OneMain Holdings, Inc. (OMF) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$1.26	$1.31	+4.0%	—	$1.3B	—
Q1 26	$1.86	$1.95	+4.8%	—	$1.3B	—
Q4 25	$1.54	$1.59	+3.2%	—	$1.3B	—
Q3 25	$1.6	$1.9	+18.7%	—	$1.3B	—
Q2 25	$1.23	$1.45	+17.9%	—	$1.2B	—
Q1 25	$1.57	$1.72	+9.6%	—	$1.2B	—
Q4 24	$1.15	$1.16	+0.9%	—	$1.2B	—
Q3 24	$1.14	$1.26	+10.5%	—	$1.2B	—
Q2 24	$0.93	$1.02	+9.7%	—	$1.1B	—
Q1 24	$1.39	$1.45	+4.3%	—	$1.1B	—
Q4 23	$1.38	$1.39	+0.7%	—	$1.1B	—
Q3 23	$1.5	$1.57	+4.7%	—	$1.1B	—
Q2 23	$1.27	$1.01	-20.5%	—	$1.1B	—
Q1 23	$1.65	$1.46	-11.5%	—	$1B	—
Q4 22	$1.51	$1.56	+3.3%	—	$1.1B	—
Q3 22	$1.35	$1.51	+11.9%	—	$1.1B	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$6.68	—	—	$5B	—
FY24	—	$4.26	—	—	$4.5B	—
FY23	—	$5.35	—	—	$4.3B	—
FY22	—	$7.25	—	—	$4.2B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$2.9B	$3B	$3.4B	$3.7B	$3.9B	$4B	$4.2B	$4.3B	$4.5B	$5B
YoY change	+94.4%	+3.34%	+13.4%	+10.3%	+5.23%	+3.33%	+4.04%	+1.93%	+6%	+9.54%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	2.9B	3B	3.4B	3.7B	3.9B	4B	4.2B	4.3B	4.5B	5B
Cost of revenue	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	955M	961M	1.1B	993M	998M	1B	994M	1B	1.1B	1.1B
Operating expenses	955M	961M	1.1B	993M	998M	1B	994M	1B	1.1B	1.1B
Operating income	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—
Pretax income	356M	431M	624M	1.1B	977M	1.7B	1.2B	840M	667M	1B
Income tax	113M	248M	177M	243M	247M	427M	283M	199M	158M	218M
Net income	243M	183M	447M	855M	730M	1.3B	872M	641M	509M	783M
Net margin	8.46%	6.16%	13.3%	23%	18.7%	32.6%	20.8%	15%	11.2%	15.8%
EBITDA	—	—	—	—	—	—	—	—	—	—
EPS	1.6	1.35	3.29	6.28	5.43	10.3	7.25	5.35	4.26	6.68
Diluted EPS	1.59	1.35	3.29	6.27	5.41	9.87	7.06	5.32	4.24	6.56

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	1.1B	1.1B	1.1B	1.1B	1.2B	1.2B	1.2B	1.2B	1.3B	1.3B	1.3B	1.3B
Cost of revenue	—	—	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	265M	256M	274M	253M	263M	279M	267M	284M	282M	288M	292M	287M
Operating expenses	265M	256M	274M	253M	263M	279M	267M	284M	282M	288M	292M	287M
Operating income	—	—	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—	—	—
Pretax income	246M	221M	204M	92M	207M	164M	275M	214M	263M	249M	296M	196M
Income tax	52M	56M	49M	21M	50M	38M	62M	47M	64M	45M	70M	44M
Net income	194M	165M	155M	71M	157M	126M	213M	167M	199M	204M	226M	152M
Net margin	17.9%	14.9%	14.4%	6.41%	13.5%	10.6%	17.9%	13.7%	15.6%	15.8%	17.9%	11.7%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EPS	1.61	1.38	1.29	0.59	1.31	1.06	1.79	1.41	1.68	1.74	1.95	1.32
Diluted EPS	1.61	1.38	1.29	0.59	1.31	1.05	1.78	1.4	1.67	1.72	1.93	1.32

