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Jun 30, 2025
OneMain Q2 2025 Earnings Report
OneMain reported strong Q2 2025 results with higher earnings and improved credit performance.
Key Takeaways
OneMain posted solid quarterly results driven by receivable growth, improved credit performance, and strong capital generation.
Net income rose to $167M supported by higher interest income.
Managed receivables reached $25.2B, reflecting loan growth.
Capital generation net of tax increased to $222M.
Delinquency and charge-off ratios improved from prior year.
Revenue by Segment
Forward Guidance
Management expects continued growth in originations and stable credit performance, supported by disciplined underwriting and strong liquidity.
Positive Outlook
- Strong receivable growth expected to continue.
- Improved credit performance trends.
- Robust liquidity position with significant undrawn facilities.
- Continued share repurchases enhance shareholder value.
- Stable funding conditions support growth initiatives.
Challenges Ahead
- Higher operating expenses due to strategic investments.
- Increased interest expense from higher cost of funds.
- Potential macroeconomic uncertainty affecting credit trends.
- Rising delinquency ratios could pressure future results.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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