NYSE$OMF

OneMain Holdings Inc. · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Reported strong earnings growth and significant capital.

OneMain Holdings, Inc. reported a strong fourth quarter in 2019, with pretax income of $344 million and net income of $261 million, compared to $214 million and $168 million, respectively, in the prior year quarter. Earnings per diluted share were $1.91, compared to $1.24 in the prior year quarter. The company's Board of Directors approved a 32% increase in the regular quarterly dividend to $0.33 and declared a special dividend of $2.50 per share.

  • Q4 2019 diluted EPS of $1.91
  • Q4 2019 C&I adjusted diluted EPS of $1.96
  • Q4 2019 C&I Ending Net Finance Receivables of $18.4 billion
  • Q4 2019 C&I Net Charge-Off ratio of 5.71%

Headline financials

Total Revenue

$855M

Previous: $729M+17.3%
EPS (adj)

$1.96

Previous: $1.39+41.0%
Consumer Loan Originations

$3.7B

No prior period
Net Income

$261M

Previous: $168M+55.4%
Operating Income

$344M

No prior period
Cash & Equivalents

$1.23B

Previous: $679M+80.7%
Total Assets

$22.8B

Previous: $20.1B+13.6%
Stock-Based Comp

$3M

Previous: $4M-25.0%

Revenue & EPS history

OneMain · Revenue · Quarterly

$855M

Q4 2019+17.3%vs Q4 2018
Beat estimate in 1 of 16 quarters(6%)
ActualEstimate

Revenue by segment

OneMain · $1.1B total across 1 segment · Q4 2019

  • Consumer & Insurance
    $1.1B

Forward guidance

OneMain is focused on enhancing customer experience and optimizing profitability, which is expected to lead to greater shareholder value and capital generation.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2019

Historical avgQ4 2019

+1.6%

Avg return

Earnings day

+2.4%

Avg return

5 days after

+0.2%

Avg return

30 days after

57%

31 / 54 earnings

Positive

+24.7%

Q2 2014

Best reaction

-38.0%

Q3 2016

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.4%-4.9%-5.9%
Q4 2025-1.4%-2.3%-15.5%
Q3 2025+10.1%+9.2%+11.3%
Q2 2025+0.9%+0.4%+4.5%
Q1 2025-1.1%+0.4%+6.8%
Q4 2024-3.2%-1.1%-6.4%
Q3 2024+4.6%+5.6%+20.8%
Q2 2024-8.6%-16.5%-7.0%
Q1 2024-0.2%+0.7%-4.7%
Q4 2023-7.4%-2.1%+2.0%
Q3 2023-4.2%-3.5%+4.4%
Q2 2023-5.5%-5.3%-16.8%
Q1 2023-0.6%-0.6%-3.5%
Q4 2022+8.7%+7.3%-6.0%
Q3 2022+10.1%+18.6%+18.7%
Q2 2022-3.6%+0.0%-5.6%
Q1 2022+2.7%+6.8%-1.1%
Q4 2021-1.0%+2.8%-11.3%
Q3 2021-6.6%-8.6%-16.7%
Q2 2021+0.1%+1.1%-6.8%
Q1 2021+2.5%+4.2%+2.2%
Q4 2020+1.1%-4.4%-2.0%
Q3 2020-2.6%-7.6%+9.2%
Q2 2020+12.9%+13.9%+15.0%
Q1 2020+20.5%+17.9%+34.3%
Q4 2019+7.4%+9.5%-27.2%
Q3 2019+6.2%+11.5%+16.8%
Q2 2019+16.9%+14.0%-1.6%
Q1 2019-2.7%-1.6%-10.5%
Q4 2018+12.1%+13.1%+11.1%
Q3 2018+12.5%+7.8%+6.6%
Q2 2018-2.0%+5.5%+7.6%
Q1 2018+0.4%+1.0%+1.1%
Q4 2017+5.2%+4.2%-1.0%
Q3 2017+2.6%-0.4%-17.9%
Q2 2017+0.2%+2.4%+2.6%
Q1 2017+6.5%+5.1%+3.3%
Q4 2016+10.5%+16.4%+9.1%
Q3 2016-38.0%-28.8%-16.7%
Q2 2016+8.3%+4.2%+6.1%
Q1 2016+0.9%
Q4 2015-3.1%
Q3 2015-5.9%
Q2 2015-7.7%
Q1 2015-1.0%
Q4 2014+2.9%
Q3 2014+7.2%
Q2 2014+24.7%
Q1 2014-6.9%
Q2 2013+1.3%
Q1 2012+1.3%
Q4 2012+1.3%
Q4 2013-6.1%
Q3 2013+1.9%
Q1 2013
Q3 2012
Q2 2011
Q1 2011
Q2 2010
Q1 2010

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