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	3B	3.5B	3.3B	5.7B	6.5B	6.4B	4B	5.9B	6.2B	7.9B	6.5B
Enterprise value	14.7B	16B	16.2B	19.9B	20.2B	21.7B	20.1B	24.2B	26.7B	29.5B	28.8B
Shares outstanding	134.7M	135.2M	135.8M	136.1M	134.3M	127.8M	121M	119.8M	119.4M	117.2M	117.2M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	12.3	19.2	7.38	6.71	8.86	4.87	4.62	9.19	12.2	10.1	8.52
P/S	1.04	1.18	0.98	1.55	1.66	1.58	0.96	1.38	1.37	1.59	2.15
P/B	0.97	1.07	0.87	1.32	1.88	2.07	1.34	1.85	1.95	2.33	1.92
EV/Sales	5.12	5.39	4.81	5.37	5.16	5.38	4.78	5.66	5.89	5.93	9.54
Earnings yield	8.15%	5.21%	13.5%	14.9%	11.3%	20.5%	21.6%	10.9%	8.18%	9.89%	11.7%
FCF yield	44.3%	44.2%	62%	41.2%	34.2%	35.1%	59.2%	42.8%	43.4%	39.6%	12.1%
PEG	—	—	—	—	—	—	—	—	—	—	-1.42

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Operating margin	—	—	—	—	—	—	—	—	—	—	28.6%
Net margin	8.46%	6.16%	13.3%	23%	18.7%	32.6%	20.8%	15%	11.2%	15.8%	25.9%
ROE	7.93%	5.58%	11.8%	19.7%	21.2%	42.5%	28.9%	20.1%	16%	23%	23.3%
ROA	—	—	—	—	—	—	—	—	1.96%	2.86%	2.89%
Return on tangible assets	—	—	—	—	—	—	—	—	2.27%	3.28%	3.27%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Debt / equity	4.55	4.59	4	3.98	5.17	5.74	6.06	6.22	6.72	6.67	6.73
Debt / assets	—	—	—	—	—	—	—	—	0.83	0.83	0.83
Effective tax rate	31.7%	57.5%	28.4%	22.1%	25.3%	24.5%	24.5%	23.7%	23.7%	21.8%	22.2%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	21.3	22	24.8	27.3	29.1	31.6	34.7	35.7	38	42.4	25.8
EPS (basic)	1.6	1.35	3.29	6.28	5.43	10.3	7.25	5.35	4.26	6.68	6.68
EPS (diluted)	1.59	1.35	3.29	6.27	5.41	9.87	7.06	5.32	4.24	6.56	6.63
Book value per share	22.8	24.2	28	31.8	25.6	24.2	24.9	26.6	26.7	29	29.4
FCF per share	9.81	11.5	15.1	17.4	16.5	17.6	19.7	21	22.6	26.7	27.9
Cash per share	16.6	19	16.8	22.2	30.7	19.2	18.4	12.3	7.79	9.89	4.93

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Payout ratio	7.41%	0%	0%	47.7%	110.4%	97%	55%	76%	97.8%	63.7%	63.2%
Dividend yield	0.6%	0%	0%	7.11%	12.5%	19.9%	11.9%	8.27%	8%	6.3%	7.47%

Yield

7.47%

trailing twelve months

Frequency

Quarterly

Last dividend

$1.05

ex-dividend Aug 10, 2026

Payout ratio

63%

of earnings

Dividend growth

6 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Aug 10, 2026	$1.05
May 11, 2026	$1.05
Feb 17, 2026	$1.05
Nov 10, 2025	$1.05
Aug 4, 2025	$1.04
May 9, 2025	$1.04
Feb 12, 2025	$1.04
Nov 12, 2024	$1.04

