, with enhanced digital engagement.
Recognized as one of America's most loved workplaces for the fourth consecutive year.
Financial highlights
Q4 2025 net income was $204 million ($1.72 per share), up 62% year-over-year.
Full-year C&I EPS was $6.66, up from $4.89 in 2024.
Capital generation reached $913 million, up 33% year-over-year.
Q4 2025 total revenue was $1.6 billion, up 8% year-over-year.
Managed receivables ended at $26.3 billion, up 6% year-over-year.
Outlook and guidance
Expect managed receivables growth of 6%-9% in 2026, maintaining conservative underwriting.
C&I net charge-offs projected at 7.4%-7.9% for 2026, with losses higher in H1 and lower in H2.
Full-year OpEx ratio expected to remain around 6.6%.
Anticipate continued capital generation growth and stable credit metrics in 2026.
Explain 4Q25 delinquency ratio divergence.
How do share repurchases align with capital generation?
Detail strategic investments driving op-ex.
ILC approval: What operational/funding changes?
What drives card NCOs to 15-17% target?
Whole loan sales: Why forgo balance sheet returns?
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Next OneMain earnings date
Bank of America Financial Services Conference 202611 Feb, 2026
OneMain
Next OneMain earnings date
Bank of America Financial Services Conference 202611 Feb, 2026
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Frequently asked questions
OneMain Holdings, Inc. is a financial services holding company. The Company provides secured, unsecured and installment loans to consumers for the purchase of used vehicles and the repair and improvement of existing vehicles. OneMain also offers financing for individuals, including students, seeking to refinance existing student loans into fixed-rate, long-term loans. In addition, it offers insurance products consisting of personal property casualty and homeowners lines of insurance coverage in 17 states in the United States. It also conducts business as OneMain Financial owned by OneMain Consumer Loan Holdings, Inc.
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