NYSE$OMF
OneMain Holdings Inc. · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
OneMain reported Q4 2025 revenue of $1.6B with diluted EPS of $1.72 and C&I adjusted EPS of $1.59.
Fourth quarter total revenue rose 8% to $1.6 billion on receivable growth and higher portfolio yield. Net income was $204 million ($1.72 diluted EPS) versus $126 million ($1.05) a year ago. C&I adjusted net income was $188 million ($1.59 adjusted EPS). Managed receivables reached $26.3 billion (+6%) with originations of $3.6 billion.
- Q4 revenue $1.6B (+8%); net income $204M.
- Diluted EPS $1.72; C&I adjusted EPS $1.59.
- Managed receivables $26.3B; originations $3.6B.
- Declared quarterly dividend $1.05 per share.
Headline financials
Revenue & EPS history
OneMain · Revenue · Quarterly
$1.6B
Revenue by segment
OneMain · $182M total across 1 segment · Q3 2023
- Consumer & Insurance$182M—100.0%
Forward guidance
The release discusses OMF's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.
Tailwinds
- OMF cites operational execution and demand trends supporting the outlook.
- Balance sheet and capital actions aim to fund growth and shareholder returns.
Headwinds
- Macro, pricing, and input-cost volatility could pressure margins.
- Segment mix and one-time items may affect quarter-to-quarter comparability.
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 2025
+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
| Quarter | Report date | Reaction (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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