NYSE$OMF

OneMain Holdings Inc. · Q4 2022 earnings

Q4 2022 earnings · · Investor relations

Briefing

OneMain Holdings reported a decrease in net income and earnings per share for Q4 2022, but demand for loans remained strong and credit performance stabilized.

OneMain Holdings, Inc. reported a decrease in pretax income and net income for the fourth quarter of 2022, with earnings per diluted share also declining. However, the company saw strength in loan demand and stabilization of credit performance in the latter half of the year.

  • Q4 2022 Diluted EPS was $1.48.
  • Q4 2022 C&I adjusted diluted EPS was $1.56.
  • Q4 2022 Managed receivables totaled $20.8 billion.
  • The quarterly dividend was raised by 5.3% to $1.00 per share.

Headline financials

Total Revenue

$891M

Previous: $886M+0.6%
EPS (adj)

$1.56

Previous: $2.38-34.5%
Consumer Loan Originations

$3.5B

Previous: $3.84B-8.8%
Net Income

$180M

Previous: $262M-31.3%
Operating Income

$238M

Previous: $355M-33.0%
Cash & Equivalents

$498M

Previous: $541M-7.9%
Total Assets

$22.5B

Previous: $22.1B+2.1%
Stock-Based Comp

$4M

Previous: $7M-42.9%

Revenue & EPS history

OneMain · Revenue · Quarterly

$891M

Q4 2022+0.6%vs Q4 2021
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Revenue by segment

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

  • Consumer & Insurance
    $182M

Forward guidance

OneMain is focused on managing credit and maintaining a strong balance sheet, while also investing in new products and channels that will drive long-term shareholder value.

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 2022

Historical avgQ4 2022

+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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