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$1.1B	$1.1B	$1.1B	$1.1B	$1.2B	$1.2B	$1.2B	$1.2B	$1.3B	$1.3B	$1.3B	$1.3B
YoY change	+2.07%	+4.15%	+4.26%	+4.73%	+7.28%	+7.42%	+10.5%	+10%	+9.45%	+8.59%	+6.39%	+6.56%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	2.2B	2.6B	2.3B	3B	4.1B	2.4B	2.2B	1.5B	930M	1.2B
Receivables	151M	210M	253M	289M	299M	—	—	—	—	—
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	—	—	—	—	—	—	—	—
Goodwill & intangibles	3.8B	3.7B	3.6B	3.5B	3.5B	3.4B	3.4B	3.4B	3.5B	3.5B
Total assets	—	—	—	—	—	—	—	—	25.9B	27.4B
Accounts payable	61M	58M	123M	—	—	—	—	—	—	—
Short-term debt	—	—	—	—	—	—	—	—	—	1M
Total current liabilities	—	—	—	—	—	—	—	—	—	—
Long-term debt	14B	15.1B	15.2B	17.2B	17.8B	17.8B	18.3B	19.8B	21.4B	22.7B
Total liabilities	—	—	—	—	—	—	—	—	22.7B	24B
Shareholders' equity	3.1B	3.3B	3.8B	4.3B	3.4B	3.1B	3B	3.2B	3.2B	3.4B
Total debt	14B	15.1B	15.2B	17.2B	17.8B	17.8B	18.3B	19.8B	21.4B	22.7B
Net debt	13.4B	14.1B	14.5B	16B	15.5B	17.2B	17.8B	18.8B	21B	22B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	1.5B	1.5B	1.1B	940M	746M	930M	963M	1.1B	873M	1.2B	1.1B	876M
Receivables	—	—	—	—	—	—	—	—	—	—	—	—
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	—	—	—	—	—	—	—	—	—	—
Goodwill & intangibles	3.4B	3.4B	3.4B	3.5B	3.5B	3.5B	3.5B	3.5B	3.5B	3.5B	3.5B	3.5B
Total assets	—	—	23.9B	25.1B	25.6B	25.9B	26B	26.6B	27B	27.4B	27B	27.4B
Accounts payable	—	—	—	—	—	—	—	—	—	—	—	—
Short-term debt	—	—	—	—	176M	—	1M	1M	1M	1M	1M	1M
Total current liabilities	—	—	—	—	—	—	—	—	—	—	—	—
Long-term debt	19.9B	19.8B	19.5B	20.7B	21B	21.4B	21.5B	22.1B	22.3B	22.7B	22.4B	22.8B
Total liabilities	—	—	—	21.9B	22.4B	22.7B	22.7B	23.3B	23.6B	24B	23.6B	24B
Shareholders' equity	3.1B	3.2B	3.2B	3.2B	3.2B	3.2B	3.3B	3.3B	3.4B	3.4B	3.4B	3.4B
Total debt	19.9B	19.8B	19.5B	20.7B	21.1B	21.4B	21.5B	22.1B	22.3B	22.7B	22.4B	22.8B
Net debt	18.8B	18.8B	18.9B	20.2B	20.8B	21B	21B	21.5B	21.9B	22B	21.7B	22.4B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	243M	183M	447M	855M	730M	1.3B	872M	641M	509M	783M
Depreciation & amortization	521M	328M	289M	271M	264M	264M	262M	257M	277M	287M
Stock-based compensation	22M	17M	131M	13M	17M	23M	31M	36M	30M	36M
Change in working capital	-115M	17M	—	—	—	—	—	—	—	—
Operating cash flow	566M	571M	903M	1.1B	972M	1.7B	1.1B	894M	773M	3.1B
Capital expenditure	—	—	—	—	—	—	—	—	—	—
Investing cash flow	144M	83M	-124M	-124M	-3M	-189M	-134M	54M	-34M	-12M
Dividends paid	-18M	0	0	-408M	-806M	-1.3B	-480M	-487M	-498M	-499M
Share repurchases	—	—	0	0	-45M	-368M	-303M	-65M	-35M	-141M
Financing cash flow	-1.7B	975M	44M	1.5B	-370M	-1.8B	-326M	932M	161M	500M
Net change in cash	-975M	1.6B	823M	2.5B	599M	-328M	643M	1.9B	900M	3.6B
Free cash flow	1.3B	1.6B	2B	2.4B	2.2B	2.2B	2.4B	2.5B	2.7B	3.1B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	194M	165M	155M	70M	158M	126M	213M	167M	199M	204M	226M	152M
Depreciation & amortization	66M	66M	66M	70M	71M	70M	70M	72M	72M	73M	74M	76M
Stock-based compensation	6M	9M	11M	5M	7M	7M	10M	11M	7M	8M	11M	9M
Change in working capital	—	—	—	—	—	—	—	—	—	—	—	—
Operating cash flow	251M	231M	246M	117M	203M	207M	307M	774M	828M	865M	739M	800M
Capital expenditure	—	—	—	—	—	—	—	—	—	—	—	—
Investing cash flow	14M	-27M	-5M	-14M	138M	-89M	-53M	-18M	12M	47M	-63M	-50M
Dividends paid	-121M	-121M	-122M	-125M	-126M	-125M	-126M	-125M	-125M	-123M	-128M	-122M
Share repurchases	-11M	-20M	-5M	-8M	-19M	-3M	-16M	-21M	-33M	-71M	-107M	-32M
Financing cash flow	513M	-190M	-443M	-1.7B	303M	148M	-113M	387M	77M	149M	-563M	205M
Net change in cash	778M	14M	-202M	-1.6B	644M	266M	141M	1.1B	917M	1.1B	113M	955M
Free cash flow	596M	678M	558M	712M	677M	752M	665M	774M	828M	865M	739M	800M

OneMain Holdings, Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement