NYSE$OMF

OneMain Holdings Inc. · Q4 2021 earnings

Q4 2021 earnings · · Investor relations

Briefing

OneMain Holdings reported net income of $262 million and EPS of $2.02.

OneMain Holdings, Inc. reported pretax income of $355 million and net income of $262 million for the fourth quarter of 2021. Earnings per diluted share were $2.02 in the fourth quarter of 2021. During the quarter, the Company repurchased approximately 3.7 million shares of common stock for $192 million.

  • 4Q 2021 Diluted EPS of $2.02
  • 4Q 2021 C&I adjusted diluted EPS of $2.38
  • 4Q 2021 C&I managed receivables of $19.6 billion
  • 4Q 2021 C&I net charge-off ratio of 4.24%

Headline financials

Total Revenue

$886M

Previous: $850M+4.2%
EPS (adj)

$2.38

Previous: $2.77-14.1%
Consumer Loan Originations

$3.84B

Previous: $3.2B+19.9%
Net Income

$262M

Previous: $359M-27.0%
Operating Income

$355M

Previous: $476M-25.4%
Cash & Equivalents

$541M

Previous: $2.3B-76.5%
Total Assets

$22.1B

Previous: $22.5B-1.7%
Stock-Based Comp

$7M

Previous: $4M+75.0%

Revenue & EPS history

OneMain · Revenue · Quarterly

$886M

Q4 2021+4.2%vs Q4 2020
Beat estimate in 5 of 16 quarters(31%)
ActualEstimate

Revenue by segment

OneMain · $182M total across 1 segment · Q3 2023

  • Consumer & Insurance
    $182M

Forward guidance

As we enter this year with good momentum, we remain focused on executing our key growth initiatives, driving robust shareholder returns and providing our customers with the products and services they need to help them progress to a better financial future.

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 2021

Historical avgQ4 2021

+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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