Loading...
•
Sep 30
OneMain Q3 2025 Earnings Report
OneMain reported strong Q3 results with revenue, EPS, and net income all increasing compared to the prior year quarter.
Key Takeaways
OneMain Holdings delivered solid Q3 2025 results, highlighted by revenue growth, higher net income, and strong capital generation amid stable credit performance.
Revenue reached $1.6 billion, driven by receivable growth and improved portfolio yield.
Net income rose to $199 million, up from $157 million in the prior-year quarter.
Consumer loan originations totaled $3.9 billion, a 5% increase from Q3 2024.
Capital generation (net of tax) was $272 million, supported by positive credit trends.
OneMain
OneMain
OneMain Revenue by Segment
Revenue by Segment
Consumer & Insurance Revenue
CapyFin.com Forward Guidance
OneMain remains focused on sustaining disciplined growth and credit performance while returning capital to shareholders through dividends and share repurchases.
Positive Outlook
- Receivable growth supports future revenue expansion.
- Improved portfolio yield enhancing interest income.
- Stable credit performance amid macro uncertainty.
- Strong capital generation of $272 million this quarter.
- Increased quarterly dividend and new $1B share buyback program.
Challenges Ahead
- Operating expenses increased due to strategic investments.
- Interest expense rose as average debt increased.
- Delinquency ratios remain elevated at over 5.5%.
- Provision for losses still significant at $488 million.
- Ongoing macroeconomic uncertainty could affect consumer credit quality.